BLS metro-level wage data places Credit Analysts pay in Houston-Pasadena-The Woodlands, TX at a median of $79,280 per year ($38.12/hr/hour), drawn from the OEWS May 2025 release for this Metropolitan Statistical Area. Compared to the national median of $83,510, Houston-Pasadena-The Woodlands pays 5% below, which typically tracks with a lower local cost of living or smaller specialized-employer cluster. Approximately 1,010 credit analystss are employed across the Houston-Pasadena-The Woodlands MSA in SOC 13-2041.

The Houston-Pasadena-The Woodlands pay distribution spans from $51,720 at the 10th percentile to $139,390 at the 90th — a 2.7× spread that reflects experience tenure, specialization, employer size, and the difference between public-sector, nonprofit, and private-sector compensation inside the metro. The 25th percentile sits at $65,320 and the 75th at $98,580, so half of Houston-Pasadena-The Woodlands-based credit analystss earn within that middle band.

Metro figures capture where you actually work, not just where you live — which matters for commuters. BLS draws metro boundaries from the OMB MSA definitions, so Houston-Pasadena-The Woodlands, TX covers the central city plus outlying counties tied to the metro economically. Remember that OEWS wages reflect base pay only: employer-provided health insurance, retirement matches, stock options, signing bonuses, overtime, and tips are excluded and can add 20-40% to real total compensation. Before using this metro median as a negotiation anchor, triangulate against the same occupation's national profile (linked below), its state-wide TX data, and peer-metro comparisons — a median is a starting point, not a ceiling.