AR Collections Representative Salary in the United States

How much does an AR Collections Representative make in the United States?

As of January 01, 2026, the average salary for an AR Collections Representative in the United States is $39,091 per year, which breaks down to an hourly rate of $19.

However, an AR Collections Representative's salary can vary significantly. Here’s a look at the typical salary range:

  • Top Earners (90th percentile): $44,141
  • Majority Range (25th-75th percentile): $35,852 to $41,735
  • Entry-Level (10th percentile): $32,902
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View as table View as graph 25% $35,852 10% $32,902 90% $44,141 75% $41,735 $39,091 50%(Median) Didn’t find job title? Click

AR Collections Representative Salaries by Percentile

Annual
Salary
Monthly
Pay
Weekly
Pay
Hourly
Wage
75th Percentile $41,735 $3,478 $803 $20
Average $39,091 $3,258 $752 $19
25th Percentile $35,852 $2,988 $689 $17
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Key Factors That Influence AR Collections Representative Salaries

An AR Collections Representative's salary isn't a fixed number. It's shaped by several important factors. Below, we'll explore how your years of experience, geographic location, education and company size can directly affect your earning potential.

How Experience Level Affects AR Collections Representative Salaries?

Experience is a primary driver of an AR Collections Representative's salary. As you build your skills and take on more complex tasks, your compensation generally increases. Here's how the average salary grows at different career stages:

  • Entry-Level (less than 1 year): $37,608
  • Early Career (1-2 years): $38,724
  • Mid-Level (2-4 years): $40,229
  • Senior-Level (5-8 years): $40,450
  • Expert (over 8 years): $40,560
Levels Salary
Entry Level AR Collections Representative$37,608
Intermediate Level AR Collections Representative$38,724
Senior Level AR Collections Representative$40,229
Specialist Level AR Collections Representative$40,450
Expert Level AR Collections Representative$40,560
$37,608 0 yr
$38,724 < 2 yrs
$40,229 2-4 yrs
$40,450 5-8 yrs
$40,560 > 8 yrs
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What Am I Worth?

How Do AR Collections Representative Salaries Vary from State to State?

Your salary can change significantly depending on where you work. States with a higher cost of living and strong industrial sectors often pay more to attract AR Collections Representatives. For example, consider the average annual salaries in these key locations:

  • District of Columbia: $43,282.
  • California: $43,118.
  • Massachusetts: $42,543.

Top Paying Cities for AR Collections Representatives

Salaries can also vary between different cities. Major metropolitan areas or cities with a high demand for technicians often offer more competitive pay. Here are a few examples of average annual salaries in different U.S. cities:

  • San Jose: $49,306
  • San Francisco: $48,821
  • Oakland: $47,738

What Skills Can Increase an AR Collections Representative's Salary?

Demanded Skills for the Role:

  • Customer Service (Mentioned in 17.84% Job Postings): Customer service is the provision of service to customers before, during and after a purchase. The perception of success of such interactions is dependent on employees "who can adjust themselves to the personality of the guest". Customer service concerns the priority an organization assigns to customer service relative to components such as product innovation and pricing. In this sense, an organization that values good customer service may spend more money in training employees than the average organization or may proactively interview customers for feedback. From the point of view of an overall sales process engineering effort, customer service plays an important role in an organization's ability to generate income and revenue. From that perspective, customer service should be included as part of an overall approach to systematic improvement. One good customer service experience can change the entire perception a customer holds towards the organization.
  • Credit Card (Mentioned in 2.74% Job Postings): A credit card is a type of credit facility, provided by banks that allow customers to borrow funds within a pre-approved credit limit.
  • HIPAA (Mentioned in 1.1% Job Postings): The Health Insurance Portability and Accountability Act of 1996 is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patient's consent or knowledge.
See More Skills
Skills Demand Percentage
Customer Service 17.84%
Credit Card 2.74%
HIPAA 1.1%
What skills can make your compensation higher?
Mastering certain specialized skills can lead to a significant increase in pay. Here are examples of skills and the potential impact they can have on an AR Collections Representative's salary.
  • Time Management: Can increase your salary by up to 14%.
  • Accounting: Can increase your salary by up to 12%.
  • Flexibility: Can increase your salary by up to 11%.
Skill Salary Salary % Increase
Time Management
$44,564
14%
Accounting
$43,782
12%
Flexibility
$43,391
11%
Collaboration
$42,609
9%
Analysis
$42,609
9%
Billing
$41,828
7%
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How Education impacts an AR Collections Representative's Salary?

Your level of education can impact your salary potential. While many AR Collections Representatives enter the field with a High School Diploma or Technical Certificate degree, higher education can lead to more specialized and higher-paying roles.

According to our 100% employer-reported salary data, the median salary for an AR Collections Representative with a High School Diploma or Technical Certificate is between $39,494 and $42,021).

AR Collections Representative Salaries by Degree Level

Typical Education for AR Collections Representative
Degree Level % of user with this level of education
No Diploma 2.6%
High School 42.1%
Associates 25.0%
Bachelors 23.7%
Masters 6.6%
Doctorate 0.0%
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AR Collections Representative Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how an AR Collections Representative's annual salary breaks down can help with budgeting. Below, you can see the average hourly rate, weekly pay, and monthly pay for this role. Use the buttons to switch between different pay periods.

Last Updated on January 01, 2026

Salary Trends for AR Collections Representative

Salaries for an AR Collections Representative can change over time, reflecting shifts in market demand and the overall economy. The median salary decreased from $37,265 in 2023 to around $37,065 in 2025, reflecting changes in demand, location, experience, and the wider economy. For a detailed analysis of AR Collections Representative salary trends, .

Average Annual Salary of AR Collections Representative Over Time

2022
$???
2023
$37,265
2024
$37,416
2025
$37,065
2026
$???
2027
$???
Year Average Annual Salary
2022
View More
2023 $37,265
2024 $37,416
2025 $37,065
2026
View More
2027
View More

Most common benefits for AR Collections Representative

Social Security
401(k)
Disability
Healthcare
Pension
Time Off (days)
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Common company salaries for AR Collections Representative

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Where Does Our Salary Data Come From?

Salary.com provides salary estimates, histograms, trends, and comparisons using data from employer job postings and third-party sources.

We offer detailed salary information across multiple percentiles for your reference. (Click here to learn Why the Salary Midpoint Formula Is Crucial for Achieving Pay Equity.)

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