BLS metro-level wage data places Credit Analysts pay in Sacramento-Roseville-Folsom, CA at a median of $79,470 per year ($38.21/hr/hour), drawn from the OEWS May 2025 release for this Metropolitan Statistical Area. Compared to the national median of $83,510, Sacramento-Roseville-Folsom pays 5% below, which typically tracks with a lower local cost of living or smaller specialized-employer cluster. Approximately 270 credit analystss are employed across the Sacramento-Roseville-Folsom MSA in SOC 13-2041.

The Sacramento-Roseville-Folsom pay distribution spans from $55,360 at the 10th percentile to $159,770 at the 90th — a 2.9× 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 $65,010 and the 75th at $105,480, so half of Sacramento-Roseville-Folsom-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 Sacramento-Roseville-Folsom, CA 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 CA data, and peer-metro comparisons — a median is a starting point, not a ceiling.