Bill and Account Collectors Salary
In Elmira, NY, bill and account collectors earn $40,450 at the median, or about $19.45 an hour. The range runs from $33K at the entry level to $58K for experienced workers. Cost of living is below average (RPP 94.4), which stretches that salary to about $42,850 in buying power. A 2-bedroom apartment runs $1,283/month, about 45.9% of take-home, which is tight.
So what does $40K get you in Elmira?
Groceries, utilities, transportation, and healthcare scaled from national averages by Elmira’s Regional Price Parity (94.4). Rent from HUD Fair Market Rents. Taxes estimated for single filer, standard deduction. * Healthcare is the employee-paid share only (premiums + out-of-pocket). Actual costs vary by coverage type: employer-sponsored, ACA marketplace, or uninsured.
About bill and account collectors
Sponsored links, AffordMap may earn a commission at no cost to you. Learn more
What this looks like in Elmira
Pay for bill and account collectors in Elmira runs about 14% below the U.S. median of $47K. The catch: housing math doesn't keep up. A 2-bedroom at the HUD median rents for $1,283/month, which is 46.8% of the median worker's take-home, past the 30% guideline most planners use. Regional Price Parity sits at 94.4 (national = 100), meaning everyday costs run about 6% cheaper here. Your dollar stretches further than the headline salary suggests. That combination, below-market pay with high housing costs, makes this a financially demanding market for bill and account collectorss.
Compared to nearby metros
Median pay for bill and account collectors in metros near Elmira, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| New York-Newark-Jersey City | $54K | $48K |
| Buffalo-Cheektowaga | $40K | $42K |
| Rochester | $43K | $44K |
| Albany-Schenectady-Troy | $49K | $49K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Elmira, NY
Entry-level bill and account collectors (10th percentile) start around $33K. Mid-career wages sit at $40K. Top earners bring in $58K or more, a $25K spread from bottom to top.
Bill and Account Collectors pay across states
Median income ranked highest to lowest, compared to the national figure
View Bill and Account Collectors salary in all states
| State | Median salary | vs. national | Employment |
|---|---|---|---|
| District of Columbia | $62K | +32% | 240 |
| Alaska | $61K | +29% | 310 |
| Massachusetts | $60K | +27% | 2,510 |
| Connecticut | $58K | +23% | 900 |
| California | $58K | +23% | 13,880 |
| Vermont | $58K | +23% | 80 |
| Hawaii | $54K | +14% | 180 |
| New Jersey | $53K | +12% | 3,310 |
| Rhode Island | $52K | +11% | 370 |
| Oregon | $51K | +8% | 830 |
| Colorado | $50K | +7% | 1,670 |
| Maryland | $50K | +6% | 2,090 |
| Minnesota | $50K | +5% | 2,860 |
| Wisconsin | $49K | +4% | 2,570 |
| Maine | $49K | +4% | 410 |
| Nevada | $49K | +4% | 2,350 |
| Washington | $48K | +3% | 2,260 |
| Kentucky | $48K | +3% | 1,740 |
| Illinois | $48K | +2% | 5,080 |
| Arizona | $48K | +2% | 6,300 |
| New York | $47K | +0% | 8,800 |
| Michigan | $47K | +0% | 2,990 |
| Delaware | $47K | -1% | 990 |
| Pennsylvania | $47K | -1% | 6,680 |
| North Dakota | $47K | -1% | 270 |
| South Dakota | $47K | -1% | 1,120 |
| New Mexico | $47K | -1% | 440 |
| Florida | $46K | -1% | 13,180 |
| Georgia | $46K | -2% | 5,280 |
| Ohio | $46K | -2% | 6,620 |
| Iowa | $46K | -2% | 830 |
| Kansas | $46K | -3% | 1,350 |
| Texas | $46K | -3% | 21,720 |
| Montana | $45K | -3% | 640 |
| Utah | $45K | -4% | 2,430 |
| Indiana | $45K | -4% | 2,690 |
| Oklahoma | $45K | -5% | 1,740 |
| New Hampshire | $44K | -5% | 1,120 |
| West Virginia | $44K | -7% | 670 |
| Virginia | $44K | -7% | 4,590 |
| Nebraska | $43K | -8% | 730 |
| South Carolina | $43K | -8% | 4,430 |
| North Carolina | $43K | -9% | 5,460 |
| Wyoming | $42K | -10% | 180 |
| Idaho | $42K | -11% | 510 |
| Missouri | $42K | -11% | 3,770 |
| Tennessee | $41K | -13% | 3,890 |
| Alabama | $40K | -14% | 2,090 |
| Louisiana | $39K | -17% | 1,690 |
| Arkansas | $39K | -17% | 850 |
| Mississippi | $38K | -20% | 1,150 |
Showing 1–10 of 51 states
Track bill and account collectors salary changes
BLS updates this data quarterly. We'll email you when Elmira numbers change.
Related careers in Office & Admin
Frequently asked questions
Can a bill and account collector afford a 2BR apartment alone in Elmira?
It’s a stretch — at the median salary of $40K, rent takes 46.8% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,283/month. The 30% guideline puts the comfortable ceiling at roughly $800/month in rent — so roommates or a 1-bedroom would ease the math significantly.
What’s the entry-level salary for bill and account collectors in Elmira?
The 10th-percentile wage — what new bill and account collectors typically earn — is $33K/year. Take-home on that works out to about $1,988/month. At HUD’s $1,283/month FMR, rent would take 65% of that take-home — above the 30% guideline, so a 1-bedroom or shared housing is likely necessary starting out.
Is bill and account collector a high-paying job in Elmira?
Local pay runs 14% below the national median — $40K here vs. $47K nationally. Cost of living is 6% below the national average, which narrows that gap in real purchasing power.
How does Elmira compare to the national average for bill and account collectors?
Elmira pays $40K median vs. the U.S. average of $47K — that’s -14%. After adjusting for local cost of living (RPP 94.4), the purchasing-power equivalent is $43K — below the national median.
How much do bill and account collectors make in Elmira, NY?
The median is $40,450 a year, that works out to about $19 an hour. But the range is wide: entry-level workers start around $33,130, and experienced bill and account collectors can clear $57,880. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $40K enough to live in Elmira?
On that salary, you'd take home roughly $2,743/month after taxes. A 2-bedroom here rents for about $1,283/month, which eats 46.8% of your paycheck. That's above the 30% rule of thumb, housing will be a stretch at the median salary, though you can manage with roommates or a smaller place.
How far does a bill and account collectors salary go in Elmira?
Elmira has a Regional Price Parity of 94.4 (100 is the national average). That's below average, your money stretches further here than the raw salary number suggests. After cost-of-living adjustment, the median bill and account collectors salary is worth about $42,850 in national-average purchasing power.
Where do bill and account collectors get paid the most?
The table above ranks every state by median pay for this role. Keep in mind that the highest-paying states tend to have the highest costs of living, so the top salary doesn't always mean the most money in your pocket.