Bill and Account Collectors Salary
In Florence-Muscle Shoals, AL, bill and account collectors earn $38,040 at the median, or about $18.29 an hour. The range runs from $29K at the entry level to $49K for experienced workers. Cost of living is below average (RPP 84.82), which stretches that salary to about $44,848 in buying power. A 2-bedroom apartment runs $1,000/month, about 38.5% of take-home, which is tight.
So what does $38K get you in Florence-Muscle Shoals?
Groceries, utilities, transportation, and healthcare scaled from national averages by Florence-Muscle Shoals’s Regional Price Parity (84.82). 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
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What this looks like in Florence-Muscle Shoals
Pay for bill and account collectors in Florence-Muscle Shoals runs about 19% below the U.S. median of $47K. The catch: housing math doesn't keep up. A 2-bedroom at the HUD median rents for $1,000/month, which is 38.9% of the median worker's take-home, past the 30% guideline most planners use. Regional Price Parity sits at 84.82 (national = 100), meaning everyday costs run about 15% 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 Florence-Muscle Shoals, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Birmingham | $43K | $47K |
| Huntsville | $45K | $49K |
| Mobile | $40K | $45K |
| Montgomery | $38K | $43K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Florence-Muscle Shoals, AL
Entry-level bill and account collectors (10th percentile) start around $29K. Mid-career wages sit at $38K. Top earners bring in $49K or more, a $21K 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 |
| North Dakota | $47K | -1% | 270 |
| Pennsylvania | $47K | -1% | 6,680 |
| 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 (all 50 states + DC)
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Frequently asked questions
Can a bill and account collector afford a 2BR apartment alone in Florence-Muscle Shoals?
It’s a stretch — at the median salary of $38K, rent takes 38.9% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,000/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 Florence-Muscle Shoals?
The 10th-percentile wage — what new bill and account collectors typically earn — is $29K/year. Take-home on that works out to about $1,713/month. At HUD’s $1,000/month FMR, rent would take 58% 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 Florence-Muscle Shoals?
Local pay runs 19% below the national median — $38K here vs. $47K nationally. Cost of living is 15% below the national average, which narrows that gap in real purchasing power.
How does Florence-Muscle Shoals compare to the national average for bill and account collectors?
Florence-Muscle Shoals pays $38K median vs. the U.S. average of $47K — that’s -19%. After adjusting for local cost of living (RPP 84.82), the purchasing-power equivalent is $45K — below the national median.
How much do bill and account collectors make in Florence-Muscle Shoals, AL?
The median is $38,040 a year, that works out to about $18 an hour. But the range is wide: entry-level workers start around $28,550, and experienced bill and account collectors can clear $49,290. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $38K enough to live in Florence-Muscle Shoals?
On that salary, you'd take home roughly $2,572/month after taxes. A 2-bedroom here rents for about $1,000/month, which eats 38.9% 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 Florence-Muscle Shoals?
Florence-Muscle Shoals has a Regional Price Parity of 84.82 (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 $44,848 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.