Credit Counselors pay range in Johnson City
New workers and the lowest-paid 10% earn about $36,680 a year or less, while the top 10% make $62,610 or more. The middle half of credit counselors in Johnson City earn between $37,020 and $37,020.
- $37K10th
- $37K25th
- $37KMedian
- $37K75th
- $63K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $42,530 | $3,544 | $20.45 |
| Median | $37,020 | $3,085 | $17.80 |
| Entry level (25th percentile) | $37,020 | $3,085 | $17.80 |
| Experienced (75th percentile) | $37,020 | $3,085 | $17.80 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Credit Counselors pay in Johnson City vs. Tennessee and the U.S.
Credit counselors in Johnson City earn 21% less than the Tennessee average ($54,070) and 26% less than the U.S. average ($57,210). At the median the gap is -29% against the U.S. median of $52,230.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| Johnson City | $42,530 | $37,020 | $36,680 | $62,610 | 80 |
| 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 Johnson City
On the average salary of $42,530, a single filer in Johnson City takes home about $36,353 a year, or $3,029 a month and $1,398 every two weeks. Taxes take 15% of gross pay.
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and no state income tax.
Is Johnson City a good place for credit counselors? Pay vs. cost of living
Prices in the Johnson City area are 12% below the U.S. average (BEA price parity 87.9), so the average $42,530 buys what about $48,369 would buy in a typical U.S. metro. This job pays 0.9 times the median wage of all jobs in Johnson City ($43,480). A typical home costs $282,532, or 6.6 years of this average salary before tax.
Credit Counselors salary in other Tennessee cities
Johnson City ranks 4th 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 Johnson City: questions
How much do credit counselors make an hour in Johnson City?
$20.45 an hour on average, and $17.80 at the median (BLS, May 2025).
What is the entry-level credit counselors salary in Johnson City?
The lowest-paid 10% earn about $36,680 a year and the 25th percentile is $37,020, a fair guide to starting pay.
What is the credit counselors take-home pay in Johnson City?
About $36,353 a year ($3,029 a month) for a single filer on the average salary of $42,530. Tennessee has no state income tax.
Do credit counselors earn more in Johnson City than elsewhere?
The average here is 26% 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 Johnson City, TN (27740). Relative standard error of the mean wage: 1.9%.
- 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.
- Job concentration: location quotient 5.28, this job is 5.3 times as concentrated as in the U.S. overall.
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