Medical Billing and Coding Specialist Salary in Loveland, CO: $32,246 (2026)
Quick Answer:A full-time medical billing and coding specialist in Loveland, CO earns a median $32,246/year (≈ $15.50/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 29-2072). Once you factor in Loveland's price level (5% above national, BEA RPP 105.0), that paycheck buys what $30,710 would nationally. Nominal pay sits 1.1% below the Colorado state average.
Based on BLS state-level estimates · View source
In Loveland, Colorado, the 2026 median annual salary for medical billing and coding specialists is projected at $32,246. This figure represents a promising earning potential, slightly surpassing the national median of $30,349. Salaries in Loveland vary widely, with forecasts ranging from $23,502 at the 10th percentile to $49,981 at the 90th percentile, indicating the significant impact of experience, specialization, and credentials. The local estimates, derived from BLS state-level data and regional price adjustments, suggest a competitive environment for professionals in the field. Those pursuing credential stacking—such as earning their Certified Professional Coder (CPC), Certified Coding Specialist (CCS), or Certified Risk Adjustment Coder (CRC)—can expect to enhance their lifetime earning potential as they navigate through various roles in coding and billing, particularly in a market characterized by evolving demands in risk adjustment and outpatient services.
About the Loveland Market
Salary estimated from Colorado average ($55,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $23,502 | $11.30 |
| Lower Range (P25) | $27,309 | $13.13 |
| Median (P50)(typical) | $32,246 | $15.50 |
| Upper Range (P75) | $40,655 | $19.54 |
| Top Earners (P90) | $49,981 | $24.02 |
Median Salary Position
6.25% above the national average
2026 Salary Percentile Distribution in Loveland
In Loveland, CO, the medical billing and coding specialist salary spread from the 10th to 90th percentile is $26,479 (2026 est.). At $32,246, the local median is 6.25% above the national median of $30,349.
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At 40 hours/week in Loveland: You'd be in the lower-middle range
How Loveland Medical Billing and Coding Specialist Pay Compares
Loveland median: $32,246/year (2026)
| Compared To | Median Salary | Loveland Pays |
|---|---|---|
| Colorado Average | $32,605 | -1.10% less |
| National Average | $30,349 | +6.25% more |
Medical Billing and Coding Specialists in Loveland, CO earn a median of $32,246 per year (2026 est.), which is 6.25% higher than the national median of $30,349 and 1.10% below the Colorado state average of $32,605.
Cost-of-Living Adjusted Salary
Loveland has a cost of living 5.00% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Loveland, CO has a cost-of-living index of 105 (above the national average of 100). While the nominal salary of $32,246 is competitive, the higher cost of living reduces purchasing power to an effective $30,710 — a 4.76% reduction.
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2021 BLS Actual
$28,754
2025 BLS Actual
$31,515
2026 Current Est.
$32,246
2021–2027 Growth
+14.7%
Salary Trajectory for Medical Billing and Coding Specialists in Loveland (2021–2027)
2021–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 2.32% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2021 | $28,754 | Actual |
| 2022 | $29,075 | Actual |
| 2023 | $30,061 | Actual |
| 2024 | $55,803 | Actual |
| 2025 | $31,515 | Actual |
| 2026(current) | $32,246 | Estimated |
| 2027 | $32,994 | Projected |
Based on 5 years of BLS OEWS data for the Loveland metropolitan area, the median medical billing and coding specialist salary grew 9.6% from $28,754 (2021) to $31,515 (2025). At a 2.32% compound annual growth rate, salaries are projected to reach $32,994 by 2027 — a total increase of $4,240 (14.75%) from 2021.
Note: Historical values (2021–2025) are actual BLS OEWS figures for the Loveland 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) | $23,502 – $27,309 |
| 3-5 years (Mid Career) | $27,309 – $32,246 |
| 5+ years (Experienced) | $32,246 – $40,655 |
| 10+ years (Top Earner) | $40,655 – $49,981 |
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 Loveland
The job market in Loveland includes roughly 17 medical billing and coding specialists, suggesting a close-knit professional community with potential for collaboration and networking. With a cost-of-living index of 105, the financial landscape in Loveland indicates that while salaries may be slightly higher than the national average, the increased living expenses should be taken into account when assessing actual purchasing power. Employers in this region, such as physician group practices and third-party coding companies, typically offer the highest wages, especially for specialists with credentials in inpatient coding or those performing compliance audits. Factors that drive pay disparity include the demand for specific skill sets, productivity bonuses based on charts coded per hour, and remote vs. in-office work structures. To maximize earning potential in Loveland, specialists should focus on expanding their certifications and staying current with coding updates while considering roles that leverage the growing trend of remote work opportunities in the field.
More salary data for Loveland, CO:
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
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 $31,515 for medical billing and coding specialistsin the Loveland 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 Loveland 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