Bill and Account Collectors Salary
In Lakeland-Winter Haven, FL, bill and account collectors earn $44,110 at the median, or about $21.21 an hour. The range runs from $34K at the entry level to $60K for experienced workers. Adjusted for local prices (RPP 97.14), that's roughly $45,409 in purchasing power. A 2-bedroom apartment runs $1,497/month, about 47.2% of take-home, which is tight.
So what does $44K get you in Lakeland-Winter Haven?
Groceries, utilities, transportation, and healthcare scaled from national averages by Lakeland-Winter Haven’s Regional Price Parity (97.14). 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 Lakeland-Winter Haven
Bill and account collectors pay in Lakeland-Winter Haven tracks closely to the national median, $44K locally vs. $47K nationwide, a 6% difference. The catch: housing math doesn't keep up. A 2-bedroom at the HUD median rents for $1,497/month, which is 47.9% of the median worker's take-home, past the 30% guideline most planners use. Cost of living (RPP 97.14) is near the national average, so spending patterns here track the typical American budget fairly closely. Use the affordability calculator above to model your specific situation.
Compared to nearby metros
Median pay for bill and account collectors in metros near Lakeland-Winter Haven, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Miami-Fort Lauderdale-West Palm Beach | $47K | $41K |
| Tampa-St. Petersburg-Clearwater | $49K | $49K |
| Orlando-Kissimmee-Sanford | $47K | $47K |
| Jacksonville | $47K | $47K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Lakeland-Winter Haven, FL
Entry-level bill and account collectors (10th percentile) start around $34K. Mid-career wages sit at $44K. Top earners bring in $60K 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 |
| 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 Lakeland-Winter Haven?
It’s a stretch — at the median salary of $44K, rent takes 47.9% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,497/month. The 30% guideline puts the comfortable ceiling at roughly $900/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 Lakeland-Winter Haven?
The 10th-percentile wage — what new bill and account collectors typically earn — is $34K/year. Take-home on that works out to about $2,069/month. At HUD’s $1,497/month FMR, rent would take 72% 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 Lakeland-Winter Haven?
Pay here is roughly in line with the national average — $44K locally vs. $47K nationally, a 6% difference.
How does Lakeland-Winter Haven compare to the national average for bill and account collectors?
Lakeland-Winter Haven pays $44K median vs. the U.S. average of $47K — that’s -6%. After adjusting for local cost of living (RPP 97.14), the purchasing-power equivalent is $45K — below the national median.
How much do bill and account collectors make in Lakeland-Winter Haven, FL?
The median is $44,110 a year, that works out to about $21 an hour. But the range is wide: entry-level workers start around $34,480, and experienced bill and account collectors can clear $59,780. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $44K enough to live in Lakeland-Winter Haven?
On that salary, you'd take home roughly $3,123/month after taxes. A 2-bedroom here rents for about $1,497/month, which eats 47.9% 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 Lakeland-Winter Haven?
Lakeland-Winter Haven has a Regional Price Parity of 97.14 (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 $45,409 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.