Bill and Account Collectors Salary
In Toledo, OH, bill and account collectors earn $41,550 at the median, or about $19.98 an hour. The range runs from $31K at the entry level to $62K for experienced workers. Cost of living is below average (RPP 91.45), which stretches that salary to about $45,435 in buying power. A 2-bedroom apartment runs $1,076/month, about 38% of take-home, which is tight.
So what does $42K get you in Toledo?
Groceries, utilities, transportation, and healthcare scaled from national averages by Toledo’s Regional Price Parity (91.45). 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 Toledo
Pay for bill and account collectors in Toledo runs about 12% below the U.S. median of $47K. The catch: housing math doesn't keep up. A 2-bedroom at the HUD median rents for $1,076/month, which is 36.9% of the median worker's take-home, past the 30% guideline most planners use. Regional Price Parity sits at 91.45 (national = 100), meaning everyday costs run about 9% 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 Toledo, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Columbus | $48K | $50K |
| Cleveland | $41K | $43K |
| Cincinnati | $48K | $51K |
| Akron | $41K | $44K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Toledo, OH
Entry-level bill and account collectors (10th percentile) start around $31K. Mid-career wages sit at $42K. Top earners bring in $62K or more, a $31K 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)
Track bill and account collectors salary changes
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Frequently asked questions
Can a bill and account collector afford a 2BR apartment alone in Toledo?
It’s a stretch — at the median salary of $42K, rent takes 36.9% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,076/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 Toledo?
The 10th-percentile wage — what new bill and account collectors typically earn — is $31K/year. Take-home on that works out to about $1,843/month. At HUD’s $1,076/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 Toledo?
Local pay runs 12% below the national median — $42K here vs. $47K nationally. Cost of living is 9% below the national average, which narrows that gap in real purchasing power.
How does Toledo compare to the national average for bill and account collectors?
Toledo pays $42K median vs. the U.S. average of $47K — that’s -12%. After adjusting for local cost of living (RPP 91.45), the purchasing-power equivalent is $45K — below the national median.
How much do bill and account collectors make in Toledo, OH?
The median is $41,550 a year, that works out to about $20 an hour. But the range is wide: entry-level workers start around $30,720, and experienced bill and account collectors can clear $61,710. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $42K enough to live in Toledo?
On that salary, you'd take home roughly $2,916/month after taxes. A 2-bedroom here rents for about $1,076/month, which eats 36.9% 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 Toledo?
Toledo has a Regional Price Parity of 91.45 (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 $45,435 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.