Medical Billing and Coding Specialist Salary in Cumberland, MD: $17,808 (2026)
Quick Answer:A full-time medical billing and coding specialist in Cumberland, MD earns a median $17,808/year (≈ $8.56/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 29-2072). Once you factor in Cumberland's price level (9% above national, BEA RPP 109.3), that paycheck buys what $16,293 would nationally. Nominal pay sits 7.4% below the Maryland state average.
Based on BLS state-level estimates · View source
In 2026, medical billing and coding specialists in Cumberland, Maryland can expect a median annual salary of $17,808, significantly lower than the national median of $30,349. Salary ranges indicate a broad spectrum of earnings, from $14,069 at the 10th percentile to $26,454 for the 90th percentile. These estimates are derived from BLS state-level data and adjusted for local economic conditions, showcasing the specific dynamics of Cumberland’s job market. With limited employment opportunities for medical billing and coding specialists—only five in the area—those seeking entry into the field may face increased competition despite the appeal of coding jobs, especially in outpatient settings.
About the Cumberland Market
Salary estimated from Maryland average ($58,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $14,069 | $6.76 |
| Lower Range (P25) | $15,746 | $7.57 |
| Median (P50)(typical) | $17,808 | $8.56 |
| Upper Range (P75) | $21,947 | $10.55 |
| Top Earners (P90) | $26,454 | $12.72 |
Median Salary Position
41.32% below the national average
2026 Salary Percentile Distribution in Cumberland
In Cumberland, MD, the medical billing and coding specialist salary spread from the 10th to 90th percentile is $12,385 (2026 est.). At $17,808, the local median is 41.32% below the national median of $30,349.
Salary Calculator
At 40 hours/week in Cumberland: You'd be in the lower-middle range
How Cumberland Medical Billing and Coding Specialist Pay Compares
Cumberland median: $17,808/year (2026)
| Compared To | Median Salary | Cumberland Pays |
|---|---|---|
| Maryland Average | $19,231 | -7.40% less |
| National Average | $30,349 | -41.32% less |
Medical Billing and Coding Specialists in Cumberland, MD earn a median of $17,808 per year (2026 est.), which is 41.32% lower than the national median of $30,349 and 7.40% below the Maryland state average of $19,231.
Cost-of-Living Adjusted Salary
Cumberland has a cost of living 9.30% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Cumberland, MD has a cost-of-living index of 109.3 (above the national average of 100). While the nominal salary of $17,808 is competitive, the higher cost of living reduces purchasing power to an effective $16,293 — a 8.51% reduction.
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2021 BLS Actual
$58,610
2025 BLS Actual
$17,404
2026 Current Est.
$17,808
2021–2027 Growth
+-68.9%
Salary Trajectory for Medical Billing and Coding Specialists in Cumberland (2021–2027)
2021–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 2.32% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2021 | $58,610 | Actual |
| 2022 | $49,500 | Actual |
| 2023 | $52,600 | Actual |
| 2024 | $58,677 | Actual |
| 2025 | $17,404 | Actual |
| 2026(current) | $17,808 | Estimated |
| 2027 | $18,221 | Projected |
Based on 5 years of BLS OEWS data for the Cumberland metropolitan area, the median medical billing and coding specialist salary grew -70.3% from $58,610 (2021) to $17,404 (2025). At a 2.32% compound annual growth rate, salaries are projected to reach $18,221 by 2027 — a total increase of $-40,389 (-68.91%) from 2021.
Note: Historical values (2021–2025) are actual BLS OEWS figures for the Cumberland 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) | $14,069 – $15,746 |
| 3-5 years (Mid Career) | $15,746 – $17,808 |
| 5+ years (Experienced) | $17,808 – $21,947 |
| 10+ years (Top Earner) | $21,947 – $26,454 |
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 Cumberland
Looking deeper into the local job market, the cost of living index in Cumberland stands at 109.3, which could impact take-home purchasing power for coders earning below the national average. Key employers in the area include hospital inpatient coding departments and physician group practice coding offices, which tend to offer better compensation compared to third-party coding companies and consulting firms. The disparity in salaries often correlates with specialty area and credentialing; individuals holding multiple certifications such as CPC, CCS, and CRC may earn higher premiums. Additionally, with a shift toward remote work, coders who can achieve high productivity or specialize in risk adjustment coding related to HCC are positioned for better financial outcomes. To maximize pay in Cumberland, aspiring medical billing and coding specialists should invest in certifications, target specialty practices, and leverage remote opportunities effectively.
More salary data for Cumberland, MD:
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 $17,404 for medical billing and coding specialistsin the Cumberland 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 Cumberland 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