Entry-Level Medical Billing and Coding Specialist Salary in Merced, CA: $26,919 (2026)
Quick Answer:New medical billing and coding specialists entering the Merced, CA job market in 2026 can expect a starting salary around $26,919 (BLS 10th-percentile benchmark for SOC 29-2072, projected from 2025 OEWS data). Stripping out Merced's local price level (BEA RPP 98.3 — 2% below national), a first-year paycheck buys what $27,392 would in average-cost America. Most reach the city median ($34,456) within a few years of clinical practice.
Official BLS data · View source

For those embarking on a career as a medical billing and coding specialist in Merced, California, starting salaries can be quite variable. In 2026, entry-level positions, as indicated by the 10th percentile, are projected to offer around $26,919. While this amount may initially seem modest compared to the overall median annual salary in Merced of $34,456, new graduates should recognize the growth potential. With early career earnings beginning to rise from this initial figure, progression is expected, as many entry-level experts can expect salaries to reach around $27,839 within their first few years. Thus, Merced currently presents a viable market for new grads, balancing the cost of living index at 98.275, which is slightly below the national average, helping to make starting medical billing and coding specialist salaries in Merced more accessible.
Career Earnings Timeline in Merced
New Graduate
Early Career
Mid Career
Experienced
Salary progression estimated from BLS percentile data. Actual progression varies by employer, certifications, and specialization.
2026 Salary Percentile Distribution in Merced
Entry-level medical billing and coding specialists in Merced, CA typically start between $26,919 and $27,839 per year (2026 est.). The full salary range spans $18,048 from the 10th to 90th percentile, with the local median at $34,456 — 13.53% above the national median.
Return on Investment
The average medical billing and coding program cost in California of $5,500 represents just 20.43% of the starting medical billing and coding specialist pay ($26,919/year) in Merced. Most graduates begin earning back their investment from day one, though actual ROI varies based on living expenses, loan interest, and the 2-year opportunity cost of schooling.
Program cost estimates based on AHIMA/CAHIIM-accredited coding and health information certificate programs plus AAPC-approved training courses. Certificates at community colleges and online training programs are the most affordable; associate degree programs cost more but broaden career options. Exam fees (CCA, CCS, CPC) are typically $299-$499 and are separate from tuition.
MBS Salary Negotiation Tips for New Graduates in Merced
- 1Research the Merced market: entry-level medical billing and coding specialist pay ranges from $26,919 to $27,839, so aim for at least the 25th percentile if you have strong credentials.
- 2Highlight any additional certifications or specialty training within the medical billing and coding field — employers in CA often pay a premium for expanded scope of work.
- 3Evaluate the full compensation package — in Merced, benefits like health insurance, continuing-education allowances, and schedule flexibility can add 20-30% to your effective compensation.
- 4Consider starting with a larger hospital system or multi-site employer in Merced for competitive entry-level pay and structured mentorship, then move to a smaller employer once you have 2-3 years of experience.
- 5Merced's moderate cost of living means your starting salary goes further here compared to many larger metro areas.
Medical Billing and Coding Specialist Compensation Range
The medical billing and coding specialist wage spread in Merced is $18,048 ( 67.05%) between entry-level and top earners. Starting at $26,919, experienced hygienists can earn up to $44,967.
Represents the current salary spread across experience levels, not projected career growth rate.
2021 BLS Actual
$29,860
2025 BLS Actual
$26,309
2026 Current Est.
$26,919
2021–2027 Growth
+-7.8%
Salary Trajectory for Medical Billing and Coding Specialists in Merced (2021–2027)
2021–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 2.32% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2021 | $29,860 | Actual |
| 2022 | $30,970 | Actual |
| 2023 | $33,840 | Actual |
| 2024 | $38,270 | Actual |
| 2025 | $26,309 | Actual |
| 2026(current) | $26,919 | Estimated |
| 2027 | $27,544 | Projected |
Entry-level medical billing and coding specialist compensation (10th percentile) in Merced, CA grew -11.9% over 5 years based on actual BLS metropolitan area surveys, rising from $29,860 in 2021 to $26,309 in 2025. By 2027, starting salaries are projected to reach $27,544. New graduates entering the Merced job market can expect continued year-over-year gains.
Note: Historical values (2021–2025) are actual BLS OEWS figures for the Merced metropolitan area, sourced from annual Occupational Employment and Wage Statistics surveys. 2026–2026 figures are current estimates, and 2027 values are projections, calculated using a 2.32% CAGR derived from 5-year BLS historical data. Actual salaries may vary based on employer, experience, certifications, and local market conditions.
Starting Your medical billing and coding Career in Merced
Employers in Merced that hire entry-level medical billing and coding specialists primarily include physician group practices, outpatient surgery centers, and third-party coding companies, many of which offer mentorship for those holding a CPC-A (apprentice) credential. For higher-paying roles, achieving certifications such as AHIMA's CCS (for inpatient coding) or CPC from AAPC can significantly boost starting salaries. As remote work becomes increasingly standard—accounting for approximately 80% of coding jobs—new professionals are encouraged to stay current with ICD-10-CM and CPT updates. With trends indicating that risk adjustment and HCC coding, especially within Medicare Advantage plans, are the fastest-growing subspecialties, focusing on these areas during the first few years can lead to a substantial increase in wages over time. As new coders hone their skills and expand their expertise through continuing education, they may anticipate salary growth that surpasses what is typically experienced in the early stages of their careers.
More salary data for Merced, CA:
Frequently Asked Questions
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Written by Amina Patel, CPC
Career Analyst
Amina has 10 years of experience in medical billing. She specializes in outpatient coding for multi-specialty practices.
Methodology & Data Source
Entry-level salary figures on this page are 2026 projections based on the Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) survey, May 2026 release. The 10th percentile (entry-level) is used as the starting salary benchmark for new medical billing and coding graduates. A 2.32% compound annual growth rate (CAGR), derived from 6-year national BLS wage trends, was applied to project current 2026 entry-level compensation in Merced. Program costs are averages and actual tuition varies by institution. ROI calculations are simplified estimates.
Data Sources & Methodology
Source: BLS, OEWS, 5-year dataset (–). Per-city data from annual BLS metropolitan area surveys.
2026 figures are projected from 2025 BLS data using a compound annual growth rate (CAGR) of 2.32%, derived from historical BLS wage trends for medical billing and coding specialists (SOC 29-2072).
Compiled and verified by Amina Patel, CPC, a licensed medical billing and coding specialist with 10+ years of clinical experience. · View source data at BLS.gov