Medical Billing Salary

Entry-Level Medical Billing and Coding Specialist Salary in Chattanooga, TN: $22,225 (2026)

Quick Answer:New medical billing and coding specialists entering the Chattanooga, TN job market in 2026 can expect a starting salary around $22,225 (BLS 10th-percentile benchmark for SOC 29-2072, projected from 2025 OEWS data). Stripping out Chattanooga's local price level (BEA RPP 91.59% below national), a first-year paycheck buys what $24,299 would in average-cost America. Most reach the city median ($29,092) within a few years of clinical practice.

$22,225
Starting Salary
$10.68/hr
Starting Hourly
$22,225
Entry Level
$29,092
Career Median Target

Official BLS data · View source

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

A new graduate entering the medical billing and coding workforce in Chattanooga, TN, can expect a starting salary around $22,225 in 2026, which reflects the lower range for entry-level positions. This figure is notably below the city's median annual salary of $29,092, but it offers a pathway for growth in the profession. Over the next few years, those starting at this entry-level pay can anticipate advancement potential, progressing to approximately $23,507 as they gain experience and skills. The local market is currently supportive for recent graduates, especially with the rise of remote opportunities facilitating access to jobs that might not have been available physically. As the demand for medical coding continues to grow, entering the field now allows newcomers to build a solid foundation for their career.

Career Earnings Timeline in Chattanooga

Year 0-2

New Graduate

$22,225/yr
Year 2-5

Early Career

$23,507/yr
Year 5-10

Mid Career

$29,092/yr
Year 10+

Experienced

$46,616/yr

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

2026 Salary Percentile Distribution in Chattanooga

Vertical bar chart of 10th through 90th percentile salaries for medical billing and coding specialists in Chattanooga. The median salary is $29,092, compared to the national median of $30,349.$20.0K$31.4K$42.8K$54.2K$65.6K$22.2K10th Pctl$23.5K25th Pctl$29.1KMedian$46.6K75th Pctl$62.5K90th PctlUS Median$30.3K

Entry-level medical billing and coding specialists in Chattanooga, TN typically start between $22,225 and $23,507 per year (2026 est.). The full salary range spans $40,230 from the 10th to 90th percentile, with the local median at $29,0924.14% below the national median.

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

Return on Investment

$3,200
Avg TN Program Cost
$22,225
Starting Salary
14.40%
Cost-to-Salary Ratio
<1 yr
Payback Estimate

The average medical billing and coding program cost in Tennessee of $3,200 represents just 14.40% of the starting medical billing and coding specialist pay ($22,225/year) in Chattanooga. 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 Chattanooga

  • 1Research the Chattanooga market: entry-level medical billing and coding specialist pay ranges from $22,225 to $23,507, 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 TN often pay a premium for expanded scope of work.
  • 3Evaluate the full compensation package — in Chattanooga, 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 Chattanooga for competitive entry-level pay and structured mentorship, then move to a smaller employer once you have 2-3 years of experience.
  • 5Chattanooga's below-average 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 Chattanooga is $40,230 ( 181.01%) between entry-level and top earners. Starting at $22,225, experienced hygienists can earn up to $62,455.

Represents the current salary spread across experience levels, not projected career growth rate.

2021 BLS Actual

$28,880

2025 BLS Actual

$21,721

2026 Current Est.

$22,225

2021–2027 Growth

+-21.3%

Salary Trajectory for Medical Billing and Coding Specialists in Chattanooga (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 Chattanooga. Baseline $28,880 in 2025, projected to $22,741 by 2027.$18.9K$23.8K$28.8K$33.7K$38.6K20212022202320242025202620272025 BLS$28.9K$31.1K$34.4K$35.8K$21.7K$22.2K$22.7K
YearAnnual SalaryStatus
2021$28,880Actual
2022$31,050Actual
2023$34,400Actual
2024$35,780Actual
2025$21,721Actual
2026(current)$22,225Estimated
2027$22,741Projected

Entry-level medical billing and coding specialist compensation (10th percentile) in Chattanooga, TN grew -24.8% over 5 years based on actual BLS metropolitan area surveys, rising from $28,880 in 2021 to $21,721 in 2025. By 2027, starting salaries are projected to reach $22,741. New graduates entering the Chattanooga job market can expect continued year-over-year gains.

Note: Historical values (20212025) are actual BLS OEWS figures for the Chattanooga 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 Chattanooga

In Chattanooga, various employers actively seek new graduates for entry-level medical billing and coding positions, particularly third-party coding companies and payer coding audit teams that often hire apprentice coders, providing structured mentorship. Additionally, physician group practices and outpatient Ambulatory Surgical Centers (ASCs) can offer entry-level roles, while hospital inpatient coding positions typically require more advanced certifications like the CCS. Obtaining credentials from recognized bodies such as AAPC or AHIMA, like the CPC or CPC-A, can significantly enhance starting medical billing and coding specialist pay in TN, as specialization in risk adjustment coding continues to gain prominence. For those looking to advance in their early career, continuous education and skill enhancement, especially in areas like ICD-10-CM and CPT updates, are crucial. Given the shift toward about 80% remote coding roles post-2020, there are great opportunities for growth within the first three years, often leading to realistic salary increases as various coding specialties evolve.

Frequently Asked Questions

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

Entry-level medical billing and coding specialists in Chattanooga start at approximately $22,225/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 $10.69/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 Chattanooga?

Most medical billing and coding specialists in Chattanooga progress from the entry-level salary of $22,225 to the area median of $29,092 within 3–5 years of clinical experience. Top earners with specializations and certifications reach $62,455 (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 Chattanooga?

With a starting salary of $22,225/year in Chattanooga 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 Chattanooga?

New medical billing and coding graduates in Chattanooga typically start near the 10th percentile at $22,225/year, or approximately $10.69/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 Tennessee?

To become a licensed medical billing and coding specialist in Tennessee, 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 Tennessee, 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 Tennessee

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 Chattanooga. 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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