Medical Billing and Coding Specialist Salary in St. Cloud, FL: $26,126 (2026)
Quick Answer:A full-time medical billing and coding specialist in St. Cloud, FL earns a median $26,126/year (≈ $12.56/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 29-2072). Once you factor in St. Cloud's price level (1% above national, BEA RPP 100.8), that paycheck buys what $25,919 would nationally. Nominal pay sits 2.3% below the Florida state average.
Based on BLS state-level estimates · View source
In 2026, medical billing and coding specialists in St. Cloud, Florida, can expect to earn a median annual salary of $26,126, which is significantly lower than the national median of $30,349. The salary range varies widely, offering positions starting around $19,486 at the lower end (P10) and extending to $40,496 for those at the higher end (P90). These projections are influenced by local estimates derived from 2025 BLS data and regional cost adjustments. Despite the growing viability of remote work opportunities in this field, which now accounts for a significant portion of roles available, St. Cloud's salaries remain somewhat constrained when compared to national figures, reflecting a local market that offers limited positions for specialized coding talent.
About the St. Cloud Market
Salary estimated from Florida average ($46,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $19,486 | $9.37 |
| Lower Range (P25) | $22,481 | $10.80 |
| Median (P50)(typical) | $26,126 | $12.56 |
| Upper Range (P75) | $33,272 | $15.99 |
| Top Earners (P90) | $40,496 | $19.47 |
Median Salary Position
13.91% below the national average
2026 Salary Percentile Distribution in St. Cloud
In St. Cloud, FL, the medical billing and coding specialist salary spread from the 10th to 90th percentile is $21,010 (2026 est.). At $26,126, the local median is 13.91% below the national median of $30,349.
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At 40 hours/week in St. Cloud: You'd be in the lower-middle range
How St. Cloud Medical Billing and Coding Specialist Pay Compares
St. Cloud median: $26,126/year (2026)
| Compared To | Median Salary | St. Cloud Pays |
|---|---|---|
| Florida Average | $26,741 | -2.30% less |
| National Average | $30,349 | -13.91% less |
Medical Billing and Coding Specialists in St. Cloud, FL earn a median of $26,126 per year (2026 est.), which is 13.91% lower than the national median of $30,349 and 2.30% below the Florida state average of $26,741.
Cost-of-Living Adjusted Salary
St. Cloud has a cost of living 0.80% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
St. Cloud, FL has a cost-of-living index of 100.8 (above the national average of 100). While the nominal salary of $26,126 is competitive, the higher cost of living reduces purchasing power to an effective $25,919 — a 0.79% reduction.
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2021 BLS Actual
$23,297
2025 BLS Actual
$25,534
2026 Current Est.
$26,126
2021–2027 Growth
+14.7%
Salary Trajectory for Medical Billing and Coding Specialists in St. Cloud (2021–2027)
2021–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 2.32% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2021 | $23,297 | Actual |
| 2022 | $23,557 | Actual |
| 2023 | $24,356 | Actual |
| 2024 | $45,322 | Actual |
| 2025 | $25,534 | Actual |
| 2026(current) | $26,126 | Estimated |
| 2027 | $26,733 | Projected |
Based on 5 years of BLS OEWS data for the St. Cloud metropolitan area, the median medical billing and coding specialist salary grew 9.6% from $23,297 (2021) to $25,534 (2025). At a 2.32% compound annual growth rate, salaries are projected to reach $26,733 by 2027 — a total increase of $3,436 (14.75%) from 2021.
Note: Historical values (2021–2025) are actual BLS OEWS figures for the St. Cloud 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) | $19,486 – $22,481 |
| 3-5 years (Mid Career) | $22,481 – $26,126 |
| 5+ years (Experienced) | $26,126 – $33,272 |
| 10+ years (Top Earner) | $33,272 – $40,496 |
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 St. Cloud
With only 11 medical billing and coding specialists currently employed in St. Cloud, the job market is relatively small but stable. The cost of living index stands at 100.8, slightly above the national average, which affects take-home purchasing power for local professionals. While physician group practice coding offices and hospital inpatient coding departments typically offer competitive pay, remote work with third-party coding companies can also provide advantageous compensation without the restrictions of geography. Variations in salaries can largely be attributed to factors such as specialization—those working in inpatient coding or risk adjustment may command higher wages—and additional credentials, such as CPC, CCS, or CRC, which enhance a coder's marketability. For individuals looking to maximize their earnings, strategic upskilling through AAPC or AHIMA certifications, along with pursuing opportunities in high-demand niches like risk adjustment and audit compliance, is recommended to better position themselves in St. Cloud's medical billing and coding landscape.
More salary data for St. Cloud, FL:
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 $25,534 for medical billing and coding specialistsin the St. Cloud 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 St. Cloud 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