Medical Billing Salary

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 98.32% 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.

$26,919
Starting Salary
$12.94/hr
Starting Hourly
$26,919
Entry Level
$34,456
Career Median Target

Official BLS data · View source

Medical Billing and Coding Specialist Entry Level Salary in Merced, CA — 2026 est., based on 2025 BLS
Merced, CA medical billing and coding specialist entry level salary overview (2026 est., based on 2025 BLS)

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

Year 0-2

New Graduate

$26,919/yr
Year 2-5

Early Career

$27,839/yr
Year 5-10

Mid Career

$34,456/yr
Year 10+

Experienced

$38,426/yr

Salary progression estimated from BLS percentile data. Actual progression varies by employer, certifications, and specialization.

2026 Salary Percentile Distribution in Merced

Vertical bar chart of 10th through 90th percentile salaries for medical billing and coding specialists in Merced. The median salary is $34,456, compared to the national median of $30,349.$24.2K$30.0K$35.7K$41.5K$47.2K$26.9K10th Pctl$27.8K25th Pctl$34.5KMedian$38.4K75th Pctl$45.0K90th PctlUS Median$30.3K

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 $34,45613.53% above the national median.

Source: BLS OEWS projected to 2026. Percentiles reflect the distribution of medical billing and coding specialist pay in the Merced metro area.

Return on Investment

$5,500
Avg CA Program Cost
$26,919
Starting Salary
20.43%
Cost-to-Salary Ratio
<1 yr
Payback Estimate

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 (20212027)

2021–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 2.32% projection.

BLS Actual Estimated Projected
Salary trajectory chart for medical billing and coding specialists in Merced. Baseline $29,860 in 2025, projected to $27,544 by 2027.$23.9K$28.1K$32.3K$36.5K$40.7K20212022202320242025202620272025 BLS$29.9K$31.0K$33.8K$38.3K$26.3K$26.9K$27.5K
YearAnnual SalaryStatus
2021$29,860Actual
2022$30,970Actual
2023$33,840Actual
2024$38,270Actual
2025$26,309Actual
2026(current)$26,919Estimated
2027$27,544Projected

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 (20212025) are actual BLS OEWS figures for the Merced metropolitan area, sourced from annual Occupational Employment and Wage Statistics surveys. 20262026 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.

Frequently Asked Questions

What is the starting salary for medical billing and coding specialists in Merced in 2026?

Entry-level medical billing and coding specialists in Merced start at approximately $26,919/year (10th percentile), based on estimated 2026 salary (projected from 2025 BLS data at 2.32% annual growth). This is the typical range for new graduates with less than 1 year of clinical experience. The starting hourly equivalent is approximately $12.94/hour for full-time work. Starting pay depends on the practice type (private vs. large organization), patient volume, location within the metro area, and whether the position includes benefits.

How fast do medical billing and coding specialist salaries grow in Merced?

Most medical billing and coding specialists in Merced progress from the entry-level salary of $26,919 to the area median of $34,456 within 3–5 years of clinical experience. Top earners with specializations and certifications reach $44,967 (90th percentile). The biggest salary jumps typically come in years 2–5 as clinical skills develop, and again when obtaining advanced certifications or expanded-function credentials. Salary growth after 10 years tends to plateau unless moving into management or education roles.

Is medical billing and coding school worth it in Merced?

With a starting salary of $26,919/year in Merced and typical program costs ranging from $20,000–$80,000 for the required degree, graduates can expect a strong return on investment. Most new medical billing and coding specialists recoup their tuition within 1–3 years of working full-time. The profession also offers excellent work-life balance, flexible scheduling, low unemployment rates, and growing demand driven by an aging population's care needs.

What do new medical billing and coding specialists make right out of school in Merced?

New medical billing and coding graduates in Merced typically start near the 10th percentile at $26,919/year, or approximately $12.94/hour. Starting pay varies based on the practice type, patient volume, geographic location within the metro area, and whether the compensation package includes benefits like health insurance and retirement contributions. Graduates with internships at high-production practices often secure higher starting offers.

How do I become a medical billing and coding specialist in California?

To become a licensed medical billing and coding specialist in California, you typically need postsecondary certificate or associate degree in medical billing and coding from an accredited program, plus optional professional certification, then pass the required national and state licensing examinations. Most states, including California, also require a clinical licensing exam. After obtaining licensure, you must maintain it through continuing education credits. Some medical billing and coding specialists pursue advanced degrees for career advancement into education, research, or public health roles.

Related Pages

Nearby Cities in California

AP

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.

Clinically reviewed by Liam Johnson, RHITData verified by Sofia Nguyen, CCS

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

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