Medical Billing and Coding Specialist Salary in Gilroy, CA: $35,094 (2026)
Quick Answer:A full-time medical billing and coding specialist in Gilroy, CA earns a median $35,094/year (≈ $16.87/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 29-2072). Once you factor in Gilroy's price level (13% above national, BEA RPP 113.1), that paycheck buys what $31,029 would nationally. Nominal pay sits 0.0% above the California state average.
Based on BLS state-level estimates · View source
In 2026, medical billing and coding specialists in Gilroy, California, can anticipate a median annual salary of $35,094, which represents a notable increase over the national median of $30,349 for the same year. The local salary range spans from $24,705 at the lower end (P10) to $54,395 at the upper end (P90), reflecting the varying levels of expertise and specialization within the field. These estimates are derived from 2025 BLS data, projected to 2026, with adjustments for regional cost considerations. Given the local job market and the nuances of specialty pay, it's clear that those in inpatient coding roles—particularly those holding credentials like CCS—tend to command higher salaries compared to their outpatient counterparts or those focused on risk adjustment and HCC coding.
About the Gilroy Market
Salary estimated from California average ($66,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $24,705 | $11.88 |
| Lower Range (P25) | $29,067 | $13.98 |
| Median (P50)(typical) | $35,094 | $16.87 |
| Upper Range (P75) | $43,537 | $20.93 |
| Top Earners (P90) | $54,395 | $26.15 |
Median Salary Position
15.63% above the national average
2026 Salary Percentile Distribution in Gilroy
In Gilroy, CA, the medical billing and coding specialist salary spread from the 10th to 90th percentile is $29,690 (2026 est.). At $35,094, the local median is 15.63% above the national median of $30,349.
Salary Calculator
At 40 hours/week in Gilroy: You'd be in the lower-middle range
How Gilroy Medical Billing and Coding Specialist Pay Compares
Gilroy median: $35,094/year (2026)
| Compared To | Median Salary | Gilroy Pays |
|---|---|---|
| National Average | $30,349 | +15.63% more |
Medical Billing and Coding Specialists in Gilroy, CA earn a median of $35,094 per year (2026 est.), which is 15.63% higher than the national median of $30,349.
Cost-of-Living Adjusted Salary
Gilroy has a cost of living 13.10% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Gilroy, CA has a cost-of-living index of 113.1 (above the national average of 100). While the nominal salary of $35,094 is competitive, the higher cost of living reduces purchasing power to an effective $31,029 — a 11.58% reduction.
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2021 BLS Actual
$31,293
2025 BLS Actual
$34,298
2026 Current Est.
$35,094
2021–2027 Growth
+14.7%
Salary Trajectory for Medical Billing and Coding Specialists in Gilroy (2021–2027)
2021–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 2.32% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2021 | $31,293 | Actual |
| 2022 | $31,642 | Actual |
| 2023 | $32,715 | Actual |
| 2024 | $74,677 | Actual |
| 2025 | $34,298 | Actual |
| 2026(current) | $35,094 | Estimated |
| 2027 | $35,908 | Projected |
Based on 5 years of BLS OEWS data for the Gilroy metropolitan area, the median medical billing and coding specialist salary grew 9.6% from $31,293 (2021) to $34,298 (2025). At a 2.32% compound annual growth rate, salaries are projected to reach $35,908 by 2027 — a total increase of $4,615 (14.75%) from 2021.
Note: Historical values (2021–2025) are actual BLS OEWS figures for the Gilroy 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.
Salary by Experience Level
| Experience | Estimated Salary Range |
|---|---|
| 0-2 years (New Graduate) | $24,705 – $29,067 |
| 3-5 years (Mid Career) | $29,067 – $35,094 |
| 5+ years (Experienced) | $35,094 – $43,537 |
| 10+ years (Top Earner) | $43,537 – $54,395 |
MBS salary ranges estimated from BLS percentile data. Individual medical billing and coding specialist compensation varies by employer, certifications, and specialization.
Medical Billing and Coding Specialist Job Market in Gilroy
The job market for medical billing and coding specialists in Gilroy currently employs about 10 individuals in this field, presenting a relatively niche environment for job seekers. With a cost-of-living index at 113.1, which is above the national average, the earnings potential for these professionals becomes more significant when considering local economic conditions. Employment avenues range from physician group practices to third-party coding firms that offer flexible remote work options. Specialty knowledge, such as inpatient coding (CCS), or a combination of credentials like CPC and CRC can lead to higher pay levels. Factors such as the complexity of audits, compliance requirements, and the productivity incentives many employers offer can also contribute to the variation in salaries. For those looking to maximize their earnings in Gilroy, pursuing advanced certifications and seeking positions that offer bonuses tied to performance may be particularly effective strategies.
More salary data for Gilroy, CA:
Frequently Asked Questions
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Can medical billing and coding specialists make $100K in Gilroy?
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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
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 BLS reported a median annual salary of $34,298 for medical billing and coding specialistsin the Gilroy metropolitan area. A 2.32% compound annual growth rate (CAGR), calculated from 6-year national BLS wage trends, was applied to project current 2026 compensation. Percentile ranges (P10–P90) represent the full salary distribution across experience levels and practice settings in this market.
Data Sources & Methodology
Salary data for Gilroy is estimated from official BLS state-level occupational wage data (2025), adjusted for regional cost-of-living differences using BEA RPP (Regional Price Parities).
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