Salary guide
Debt Collector Salary & Pay Scale (2026)
What debt collectors earn per year, per hour and per month, with the full percentile range, the factors that move pay and how to earn more.
The median debt collector salary in the U.S. is $47,030 per year, or $22.61 per hour, based on Bureau of Labor Statistics data for May 2025. The lowest-paid 10% earned under $34,400, while the top 10% earned more than $65,580.
Pay data: BLS OEWS, May 2025 · Outlook: BLS 2025–35 · Checked October 15, 2026
Debt Collector pay scale
| Percentile | Annual | Hourly* | What it usually reflects |
|---|---|---|---|
| 10th percentile | $34,400 | $16.54 | Typical for new workers, part-time markets and lower-paying settings |
| 25th percentile | $39,010 | $18.75 | Early career, a year or two of experience |
| Median (50th) | $47,030 | $22.61 | Mid-career: half earn more, half earn less |
| 75th percentile | $56,740 | $27.28 | Experienced workers, specialists and higher-paying employers |
| 90th percentile | $65,580 | $31.53 | Top earners: senior, specialized, supervisory or high-cost areas |
*Hourly figures are annual wages divided by 2,080 hours. Percentile descriptions are general patterns, not guarantees.
Monthly and biweekly pay
| Pay period | At 25th percentile | At median | At 75th percentile |
|---|---|---|---|
| Per year | $39,010 | $47,030 | $56,740 |
| Per month | $3,251 | $3,919 | $4,728 |
| Every two weeks | $1,500 | $1,809 | $2,182 |
| Per week | $750 | $904 | $1,091 |
Gross pay before taxes and deductions.
What affects debt collector pay
- Industry and company size
- Professional credentials (CPA, PMP, SHRM-CP, paralegal certificates)
- Software skills such as Excel, QuickBooks, CRM and HR systems
- Remote or hybrid roles tied to higher-cost labor markets
- Geography and cost of living: metropolitan areas and some states pay well above the national median
How to earn more as a debt collector
- Get credentialed: Professional Collector Certification, FDCPA training, State collector license.
- Build specialty experience: Complex accounts.
- Move up: roles such as collections supervisor and collections manager typically pay more.
- Negotiate: research local pay and use our salary negotiation guide.
Debt Collector pay vs. related careers
Job outlook
BLS projects employment of debt collectors to change by -10.4% from 2025–35, a projected decline compared with the 3.5% average for all occupations. About 11,200 openings are projected each year, on average, including openings to replace workers who retire or change occupations.
About this data
Figures come from the BLS Occupational Employment and Wage Statistics survey (May 2025), which covers wage and salary workers nationwide under SOC code 43-3011 (“Bill and account collectors”). Wages exclude self-employment income, overtime and most bonuses unless they are part of regular pay. We refresh these numbers when BLS releases new estimates each spring.
Debt Collector salary FAQ
How much does a debt collector make per hour?
The median hourly wage for debt collectors was $22.61 in May 2025 (BLS). Hourly pay for the lowest 10% was about $16.54 and the top 10% earned about $31.53 or more.
How much does a debt collector make a month?
At the median annual wage of $47,030, that works out to about $3,919 per month before taxes, or about $1,809 every two weeks.
What is the starting salary for a debt collector?
New debt collectors often start near the lower end of the range. The 10th percentile was $34,400 and the 25th percentile was $39,010 per year in May 2025. Starting pay depends on location, employer and credentials.
How can debt collectors earn more?
Common ways include earning Professional Collector Certification and FDCPA training, gaining specialty experience, taking shifts or roles with premium pay, and moving up the career ladder to roles such as collections supervisor.
Sources
- U.S. Bureau of Labor Statistics, BLS Occupational Employment and Wage Statistics (OEWS), May 2025, SOC 43-3011 (Bill and account collectors).
- U.S. Bureau of Labor Statistics, BLS Employment Projections, Table 1.2 (2025–35).
- O*NET OnLine summary for Bill and account collectors (U.S. Department of Labor).
- BLS Occupational Outlook Handbook.
Reviewed by the Career Education Institute Curriculum Team. Pay figures are national estimates; local pay varies. See our editorial policy.