Credit Counselors pay range in Chattanooga
New workers and the lowest-paid 10% earn about $38,840 a year or less, while the top 10% make $60,640 or more. The middle half of credit counselors in Chattanooga earn between $38,840 and $38,840.
- $39K10th
- $39K25th
- $39KMedian
- $39K75th
- $61K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $45,250 | $3,771 | $21.75 |
| Median | $38,840 | $3,237 | $18.67 |
| Entry level (25th percentile) | $38,840 | $3,237 | $18.67 |
| Experienced (75th percentile) | $38,840 | $3,237 | $18.67 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Credit Counselors pay in Chattanooga vs. Tennessee and the U.S.
Credit counselors in Chattanooga earn 16% less than the Tennessee average ($54,070) and 21% less than the U.S. average ($57,210). At the median the gap is -26% against the U.S. median of $52,230.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| Chattanooga | $45,250 | $38,840 | $38,840 | $60,640 | n/a |
| Tennessee | $54,070 | $38,730 | $31,200 | $105,140 | 950 |
| 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 Chattanooga
On the average salary of $45,250, a single filer in Chattanooga takes home about $38,538 a year, or $3,212 a month and $1,482 every two weeks. Taxes take 15% of gross pay.
The Chattanooga, TN-GA metro area crosses state lines, so take-home pay depends on the state where you work:
| State | Per year | Per month |
|---|---|---|
| Working in TN | $38,538 | $3,212 |
| Working in GA | $37,029 | $3,086 |
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and no state income tax.
Is Chattanooga a good place for credit counselors? Pay vs. cost of living
Prices in the Chattanooga area are 9% below the U.S. average (BEA price parity 91.5), so the average $45,250 buys what about $49,473 would buy in a typical U.S. metro. This job pays 0.8 times the median wage of all jobs in Chattanooga ($46,700). A typical home costs $326,370, or 7.2 years of this average salary before tax.
Credit Counselors salary in other Tennessee cities
Chattanooga ranks 3rd of 4 Tennessee metro areas for this job; Nashville pays the most ($65,070).
- Nashville$65,070
- Memphis$59,160
- Chattanooga$45,250
- Johnson City$42,530
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 Chattanooga: questions
How much do credit counselors make an hour in Chattanooga?
$21.76 an hour on average, and $18.67 at the median (BLS, May 2025).
What is the entry-level credit counselors salary in Chattanooga?
The lowest-paid 10% earn about $38,840 a year and the 25th percentile is $38,840, a fair guide to starting pay.
What is the credit counselors take-home pay in Chattanooga?
About $38,538 a year ($3,212 a month) for a single filer on the average salary of $45,250. Tennessee has no state income tax.
Do credit counselors earn more in Chattanooga than elsewhere?
The average here is 21% less 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 Chattanooga, TN-GA (16860). Relative standard error of the mean wage: 6.9%.
- 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 no state income tax.
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