Bill and Account Collector Salary in Philadelphia, PA
Bill and Account Collectors in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro area earn a median $49,110 a year — 4% more than the national median. After 2026 taxes, that is $40,132 take-home, or $3,344 a month.
Take-home pay calculator
Pre-filled with the median bill and account collector salary in Philadelphia, PA. Enter your own offer to see your paycheck.
- Federal income tax$3,713
- Social Security (6.2%)$3,045
- Medicare (1.45%)$712
- Pennsylvania income tax$1,508
- Take-home pay$40,132
Marginal rate: 12% federal + 3.07% state
Living in Philadelphia? City residents also pay Philadelphia’s Resident Wage Tax — about $1,837 a year on this salary — which lowers take-home pay to $38,295 ($3,191 a month). Choose “Philadelphia” under City income tax in the calculator. Suburban residents usually don’t pay it.
The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro spans Pennsylvania, New Jersey, Delaware, Maryland. Pick the state you live in — state income tax follows your residence.
Got an offer somewhere else? Compare it with this one after taxes and rent →
Bill and Account Collector pay by experience in Philadelphia, PA
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $38,100 | $18.32 | $31,624 | $2,635 |
| 25th percentile | $44,290 | $21.29 | $36,407 | $3,034 |
| Median (50th) | $49,110 | $23.61 | $40,132 | $3,344 |
| 75th percentile | $60,210 | $28.95 | $48,710 | $4,059 |
| 90th percentile (top earners) | $70,680 | $33.98 | $56,384 | $4,699 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Pennsylvania resident, 2026 tax rules.
What $49,110 buys in Philadelphia, PA
Prices in Philadelphia, PA are 2.6% higher than the U.S. average (housing costs are 1.13× the national average). Adjusted for local prices, a median bill and account collector's $40,132 take-home pay has the buying power of $39,133 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
Philadelphia, PA has 1.3× the national concentration of bill and account collector jobs — a strong local market for this occupation.
Best-paying cities for bill and account collectors, adjusted for cost of living
Philadelphia, PA ranks #3 of 10 metro areas once taxes and local prices are taken into account.
| # | Metro area | Median salary | Take-home | Real value* |
|---|---|---|---|---|
| 1 | Los Angeles, CA | $57,440 | $46,090 | $40,585 |
| 2 | Dallas, TX | $47,790 | $40,579 | $39,363 |
| 3 | Philadelphia, PA | $49,110 | $40,132 | $39,133 |
| 4 | Atlanta, GA | $48,350 | $39,143 | $39,120 |
| 5 | New York, NY | $54,370 | $43,527 | $38,669 |
| 6 | Houston, TX | $44,670 | $38,072 | $38,602 |
| 7 | Phoenix, AZ | $47,740 | $39,554 | $38,285 |
| 8 | Chicago, IL | $49,390 | $39,565 | $38,192 |
*Take-home pay divided by the BEA price level, so every city is measured in U.S.-average dollars. See all 10 metros →
About the job: bill and account collectors
Locate and notify customers of delinquent accounts by mail, telephone, or personal visit to solicit payment. Duties include receiving payment and posting amount to customer’s account, preparing statements to credit department if customer fails to respond, initiating repossession proceedings or service disconnection, and keeping records of collection and status of accounts.
- Typical education
- High school diploma or equivalent
- Work experience
- None required
- On-the-job training
- Moderate-term on-the-job training
- Job outlook, 2025–35
- -10.4% (declining)
Source: BLS Standard Occupational Classification and Employment Projections, 2025–35.
Frequently asked questions
How much does a bill and account collector make in Philadelphia, PA?
The median bill and account collector salary in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro area is $49,110 a year, or about $23.61 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $44,290 and $60,210.
What is a bill and account collector’s take-home pay in Philadelphia, PA?
On the median $49,110 salary, a single filer living in Pennsylvania takes home about $40,132 a year ($3,344 a month) after federal tax, Social Security, Medicare and $1,508 in Pennsylvania taxes in 2026.
Is Philadelphia, PA a good place to work as a bill and account collector?
Pay here is 4% above the national median of $47,030. Local prices are 2.6% above the U.S. average, so the take-home pay buys what $39,133 would in a typical U.S. city. Philadelphia, PA ranks #3 of 10 metro areas for cost-of-living-adjusted pay in this job.
Can a bill and account collector afford rent in Philadelphia, PA?
HUD’s fair market rent for a one-bedroom in Philadelphia, PA is $1,520 a month ($1,810 for two bedrooms) — 45% of a median bill and account collector’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
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