What are the main factors that influence a Collection Officer's salary?

The primary factors are: 1) Experience Level, 2) Geographic Location, 3) Education/Skills, 4) Company Size & Industry

What industry pays the highest salary for Collection Officer?

The Construction industry offers the highest average compensation for Collection Officer roles, with salaries approximately 25% above the market median.

How does experience change A Collection Officer's salary?

A Collection Officer's salary grows with experience: a Collections Representative I (0-1 years)earns $38,625, a Collection Officer (1-3 years)earns $43,031, a Collections Representative III (3-5 years)earns $47,620, a Collections Supervisor (5+ years)earns $66,260, a VP of Collections (5+ years)earns $231,718,

What are the highest paying states for a Collection Officer?

Collection Officer salary varies significantly by state. The top 3 highest paying states for Collection Officer roles are District of Columbia $48,031, California $47,849, Massachusetts $47,211. These tech hubs typically pay 10-15% above the national average.

How much do different types of Collection Officer roles make?

Salaries for Collection Officer level roles vary by specialization: Collection Manager: $110,501; Collection Attorney: $101,371; Collection Coordinator: $81,429; Collection Paralegal: $80,216; Collection Supervisor: $74,201.

How do different companies affect a Collection Officer's salary?

Company size, industry, and compensation structure create significant salary variations for Collection Officer roles. Large, established industry leaders like C R Bard Inc ($128,509) and Henry Schein Canada ($124,697) offer base salaries 35-40% above the national average. In contrast, smaller firms or startups may offer closer to $82,041.

Collection Officer Salary in the United States

How much does a Collection Officer make in the United States?

As of July 01, 2026, the average salary for a Collection Officer in the United States is $43,381 per year, which breaks down to an hourly rate of $21.

However, a Collection Officer's salary can vary significantly. Here’s a look at the typical salary range:

Top Earners (90th percentile): $52,453
Majority Range (25th-75th percentile): $39,410 to $48,130
Entry-Level (10th percentile): $35,794

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Collection Officer Salaries by Percentile

	Annual Salary	Monthly Pay	Weekly Pay	Hourly Wage
75th Percentile	$48,130	$4,011	$926	$23
Average	$43,381	$3,615	$834	$21
25th Percentile	$39,410	$3,284	$758	$19

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Key Factors That Influence Collection Officer Salaries

A Collection Officer'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 Collection Officer Salaries?

Experience is a primary driver of a Collection Officer'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): $38,625
Early Career (1-2 years): $43,031
Mid-Level (2-4 years): $47,620
Senior-Level (5-8 years): $66,260
Expert (over 8 years): $231,718

Levels	Salary
Collectio... Level Collection Officer	$38,625
Collectio... Level Collection Officer	$43,031
Collectio... Level Collection Officer	$47,620
Collectio... Level Collection Officer	$66,260
VP of Col... Level Collection Officer	$231,718

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What Am I Worth?

How Do Collection Officer 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 Collection Officers. For example, consider the average annual salaries in these key locations:

District of Columbia: $48,031.
California: $47,849.
Massachusetts: $47,211.

District of Columbia $48,031 California $47,849 Massachusetts $47,211 Washington $47,038 New Jersey $47,020 Alaska $46,959 Connecticut $46,361 New York $46,118

Hawaii $45,341 Rhode Island $44,977 Maryland $44,730 Minnesota $44,391 Colorado $44,261 Illinois $44,218 Oregon $44,053 Delaware $43,932

New Hampshire $43,855 Virginia $43,684 Pennsylvania $43,185 Nevada $42,934 North Dakota $42,851 Michigan $42,721 Wisconsin $42,673 Vermont $42,578

Texas $42,313 Maine $42,296 Arizona $42,270 Ohio $42,240 Georgia $41,841 Indiana $41,641 Wyoming $41,602 Utah $41,541

Iowa $41,515 Kansas $41,307 Louisiana $41,246 North Carolina $41,225 Missouri $41,216 Florida $41,047 Montana $40,956 Nebraska $40,869

Kentucky $40,821 South Carolina $40,648 Tennessee $40,539 Idaho $40,496 New Mexico $40,179 Oklahoma $40,110 Alabama $39,854 South Dakota $39,424

Arkansas $39,190 West Virginia $39,064 Mississippi $38,687

Top Paying Cities for Collection Officers

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: $54,716
San Francisco: $54,117
Oakland: $52,976

San Jose, CA $54,716

San Francisco, CA $54,117

Oakland, CA $52,976

New York, NY $49,948

Paramus, NJ $49,341

Queens Village, NY $49,338

Passaic, NJ $49,297

Bergenfield, NJ $49,293

Stamford, CT $49,198

Huntington, NY $49,180

Newark, NJ $48,860

Bridgeport, CT $48,768

Vallejo, CA $48,682

New Brunswick, NJ $48,664

Petaluma, CA $48,638

Middlesex, NJ $48,556

Somerset, NJ $48,526

Santa Cruz, CA $48,469

Boston, MA $48,205

Monterey, CA $48,052

Seattle, WA $47,953

Santa Rosa, CA $47,944

Los Angeles, CA $47,931

Juneau, AK $47,818

Washington, DC $47,771

Orange, CA $47,616

Santa Ana, CA $47,502

Long Beach, CA $47,458

Anaheim, CA $47,450

Anchorage, AK $47,428

Santa Maria, CA $47,298

Everett, WA $47,289

Danbury, CT $47,136

Bremerton, WA $47,077

Tacoma, WA $46,920

New Suffolk, NY $46,920

Sacramento, CA $46,907

Santa Barbara, CA $46,860

Trenton, NJ $46,812

San Diego, CA $46,812

Brockton, MA $46,764

Fairbanks, AK $46,658

Lompoc, CA $46,547

Lowell, MA $46,512

Ventura, CA $46,504

Nashua, NH $46,495

Stockton, CA $46,491

Modesto, CA $46,174

Poughkeepsie, NY $46,079

Olympia, WA $45,996

Kennewick, WA $45,996

New Haven, CT $45,979

Lawrence, MA $45,823

Hartford, CT $45,780

Riverside, CA $45,771

New Bedford, MA $45,727

Richland, WA $45,727

Bakersfield, CA $45,667

San Bernardino, CA $45,649

New Britain, CT $45,645

Atlantic City, NJ $45,645

New London, CT $45,628

Norwich, CT $45,615

Portsmouth, NH $45,606

Boulder, CO $45,514

Portland, OR $45,454

Worcester, MA $45,450

Minneapolis, MN $45,315

Philadelphia, PA $45,255

Honolulu, HI $45,111

Saint Paul, MN $45,091

Vineland, NJ $45,081

Providence, RI $44,955

Chicago, IL $44,830

Bellingham, WA $44,777

Springfield, MA $44,743

Baltimore, MD $44,730

Chico, CA $44,621

Pittsfield, MA $44,504

Manchester, NH $44,422

Spokane, WA $44,231

Denver, CO $44,227

Albany, NY $44,023

Troy, NY $44,005

Nassau, NY $43,959

Schenectady, NY $43,914

Wilmington, DE $43,879

Burlington, VT $43,819

Salem, OR $43,801

Portland, ME $43,667

Yakima, WA $43,624

Rochester, MN $43,489

Reno, NV $43,467

Fresno, CA $43,467

Milwaukee, WI $43,428

Detroit, MI $43,385

Ann Arbor, MI $43,378

Allentown, PA $43,372

Colorado Springs, CO $43,298

Syracuse, NY $43,276

Carson City, NV $43,276

Houston, TX $43,216

Eugene, OR $43,194

Gary, IN $43,142

Springfield, OR $43,107

Bismarck, ND $43,099

Galveston, TX $43,068

Medford, OR $43,003

Fort Collins, CO $42,986

Concord, NH $42,964

Austin, TX $42,951

Mesa, AZ $42,860

Reading, PA $42,856

Phoenix, AZ $42,851

Dallas, TX $42,838

Saint Cloud, MN $42,797

Madison, WI $42,739

Utica, NY $42,621

Rochester, NY $42,552

Des Moines, IA $42,548

Raleigh, NC $42,543

Atlanta, GA $42,478

Battle Creek, MI $42,465

Salt Lake City, UT $42,452

Lancaster, PA $42,387

Harrisburg, PA $42,326

Kansas City, MO $42,283

Champaign, IL $42,274

Kansas City, KS $42,274

Fort Worth, TX $42,270

Columbus, OH $42,263

Boca Raton, FL $42,253

Pittsburgh, PA $42,235

Richmond, VA $42,218

Indianapolis, IN $42,209

Cleveland, OH $42,205

Las Vegas, NV $42,153

Cincinnati, OH $42,153

Petersburg, VA $42,088

Huntsville, AL $42,023

Lansing, MI $41,994

Lebanon, PA $41,988

Pueblo, CO $41,984

Appleton, WI $41,971

Buffalo, NY $41,953

Dayton, OH $41,940

Racine, WI $41,932

Charlotte, NC $41,927

Saint Louis, MO $41,914

York, PA $41,888

Elkhart, IN $41,888

Gastonia, NC $41,880

Billings, MT $41,870

Beaumont, TX $41,858

Lorain, OH $41,849

Benton Harbor, MI $41,841

Toledo, OH $41,832

Binghamton, NY $41,810

Rock Hill, SC $41,806

Rockford, IL $41,784

Springfield, IL $41,767

Elyria, OH $41,763

Fargo, ND $41,763

Flagstaff, AZ $41,732

Fort Lauderdale, FL $41,706

Duluth, MN $41,680

Miami, FL $41,680

Cheyenne, WY $41,650

Grand Forks, ND $41,650

Bangor, ME $41,554

Cedar Rapids, IA $41,507

Durham, NC $41,488

Louisville, KY $41,485

Grand Rapids, MI $41,476

Hialeah, FL $41,472

Casper, WY $41,411

Scranton, PA $41,359

New Orleans, LA $41,346

Virginia Beach, VA $41,342

Akron, OH $41,320

Peoria, IL $41,264

Sarasota, FL $41,255

Nashville, TN $41,225

Omaha, NE $41,225

Green Bay, WI $41,225

Baton Rouge, LA $41,203

Charleston, SC $41,194

Jamestown, NY $41,173

Davenport, IA $41,173

Tucson, AZ $41,151

Saint Petersburg, FL $41,125

Tampa, FL $41,116

Evansville, IN $41,090

Port Arthur, TX $41,090

Bradenton, FL $41,073

Santa Fe, NM $40,995

Orlando, FL $40,917

Clearwater, FL $40,904

Canton, OH $40,812

La Crosse, WI $40,812

Albuquerque, NM $40,786

Newport News, VA $40,782

High Point, NC $40,769

Ogden, UT $40,752

Corpus Christi, TX $40,717

Norfolk, VA $40,691

Laramie, WY $40,691

Rock Island, IL $40,665

Saginaw, MI $40,656

Jacksonville, FL $40,652

Salisbury, NC $40,643

Boise, ID $40,635

Moline, IL $40,613

Fort Myers, FL $40,600

Memphis, TN $40,591

Tulsa, OK $40,570

Waterloo, IA $40,544

Spartanburg, SC $40,500

Lincoln, NE $40,478

Fort Wayne, IN $40,470

Provo, UT $40,465

Cedar Falls, IA $40,413

San Antonio, TX $40,396

Greensboro, NC $40,379

South Bend, IN $40,374

Savannah, GA $40,327

Muskegon, MI $40,309

Birmingham, AL $40,305

Winston Salem, NC $40,284

Lake Charles, LA $40,179

Anderson, IN $40,170

Lexington, KY $40,157

Augusta, GA $40,144

Greenville, SC $40,144

Lima, OH $40,110

Wichita, KS $40,105

Tuscaloosa, AL $40,105

Columbia, SC $40,066

Springfield, OH $40,058

Asheville, NC $39,988

Bloomington, IN $39,958

Knoxville, TN $39,802

Shreveport, LA $39,797

Wilmington, NC $39,741

Roanoke, VA $39,741

Topeka, KS $39,663

Frankfort, KY $39,658

Oklahoma City, OK $39,628

Chillicothe, OH $39,611

Longview, TX $39,606

Melbourne, FL $39,602

Sioux Falls, SD $39,533

Mobile, AL $39,528

Terre Haute, IN $39,511

Altoona, PA $39,485

Amarillo, TX $39,455

Killeen, TX $39,442

Fayetteville, AR $39,407

Chattanooga, TN $39,394

Sioux City, IA $39,355

Idaho Falls, ID $39,346

Lynchburg, VA $39,311

Gainesville, FL $39,255

Portsmouth, OH $39,233

Little Rock, AR $39,225

Lafayette, LA $39,207

Youngstown, OH $39,207

Daytona Beach, FL $39,181

Clarksville, TN $39,177

Pensacola, FL $39,173

Temple, TX $39,170

Hopkinsville, KY $39,043

Erie, PA $39,034

Florence, SC $39,017

Charleston, WV $38,947

Great Falls, MT $38,925

Macon, GA $38,865

Tallahassee, FL $38,860

Fayetteville, NC $38,852

Waco, TX $38,843

Helena, MT $38,813

Pine Bluff, AR $38,796

Vincennes, IN $38,743

Lubbock, TX $38,726

Alamogordo, NM $38,700

Twin Falls, ID $38,661

Rapid City, SD $38,648

Jackson, MS $38,570

Huntington, WV $38,567

Greenville, MS $38,565

Parkersburg, WV $38,521

Montgomery, AL $38,513

Wichita Falls, TX $38,470

Springfield, MO $38,470

Biloxi, MS $38,448

Monroe, LA $38,405

Johnstown, PA $38,374

Sumter, SC $38,357

Columbus, GA $38,353

Pascagoula, MS $38,270

Abilene, TX $38,270

Kingsport, TN $38,158

Albany, GA $38,158

Gulfport, MS $38,145

Alexandria, LA $38,001

Fort Smith, AR $37,893

El Paso, TX $37,776

Las Cruces, NM $37,581

Harlingen, TX $37,470

Pocatello, ID $37,463

Florence, AL $37,407

Brownsville, TX $37,398

Mcallen, TX $37,307

Dothan, AL $37,247

Columbus, MS $36,989

Altus, OK $36,787

Lawton, OK $36,704

Pierre, SD $36,548

What Skills Can Increase a Collection Officer's Salary?

Demanded Skills for the Role:

Customer Service (Mentioned in 18.42% 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.
Microsoft Office (Mentioned in 3.57% Job Postings): Microsoft Office is a suite of desktop productivity applications that is designed by Microsoft for business use. You can create documents containing text and images, work with data in spreadsheets and databases, create presentations and posters.
Bankruptcy (Mentioned in 1.28% Job Postings): Bankruptcy helps people who can no longer pay their debts get a fresh start by liquidating assets to pay their debts or by creating a repayment plan.

See More Skills

Skills	Demand Percentage
Customer Service	18.42%
Microsoft Office	3.57%
Bankruptcy	1.28%

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 a Collection Officer's salary.

Analysis: Can increase your salary by up to 11%.
Leadership: Can increase your salary by up to 8%.
Financial Services: Can increase your salary by up to 6%.

Skill	Salary	Salary % Increase
Analysis	$48,152	11%
Leadership	$46,851	8%
Financial Services	$45,983	6%
Commitment	$45,116	4%
Accounting	$44,682	3%
Initiative	$44,682	3%

Get Latest Data

Collection Officer Salary by Industry: Top Paying Sectors

For Collection Officer roles, the industry you choose can affect earning potential by as much as 50% (the gap between the highest and lowest paying industries). Data shows that the Construction and Business Services sectors offer the strongest compensation, at 25% above the average. In contrast, Collection Officer positions in Media or Retail & Wholesale typically offer lower base pay, as these industries often view Collection Officer as a support function rather than a direct revenue driver.

The top paying industries for a Collection Officer

Industry Sector	Average Annual Salary	Average Hourly Rate	Pay vs.Avg
Construction	$54,226	$26.0	25%
Business Services	$52,057	$25.0	20%
Energy & Utilities	$51,189	$25.0	18%
Biotechnology	$49,888	$24.0	15%
Aerospace & Defense	$48,586	$23.0	12%

How Education impacts a Collection Officer's Salary?

Your level of education can impact your salary potential. While many Collection Officers 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 a Collection Officer with a High School Diploma or Technical Certificate is between $44,531 and $47,456).

Collection Officer Salaries by Degree Level

Typical Education for Collection Officer

No Diploma 5.9%

High School 33.3%

Associates 11.8%

Bachelors 47.1%

Masters 2.0%

Doctorate 0.0%

view as table

Degree Level	% of user with this level of education
No Diploma	5.9%
High School	33.3%
Associates	11.8%
Bachelors	47.1%
Masters	2.0%
Doctorate	0.0%

view as graph

Collection Officer Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how a Collection Officer'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

$39,410

Average $43,381/year

$48,130

$3,284

Average $3,615/month

$4,011

$758

Average $834/week

$926

$19

Average $21/hour

$23

	Annual Salary	Monthly Pay	Weekly Pay	Hourly Wage
75th Percentile	$48,130	$4,011	$926	$23
Average	$43,381	$3,615	$834	$21
25th Percentile	$39,410	$3,284	$758	$19

Salaries of jobs related to Collection Officer

Salary Trends for Collection Officer

Salaries for a Collection Officer can change over time, reflecting shifts in market demand and the overall economy. The median salary increased from $41,616 in 2023 to around $41,861 in 2025, reflecting changes in demand, location, experience, and the wider economy. For a detailed analysis of Collection Officer salary trends, .

Average Annual Salary of Collection Officer Over Time

2022

$???

2023

$41,616

2024

$42,112

2025

$41,861

2026

$???

2027

$???

Year	Average Annual Salary
2022	View More
2023	$41,616
2024	$42,112
2025	$41,861
2026	View More
2027	View More

Most common benefits for Collection Officer

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