Medical Billing and Coding Specialist Salary in Saginaw, MI: $31,388 (2026)
Quick Answer:A full-time medical billing and coding specialist in Saginaw, MI earns a median $31,388/year (≈ $15.09/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 29-2072). Once you factor in Saginaw's price level (9% below national, BEA RPP 90.9), that paycheck buys what $34,534 would nationally. Nominal pay sits 11.1% above the Michigan state average.
Official BLS data · View source
In 2026, medical billing and coding specialists in Saginaw, Michigan, are projected to earn a median annual salary of $31,388, slightly higher than the national average of $30,349. While the full salary range spans from a low of $22,593 at the 10th percentile to a high of $46,847 at the 90th percentile, variations in pay can largely be attributed to the type of coding specialty. Specialists focusing on inpatient coding (CCS) generally command higher salaries compared to those working in outpatient coding (CPC) or risk adjustment (CRC). These figures are derived from official BLS OEWS surveys, illustrating a robust market for medical billing and coding expertise in Saginaw, a city where demand is consistent with the industry's growth.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $22,593 | $10.87 |
| Lower Range (P25) | $26,040 | $12.52 |
| Median (P50)(typical) | $31,388 | $15.09 |
| Upper Range (P75) | $37,328 | $17.95 |
| Top Earners (P90) | $46,847 | $22.52 |
Median Salary Position
3.42% above the national average
2026 Salary Percentile Distribution in Saginaw
In Saginaw, MI, the medical billing and coding specialist salary spread from the 10th to 90th percentile is $24,254 (2026 est.). At $31,388, the local median is 3.42% above the national median of $30,349.
Salary Calculator
At 40 hours/week in Saginaw: You'd be in the lower-middle range
How Saginaw Medical Billing and Coding Specialist Pay Compares
Saginaw median: $31,388/year (2026)
| Compared To | Median Salary | Saginaw Pays |
|---|---|---|
| Michigan Average | $28,252 | +11.10% more |
| National Average | $30,349 | +3.42% more |
Medical Billing and Coding Specialists in Saginaw, MI earn a median of $31,388 per year (2026 est.), which is 3.42% higher than the national median of $30,349 and 11.10% above the Michigan state average of $28,252.
Cost-of-Living Adjusted Salary
Saginaw has a cost of living 9.11% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Saginaw, MI has a cost-of-living index of 90.891 (below the national average of 100). A medical billing and coding specialist earning $31,388 nominally has purchasing power equivalent to $34,534 in an average-cost city — an effective 10.02% boost.
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2021 BLS Actual
$45,820
2025 BLS Actual
$30,676
2026 Current Est.
$31,388
2021–2027 Growth
+-29.9%
Salary Trajectory for Medical Billing and Coding Specialists in Saginaw (2021–2027)
2021–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 2.32% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2021 | $45,820 | Actual |
| 2022 | $50,630 | Actual |
| 2023 | $51,850 | Actual |
| 2024 | $54,020 | Actual |
| 2025 | $30,676 | Actual |
| 2026(current) | $31,388 | Estimated |
| 2027 | $32,116 | Projected |
Based on 5 years of BLS OEWS data for the Saginaw metropolitan area, the median medical billing and coding specialist salary grew -33.1% from $45,820 (2021) to $30,676 (2025). At a 2.32% compound annual growth rate, salaries are projected to reach $32,116 by 2027 — a total increase of $-13,704 (-29.91%) from 2021.
Note: Historical values (2021–2025) are actual BLS OEWS figures for the Saginaw 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) | $22,593 – $26,040 |
| 3-5 years (Mid Career) | $26,040 – $31,388 |
| 5+ years (Experienced) | $31,388 – $37,328 |
| 10+ years (Top Earner) | $37,328 – $46,847 |
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 Saginaw
Analyzing the local market reveals a stable employment scenario, with approximately 150 medical billing and coding specialists currently working in Saginaw. The cost-of-living index of 90.891 indicates that living expenses are below the national average, which enhances the take-home purchasing power for local coders. Employers providing the highest pay often include hospital inpatient coding departments and third-party coding companies that offer remote work options. Factors driving compensation disparities include specialization levels, additional credentials such as CPC or CCS, productivity bonuses, and whether the position is in-person or remote. For those seeking to maximize their medical billing and coding specialist pay in Saginaw, continuously updating ICD-10-CM and CPT knowledge while pursuing further certifications can make a significant impact on career advancement and earning potential.
More salary data for Saginaw, 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 $30,676 for medical billing and coding specialistsin the Saginaw 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
Source: BLS, OEWS, 5-year dataset (–). Per-city data from annual BLS metropolitan area surveys.
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