Medical Billing and Coding Specialist Salary in Winter Haven, FL: $28,356 (2026)
Quick Answer:A full-time medical billing and coding specialist in Winter Haven, FL earns a median $28,356/year (≈ $13.63/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 29-2072). Once you factor in Winter Haven's price level (1% above national, BEA RPP 100.8), that paycheck buys what $28,131 would nationally. Nominal pay sits 6.1% above the Florida state average.
Based on BLS state-level estimates · View source
In Winter Haven, Florida, the projected median annual salary for a medical billing and coding specialist is $28,356 for 2026, which reflects a slight decrease of 6.57% compared to the national median of $30,349. The salary range for this role spans from $20,416 at the 10th percentile to $43,952 at the 90th percentile, indicating a diverse earning potential depending on experience and credentials. This data, derived from 2025 BLS state-level estimates and local cost adjustments, highlights the importance of credential stacking in this field. For instance, specialists advancing from a Certified Professional Coder (CPC) to Certified Coding Specialist (CCS) and Certified Risk Adjustment Coder (CRC) can significantly enhance their lifetime earnings and job prospects, making this pathway a strategic career choice in Winter Haven's evolving healthcare landscape.
About the Winter Haven Market
Salary estimated from Florida average ($46,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $20,416 | $9.81 |
| Lower Range (P25) | $23,827 | $11.46 |
| Median (P50)(typical) | $28,356 | $13.63 |
| Upper Range (P75) | $36,139 | $17.37 |
| Top Earners (P90) | $43,952 | $21.13 |
Median Salary Position
6.57% below the national average
2026 Salary Percentile Distribution in Winter Haven
In Winter Haven, FL, the medical billing and coding specialist salary spread from the 10th to 90th percentile is $23,536 (2026 est.). At $28,356, the local median is 6.57% below the national median of $30,349.
Salary Calculator
At 40 hours/week in Winter Haven: You'd be in the lower-middle range
How Winter Haven Medical Billing and Coding Specialist Pay Compares
Winter Haven median: $28,356/year (2026)
| Compared To | Median Salary | Winter Haven Pays |
|---|---|---|
| Florida Average | $26,726 | +6.10% more |
| National Average | $30,349 | -6.57% less |
Medical Billing and Coding Specialists in Winter Haven, FL earn a median of $28,356 per year (2026 est.), which is 6.57% lower than the national median of $30,349 and 6.10% above the Florida state average of $26,726.
Cost-of-Living Adjusted Salary
Winter Haven has a cost of living 0.80% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Winter Haven, FL has a cost-of-living index of 100.8 (above the national average of 100). While the nominal salary of $28,356 is competitive, the higher cost of living reduces purchasing power to an effective $28,131 — a 0.79% reduction.
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2021 BLS Actual
$25,285
2025 BLS Actual
$27,713
2026 Current Est.
$28,356
2021–2027 Growth
+14.7%
Salary Trajectory for Medical Billing and Coding Specialists in Winter Haven (2021–2027)
2021–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 2.32% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2021 | $25,285 | Actual |
| 2022 | $25,567 | Actual |
| 2023 | $26,434 | Actual |
| 2024 | $46,846 | Actual |
| 2025 | $27,713 | Actual |
| 2026(current) | $28,356 | Estimated |
| 2027 | $29,014 | Projected |
Based on 5 years of BLS OEWS data for the Winter Haven metropolitan area, the median medical billing and coding specialist salary grew 9.6% from $25,285 (2021) to $27,713 (2025). At a 2.32% compound annual growth rate, salaries are projected to reach $29,014 by 2027 — a total increase of $3,729 (14.75%) from 2021.
Note: Historical values (2021–2025) are actual BLS OEWS figures for the Winter Haven 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) | $20,416 – $23,827 |
| 3-5 years (Mid Career) | $23,827 – $28,356 |
| 5+ years (Experienced) | $28,356 – $36,139 |
| 10+ years (Top Earner) | $36,139 – $43,952 |
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 Winter Haven
In terms of employment, Winter Haven has a small but stable job market, with just 10 medical billing and coding specialists currently employed in the region. The cost of living index in Winter Haven stands at 100.8, slightly above the national average, which can impact take-home purchasing power for these professionals. Among local employers, physician group practices and hospital inpatient coding departments tend to offer higher pay scales. The salary variations in Winter Haven reflect multiple factors, including specialty focus—where inpatient coding typically yields higher compensation than outpatient settings—and credentials, with stacked qualifications commanding premium wages. Furthermore, productivity bonuses for coding efficiency and the option for remote work have become key drivers in negotiating salaries. For those looking to maximize their pay in this market, pursuing advanced certifications and exploring remote coding positions within larger healthcare networks can provide substantial financial benefits.
More salary data for Winter Haven, 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 $27,713 for medical billing and coding specialistsin the Winter Haven 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 Winter Haven 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