Associate Collections Specialist Salary in the United States

How much does an Associate Collections Specialist make in the United States?

As of July 01, 2026, the average salary for an Associate Collections Specialist in the United States is $41,161 per year, which breaks down to an hourly rate of $20.

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

  • Top Earners (90th percentile): $46,518
  • Majority Range (25th-75th percentile): $37,756 to $43,965
  • Entry-Level (10th percentile): $34,656
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View as table View as graph 25% $37,756 10% $34,656 90% $46,518 75% $43,965 $41,161 50%(Median) Didn’t find job title? Click

Associate Collections Specialist Salaries by Percentile

Annual
Salary
Monthly
Pay
Weekly
Pay
Hourly
Wage
75th Percentile $43,965 $3,664 $845 $21
Average $41,161 $3,430 $792 $20
25th Percentile $37,756 $3,146 $726 $18
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Key Factors That Influence Associate Collections Specialist Salaries

An Associate Collections Specialist'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 Associate Collections Specialist Salaries?

Experience is a primary driver of an Associate Collections Specialist'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): $40,577
  • Early Career (1-2 years): $45,207
  • Mid-Level (2-4 years): $50,027
  • Senior-Level (5-8 years): $69,610
  • Expert (over 8 years): $243,431
Levels Salary
Associate... Level Associate Collections Specialist$40,577
Collectio... Level Associate Collections Specialist$45,207
Collectio... Level Associate Collections Specialist$50,027
Collectio... Level Associate Collections Specialist$69,610
VP of Col... Level Associate Collections Specialist$243,431
$40,577 0 yr
$45,207 < 2 yrs
$50,027 2-4 yrs
$69,610 5-8 yrs
$243,431 > 8 yrs
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What Am I Worth?

How Do Associate Collections Specialist 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 Associate Collections Specialists. For example, consider the average annual salaries in these key locations:

  • District of Columbia: $45,573.
  • California: $45,401.
  • Massachusetts: $44,796.

Top Paying Cities for Associate Collections Specialists

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: $51,916
  • San Francisco: $51,348
  • Oakland: $50,266

What Skills Can Increase an Associate Collections Specialist'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 Associate Collections Specialist'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
$46,924
14%
Accounting
$46,100
12%
Flexibility
$45,689
11%
Collaboration
$44,865
9%
Analysis
$44,865
9%
Billing
$44,042
7%
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Associate Collections Specialist Salary by Industry: Top Paying Sectors

For Associate Collections Specialist roles, the industry you choose can affect earning potential by as much as 60% (the gap between the highest and lowest paying industries). Data shows that the Financial Services and Pharmaceuticals sectors offer the strongest compensation, at 30% above the average. In contrast, Associate Collections Specialist positions in Edu., Gov't. & Nonprofit or Hospitality & Leisure typically offer lower base pay, as these industries often view Associate Collections Specialist as a support function rather than a direct revenue driver.

The top paying industries for an Associate Collections Specialist

Industry Sector Average Annual Salary Average Hourly Rate Pay vs.Avg
Financial Services$53,509$26.030%
Pharmaceuticals$51,451$25.025%
Software & Networking$49,393$24.020%
Biotechnology$47,335$23.015%
Internet$47,335$23.015%

How Education impacts an Associate Collections Specialist's Salary?

Your level of education can impact your salary potential. While many Associate Collections Specialists 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 Associate Collections Specialist with a High School Diploma or Technical Certificate is between $39,494 and $42,021).

Associate Collections Specialist Salaries by Degree Level

Typical Education for Associate Collections Specialist
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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Associate Collections Specialist Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how an Associate Collections Specialist'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 July 01, 2026

Salary Trends for Associate Collections Specialist

Salaries for an Associate Collections Specialist can change over time, reflecting shifts in market demand and the overall economy. The median salary decreased from $39,261 in 2023 to around $39,050 in 2025, reflecting changes in demand, location, experience, and the wider economy. For a detailed analysis of Associate Collections Specialist salary trends, .

Average Annual Salary of Associate Collections Specialist Over Time

2022
$???
2023
$39,261
2024
$39,420
2025
$39,050
2026
$???
2027
$???
Year Average Annual Salary
2022
View More
2023 $39,261
2024 $39,420
2025 $39,050
2026
View More
2027
View More

Most common benefits for Associate Collections Specialist

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

Here are companies hiring for Associate Collections Specialist and their salaries, click below for more details.

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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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