Credit Counselors pay range in Philadelphia
New workers and the lowest-paid 10% earn about $39,390 a year or less, while the top 10% make $86,750 or more. The middle half of credit counselors in Philadelphia earn between $46,360 and $73,300.
- $39K10th
- $46K25th
- $58KMedian
- $73K75th
- $87K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $62,150 | $5,179 | $29.88 |
| Median | $57,990 | $4,832 | $27.88 |
| Entry level (25th percentile) | $46,360 | $3,863 | $22.29 |
| Experienced (75th percentile) | $73,300 | $6,108 | $35.24 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Credit Counselors pay in Philadelphia vs. Pennsylvania and the U.S.
Credit counselors in Philadelphia earn about the same as the Pennsylvania average ($60,680) and 9% more than the U.S. average ($57,210). At the median the gap is +11% against the U.S. median of $52,230.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| Philadelphia | $62,150 | $57,990 | $39,390 | $86,750 | 480 |
| Pennsylvania | $60,680 | $58,330 | $41,100 | $82,190 | 1,110 |
| United States | $57,210 | $52,230 | $38,350 | $80,440 | 27,770 |
State and U.S. rows: BLS statewide and national estimates, May 2025, which include rural areas.
Credit Counselors salary after taxes in Philadelphia
On the average salary of $62,150, a single filer in Philadelphia takes home about $50,210 a year, or $4,184 a month and $1,931 every two weeks. Taxes take 19% of gross pay.
The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro area crosses state lines, so take-home pay depends on the state where you work:
| State | Per year | Per month |
|---|---|---|
| Working in NJ | $50,231 | $4,186 |
| Working in PA | $50,210 | $4,184 |
| Working in MD | $49,377 | $4,115 |
| Working in DE | $49,235 | $4,103 |
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2025 rules). Local earned income taxes (for example Philadelphia's wage tax) are not included.
Is Philadelphia a good place for credit counselors? Pay vs. cost of living
Prices in the Philadelphia area are 3% above the U.S. average (BEA price parity 102.6), so the average $62,150 buys what about $60,602 would buy in a typical U.S. metro. This job pays 1.1 times the median wage of all jobs in Philadelphia ($54,310). A typical home costs $390,463, or 6.3 years of this average salary before tax.
Credit Counselors salary in other Pennsylvania cities
Philadelphia ranks 2nd of 6 Pennsylvania metro areas for this job; Harrisburg pays the most ($65,640).
- Harrisburg$65,640
- Philadelphia$62,150
- Lancaster$60,640
- Pittsburgh$59,330
- Allentown$58,380
- Scranton$53,720
Highest-paying cities for credit counselors
San Francisco, CA pays this job the most of the metro areas we cover ($85,720).
- San Francisco, CA$85,720
- Salt Lake City, UT$79,060
- San Jose, CA$77,410
- Sacramento, CA$76,900
- San Diego, CA$72,810
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Credit Counselors salary in Philadelphia: questions
How much do credit counselors make an hour in Philadelphia?
$29.88 an hour on average, and $27.88 at the median (BLS, May 2025).
What is the entry-level credit counselors salary in Philadelphia?
The lowest-paid 10% earn about $39,390 a year and the 25th percentile is $46,360, a fair guide to starting pay.
What is the credit counselors take-home pay in Philadelphia?
About $50,210 a year ($4,184 a month) for a single filer on the average salary of $62,150. Local earned income taxes (for example Philadelphia's wage tax) are not included.
Do credit counselors earn more in Philadelphia than elsewhere?
The average here is 9% more than the U.S. average for this job ($57,210).
Sources and how to read this page
- Wages: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS), May 2025 estimates for metropolitan areas. SOC code 13-2071; area Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (37980). Relative standard error of the mean wage: 2.7%.
- U.S. and statewide figures: BLS OEWS national and state estimates, May 2025, every employer including rural areas.
- Cost of living: Bureau of Economic Analysis regional price parities (RPP), 2024; 100 = U.S. average.
- Home value: Zillow Home Value Index. Typical-wage figure: OEWS all occupations, same metro.
- Take-home pay: Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2025 rules). Local earned income taxes (for example Philadelphia's wage tax) are not included.
- Job concentration: location quotient 0.93, this job is about as common as in the U.S. overall.
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