Medical Billing and Coding Specialist Salary in Bay City, MI: $28,054 (2026)
Quick Answer:A full-time medical billing and coding specialist in Bay City, MI earns a median $28,054/year (≈ $13.49/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 29-2072). Once you factor in Bay City's price level (7% below national, BEA RPP 93.2), that paycheck buys what $30,101 would nationally. Nominal pay sits 0.7% below the Michigan state average.
Based on BLS state-level estimates · View source
Bay City's medical billing and coding specialists can anticipate a median annual salary of $28,054 in 2026, which reflects a notable decrease compared to the national average of $30,349. The salary spectrum varies significantly, ranging from $20,956 at the 10th percentile to $42,461 at the 90th percentile. Such estimates are derived from BLS state-level data and adjusted for regional price variabilities. With credentialing pathways like CPC, CCS, and CRC, professionals can enhance their skills and potentially increase their lifetime earnings. This knowledge is valuable in Bay City's competitive job environment, reinforcing the demand for specialized coding proficiency, particularly as the field evolves with advancements in remote work and coding practices.
About the Bay City Market
Salary estimated from Michigan average ($48,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $20,956 | $10.08 |
| Lower Range (P25) | $24,034 | $11.55 |
| Median (P50)(typical) | $28,054 | $13.49 |
| Upper Range (P75) | $34,705 | $16.69 |
| Top Earners (P90) | $42,461 | $20.41 |
Median Salary Position
7.56% below the national average
2026 Salary Percentile Distribution in Bay City
In Bay City, MI, the medical billing and coding specialist salary spread from the 10th to 90th percentile is $21,505 (2026 est.). At $28,054, the local median is 7.56% below the national median of $30,349.
Salary Calculator
At 40 hours/week in Bay City: You'd be in the lower-middle range
How Bay City Medical Billing and Coding Specialist Pay Compares
Bay City median: $28,054/year (2026)
| Compared To | Median Salary | Bay City Pays |
|---|---|---|
| Michigan Average | $28,252 | -0.70% less |
| National Average | $30,349 | -7.56% less |
Medical Billing and Coding Specialists in Bay City, MI earn a median of $28,054 per year (2026 est.), which is 7.56% lower than the national median of $30,349 and 0.70% below the Michigan state average of $28,252.
Cost-of-Living Adjusted Salary
Bay City has a cost of living 6.80% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Bay City, MI has a cost-of-living index of 93.2 (below the national average of 100). A medical billing and coding specialist earning $28,054 nominally has purchasing power equivalent to $30,101 in an average-cost city — an effective 7.3% boost.
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2021 BLS Actual
$25,016
2025 BLS Actual
$27,418
2026 Current Est.
$28,054
2021–2027 Growth
+14.7%
Salary Trajectory for Medical Billing and Coding Specialists in Bay City (2021–2027)
2021–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 2.32% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2021 | $25,016 | Actual |
| 2022 | $25,295 | Actual |
| 2023 | $26,153 | Actual |
| 2024 | $44,409 | Actual |
| 2025 | $27,418 | Actual |
| 2026(current) | $28,054 | Estimated |
| 2027 | $28,705 | Projected |
Based on 5 years of BLS OEWS data for the Bay City metropolitan area, the median medical billing and coding specialist salary grew 9.6% from $25,016 (2021) to $27,418 (2025). At a 2.32% compound annual growth rate, salaries are projected to reach $28,705 by 2027 — a total increase of $3,689 (14.75%) from 2021.
Note: Historical values (2021–2025) are actual BLS OEWS figures for the Bay City 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) | $20,956 – $24,034 |
| 3-5 years (Mid Career) | $24,034 – $28,054 |
| 5+ years (Experienced) | $28,054 – $34,705 |
| 10+ years (Top Earner) | $34,705 – $42,461 |
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 Bay City
While Bay City currently employs only eight medical billing and coding specialists, this number highlights a niche market with potential for growth. The cost of living index at 93.2 suggests that although salaries may be lower than the national average, purchasing power remains relatively stable. Among local employers, physician group practices and hospital inpatient coding departments tend to offer the most lucrative opportunities, with varying pay scales influenced by specialties such as inpatient coding and risk adjustment. The spread in compensation can also be attributed to factors like credential stacking and productivity bonuses. For individuals aiming to maximize their earnings, focusing on remote work options and continuous education in coding systems like ICD-10-CM and CPT can significantly enhance financial prospects in Bay City's evolving healthcare landscape.
More salary data for Bay City, MI:
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 $27,418 for medical billing and coding specialistsin the Bay City 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 Bay City 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