Medical Billing Salary

Senior Medical Billing and Coding Specialist Salary in Montclair, NJ: $30,287 (2026)

Quick Answer:The top tier of medical billing and coding specialists working in Montclair, NJ — those at or above the 90th percentile — pull in $30,287/year or more for 2026, based on BLS OEWS 2025 estimates for SOC 29-2072. Strip back Montclair's price premium (BEA RPP 115.2, 15% above national) and that top-decile pay carries the same buying power as $26,291 in average-cost America. The 51% spread above city median typically rewards 7+ years of practice or specialty credentials.

$30,287
Top 10% Earn
$14.56/hr
Top Hourly Rate
$24,776
75th Percentile
$30,287
90th Percentile

Based on BLS state-level estimates · View source

Medical Billing and Coding Specialist Senior Salary in Montclair, NJ — 2026 est., based on 2025 BLS
Montclair, NJ medical billing and coding specialist senior salary overview (2026 est., based on 2025 BLS)

Compensation for seasoned medical billing and coding specialists in Montclair, New Jersey can reach impressive heights, with top earners (P90) expected to make approximately $30,287 in 2026. This figure positions them well above the projected median annual salary of $20,078. The substantial gap illustrates the potential financial reward for those who build expertise over time and achieve specialized certifications. Attaining such top-tier pay in this market typically requires a combination of years of experience—generally 7 years or more—and expertise in high-demand areas such as inpatient or surgical coding. This is particularly relevant in Montclair, where top medical billing and coding specialist salaries reflect the robust local healthcare industry and its reliance on skilled professionals.

About the Montclair Market

Salary estimated from New Jersey average ($60,000) adjusted for local cost of living.

2026 Salary Percentile Distribution in Montclair

Vertical bar chart of 10th through 90th percentile salaries for medical billing and coding specialists in Montclair. The median salary is $20,078, compared to the national median of $30,349.$13.3K$18.0K$22.6K$27.2K$31.9K$14.8K10th Pctl$17.9K25th Pctl$20.1KMedian$24.8K75th Pctl$30.3K90th PctlUS Median$30.3K

Experienced medical billing and coding specialists at the top of the pay scale in Montclair earn between $24,776 and $30,287 per year (2026 est.). This $15,461 range from 10th to 90th percentile reflects significant earnings potential growth over a career. The Montclair median of $20,078 sits 33.84% below the US median.

Source: BLS OEWS projected to 2026. Percentiles reflect the distribution of medical billing and coding specialist pay in the Montclair metro area.

Top MBS Salary Comparison

LevelMontclairNational
Median (P50)$20,078$30,349
75th Percentile$24,776$38,468
90th Percentile (Top 10%)$30,287$48,159

In Montclair, experienced medical billing and coding specialists (P90) earn 50.85% more than the local median — reflecting the significant value of specialization and tenure in this market.

What Drives Top Medical Billing and Coding Specialist Pay in Montclair

1

Advanced Certifications in New Jersey

NJ medical billing and coding specialists with additional specialty certifications within the medical billing and coding field earn significantly above the $20,078 median. Expanded-scope credentials are increasingly valued by Montclair employers.

2

Specialty Focus

Medical Billing and Coding Specialists focusing on high-acuity or specialty areas within the medical billing and coding field in Montclair command premium compensation, often reaching the $24,776–$30,287 range.

3

Large Health-System & Multi-Site Experience

Large hospital systems and multi-site employers in the Montclair metro area often pay above-market rates for experienced medical billing and coding specialists who demonstrate efficiency and leadership.

4

Employer Loyalty & Patient Relationships

Long-tenured medical billing and coding specialists in Montclair with established relationships have strong negotiating leverage. In this developing market, retention bonuses and annual raises are common for top performers.

5

Continuing Education & Leadership

Medical Billing and Coding Specialists in New Jersey who pursue advanced degrees, mentor junior staff, or lead clinical education programs position themselves for the highest compensation tiers and management roles.

Medical Billing and Coding Specialist Career & Wage Growth Path in Montclair

Clinical Medical Billing and Coding Specialist

0-5 years
$14,826 – $20,078

Senior/Lead Medical Billing and Coding Specialist

5-10 years
$20,078 – $24,776

Medical Billing and Coding Specialist Department Manager

10+ years
$24,776+

Educator / Specialty Leadership

Advanced
Varies by role

Montclair ranks #49 of 61 New Jersey cities for top earner medical billing and coding specialist salary (90th percentile: $30,287).

Top 10% medical billing and coding specialist compensation in Montclair ($30,287) is 24.3% below the New Jersey average P90 ($40,009).

2021 BLS Actual

$27,065

2025 BLS Actual

$29,600

2026 Current Est.

$30,287

2021–2027 Growth

+14.5%

Salary Trajectory for Medical Billing and Coding Specialists in Montclair (20212027)

2021–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 2.32% projection.

BLS Actual Estimated Projected
Salary trajectory chart for medical billing and coding specialists in Montclair. Baseline $27,065 in 2025, projected to $30,989 by 2027.$11.5K$38.7K$65.9K$93.2K$120.4K20212022202320242025202620272025 BLS$27.1K$27.5K$28.4K$104.8K$29.6K$30.3K$31.0K
YearAnnual SalaryStatus
2021$27,065Actual
2022$27,525Actual
2023$28,382Actual
2024$104,834Actual
2025$29,600Actual
2026(current)$30,287Estimated
2027$30,989Projected

Top-earning medical billing and coding specialists (90th percentile) in Montclair saw their compensation grow 9.4% from $27,065 in 2021 to $29,600 in 2025, based on 5 years of BLS OEWS data for this metropolitan area. At a 2.32% annual growth rate, senior-level pay is projected to reach $30,989 by 2027, reflecting continued demand for clinical expertise and expanded-function credentials.

Note: Historical values (20212025) are actual BLS OEWS figures for the Montclair metropolitan area, sourced from annual Occupational Employment and Wage Statistics surveys. 20262026 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.

Maximizing Your Medical Billing and Coding Specialist Earnings in Montclair

As the demand for specialized coding expertise continues to grow, certain areas within the field command higher salaries, reinforcing the idea that advanced credentials can significantly influence earning potential in NJ. For instance, proficiency in inpatient coding (CCS), outpatient coding (CPC), or risk adjustment (CRC) can set experienced professionals apart in the competitive Montclair market, making them valuable assets to physician group practices, hospitals, and third-party coding companies. Additionally, the nature of the employer can play a critical role in compensation; positions within consulting firms or insurance company coding audits often offer attractive pay structures compared to traditional hospital settings. Leadership roles such as coding supervisor or HIM director typically come with their own salary boosts, rewarding those who advance into management. Given the shifts in the industry toward remote work and the necessity for continuous education in ICD-10-CM and CPT updates, the potential for enhanced earnings in this field is significant, especially for those who pursue multiple AAPC or AHIMA credentials.

Frequently Asked Questions

How much do experienced medical billing and coding specialists make in Montclair in 2026?

Top-earning medical billing and coding specialists in Montclair (90th percentile) make $30,287/year, based on estimated 2026 salary (projected from 2025 BLS data at 2.32% annual growth). This is $10,209 more than the area median of $20,078 — representing a significant experience premium. Senior medical billing and coding specialists typically reach this level after 10+ years of clinical experience combined with specialty certifications, strong patient relationships, and working at high-production or specialty practices.

What drives higher medical billing and coding specialist pay in Montclair?

Higher medical billing and coding specialist pay in Montclair is driven by several key factors: years of clinical experience (10+ years for top tier), specializations, expanded-function certifications that allow additional procedures, and employment at high-production practices or large organizations. Geographic factors within the metro area also matter — practices in affluent neighborhoods or underserved areas often pay premium rates. Building a loyal patient base and strong clinical reputation further supports salary negotiation.

What certifications boost medical billing and coding specialist salary in Montclair?

The most impactful salary-boosting certifications for medical billing and coding specialists in Montclair include specialty certifications, advanced treatment certifications, and expanded-function credentials. These certifications can increase earnings well above the median of $20,078, especially when combined with experience at specialty practices.

Can experienced medical billing and coding specialists make six figures in Montclair?

The 90th percentile in Montclair is $30,287. Reaching six figures in this market may require combining clinical work at multiple practices with additional income from education, consulting, product sales, or relocating to a higher-paying metro area. Advanced certifications and specializations can help close the gap.

How much does medical billing and coding specialist salary increase over time in Montclair?

In Montclair, the gap between entry level ($14,826) and top earners ($30,287) is $15,461, reflecting significant earning potential over a career. Most salary growth occurs in the first 5–10 years through accumulated clinical experience and additional credentials. After year 10, growth slows unless you pursue management roles, teaching positions, or transition into consulting. Continuous professional development is essential for maximizing long-term earnings.

Related Pages

Nearby Cities in New Jersey

AP

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.

Clinically reviewed by Liam Johnson, RHITData verified by Sofia Nguyen, CCS

Methodology & Data Source

Top-earner salary figures on this page are 2026 projections derived from the Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) survey, May 2026 release. BLS reported a 90th percentile salary of $29,600 for medical billing and coding specialists in the Montclair metro area. A 2.32% compound annual growth rate (CAGR), calculated from 6-year national BLS wage trends, was applied to project current 2026 senior-level compensation. Individual earnings depend on certifications, specialization, practice type, and years of clinical experience.

Data Sources & Methodology

Salary data for Montclair is estimated from official BLS state-level occupational wage data (2025), adjusted for regional cost-of-living differences using BEA RPP (Regional Price Parities).

View estimation methodology

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

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