What Medical Records Specialists earn in Bergen County, NJ
If you are weighing a move or a job offer, start with $61,190: the median annual pay for Medical Records Specialists in Bergen County, NJ. Spread over a standard 2,080-hour work year, that is $29.42 an hour. Because the wage survey covers the whole New York-Newark-Jersey City, NY-NJ metropolitan area, the number reflects employers across the region rather than a single town or a single company.
The mean wage is $66,990, which is 9.5% above the median, a sign that a group of high earners lifts the average. The survey counts about 8,090 people working in this occupation across the New York-Newark-Jersey City, NY-NJ metropolitan area, so the estimate rests on a substantial pool of workers. Bergen County, NJ has roughly 962,316 residents, according to the population figures used by the rent data.
The salary range, from entry level to top earners
Pay for Medical Records Specialists in the New York-Newark-Jersey City, NY-NJ metropolitan area is not one number. The lowest-paid tenth of workers earn up to $35,640 a year ($17.13 an hour), while the highest-paid tenth earn $102,600 or more ($49.33 an hour). That is a gap of $66,960 between the bottom and the top of the scale. The middle half of workers falls between $46,900 at the 25th percentile and $81,090 at the 75th percentile. A top-tier earner makes 2.9 times what someone at the bottom makes, so experience, certification and employer all matter.
What the hourly rate looks like
Converted to an hourly wage, the median for Medical Records Specialists in Bergen County, NJ is $29.42. A full-time schedule of 40 hours for 52 weeks adds up to $61,190, and the same salary is $5,099 a month before taxes or about $2,353 per biweekly pay period. After taxes the same job pays $23.78 per hour of take-home income, which is the number that actually has to cover rent and groceries.
About this occupation: Medical Records Specialists
The U.S. Department of Labor's O*NET database describes the work of Medical Records Specialists this way: "Compile, process, and maintain medical records of hospital and clinic patients in a manner consistent with medical, administrative, ethical, legal, and regulatory requirements of the healthcare system. Classify medical and healthcare concepts, including diagnosis, procedures, medical services, and equipment, into the healthcare industry's numerical coding system. Includes medical coders."
Job outlook for Medical Records Specialists
The Bureau of Labor Statistics projects national employment in this occupation to grow from 200,700 jobs in 2025 to 216,300 in 2035, a change of +7.8%, faster than the 3.5% projected for all occupations. The projection counts 14,000 openings a year on average, including positions created by growth and positions left by workers who retire or move to another occupation; that equals 7.0% of current employment each year.
Typical entry-level education: postsecondary nondegree award. BLS lists a national median annual wage of $51,140 for this occupation; the Bergen County, NJ median of $61,190 is 19.7% above it.
How pay in Bergen County, NJ compares
Compared with the New Jersey average
Bergen County, NJ pays above the state benchmark. The New Jersey employment-weighted average for Medical Records Specialists is $57,636; the local median of $61,190 beats it by $3,554, or 6.2%. Within New Jersey, Bergen County, NJ already has the highest median we track for this job.
Compared with the national average
The national employment-weighted average for Medical Records Specialists is $53,198 across the contiguous United States. At $61,190, Bergen County, NJ pays $7,992 more, which is 15.0% above that benchmark. Keep in mind that a higher salary only helps if living costs do not rise faster, which is why the cost sections below matter as much as the headline number.
Where this job ranks in Bergen County, NJ
Among the 671 occupations with published wages in Bergen County, NJ, Medical Records Specialists ranks number 416 by median pay, ahead of about 38% of them. The best-paying occupation we track here is Airline Pilots, Copilots, and Flight Engineers at $335,270 a year, which is $274,080 more than the median for Medical Records Specialists.
From gross pay to take-home pay
A salary of $61,190 does not arrive in full. We model a single filer with wage income only, the standard deduction and tax-year 2025 rules, and we keep the three tax layers apart: federal income tax, FICA (Social Security and Medicare) and state income tax. Together they take $11,728 a year, which leaves $49,462, or $4,122 a month.
Put another way, of every $100 earned, about $19 goes to taxes and $81 reaches the paycheck. The overall effective tax rate is 19.2%.
Federal income tax
After the $15,750 standard deduction, taxable income is $45,440. Federal brackets are marginal, so only the slice of income above each threshold is taxed at the higher rate; the last dollars of this salary fall in the 12% bracket. The resulting federal income tax is $5,214, an effective 8.5% of gross pay, well below the 12% marginal rate because the lower brackets are cheaper.
Social Security and Medicare (FICA)
Payroll taxes are a flat percentage of wages. Social Security takes 6.2% up to a wage base of $176,100, which costs $3,794 on this salary. Medicare takes 1.45%, or $887. FICA totals $4,681, which is 7.7% of gross pay.
State income tax in New Jersey
New Jersey income tax on this salary is $1,833 a year, or 3.0% of gross pay, after the state's own deductions and exemptions are applied. That is 35% of the federal income tax bill, and it comes out to $153 a month. Local taxes such as county or city income taxes are not included, so a few jurisdictions may withhold slightly more.
A cross-check with IRS data for Bergen County, NJ
IRS Statistics of Income data for Bergen County, NJ show an average adjusted gross income of $143,294 per return and an average effective federal income tax rate of 18.5% across all filers. Filers in the $50,000 to under $75,000 bracket, where this salary falls, paid an average of 7.9%, compared with the 8.5% estimated here for a single filer taking the standard deduction. Gaps between the two reflect filing status, dependents, credits and other income, none of which a single-person wage estimate includes.
Cost of living in Bergen County, NJ
Take-home pay only means something next to what life costs. We price four basics for one adult in Bergen County, NJ: a one-bedroom apartment, food, home energy and gasoline. All of them are converted to annual figures first, then compared with the $49,462 of take-home pay.
Rent
The HUD Fair Market Rent for a one-bedroom apartment in Bergen County, NJ is $1,987 a month, or $23,844 a year. A two-bedroom costs $2,282 a month. For Medical Records Specialists, a one-bedroom absorbs 48.2% of take-home pay and 39.0% of gross pay.
Food
The USDA Thrifty Food Plan (August 2026) puts the cost of a nutritious home-cooked diet for an adult at about $3,436 a year, which is $286 a month or $66.07 a week. That equals 5.6% of gross pay for Medical Records Specialists in Bergen County, NJ. It is a thrifty budget with no restaurant meals, so treat it as a floor.
Energy and gasoline
Using New Jersey residential prices from the Energy Information Administration and national household averages for consumption, electricity costs about $2,044 a year and other home energy such as natural gas about $518, for $2,562 in total. Gasoline in New Jersey averages $3.21 per gallon; at about 463 gallons a year (11,106 miles at 24 miles per gallon) fuel adds $1,484.
What is left over
Add the four basics together and living costs come to $31,325 a year, 63% of take-home pay. That leaves $18,136 a year, or $1,511 a month, for savings, transportation beyond fuel, health care, debt and everything else. That margin equals 29.6% of gross pay, a comfortable cushion by common budgeting rules.
Local housing and commute data for Bergen County, NJ
The budget above covers rent, food, energy and gasoline. Three more local facts shape what a paycheck buys in Bergen County, NJ: property taxes, housing prices and the daily commute. The figures below are exact U.S. Census Bureau American Community Survey 2020-2024 5-year estimates for Bergen County, NJ, set beside the New Jersey and national medians.
Property taxes in Bergen County, NJ
Homeowners in Bergen County, NJ pay a median of $10,001 a year in real estate taxes, 4% above the New Jersey median of $9,590 and 221% above the U.S. median of $3,119. Against a median home value of $623,000, the median tax bill is 1.61% of that value (the ratio of the two county medians). For a worker paid the local Medical Records Specialists median of $61,190, a tax bill of that size would equal 16.3% of gross pay, which matters for anyone planning to buy rather than rent.
Rents, home prices and household income in Bergen County, NJ
Renters in Bergen County, NJ pay a median gross rent of $1,914 a month in the Census survey, 11% above the New Jersey median of $1,720. HUD's Fair Market Rent for a one-bedroom apartment, which this site uses in the budget, is $1,987 a month; the two measures differ because the Census figure covers units of every size that renters already occupy, while the HUD figure is a one-bedroom benchmark. The median value of an owner-occupied home is $623,000, 37% above the New Jersey median of $454,400. Median household income is $124,884, 21% above the New Jersey median of $103,556, so a year of one-bedroom Fair Market Rent equals 19.1% of that income.
Commuting in Bergen County, NJ
Workers in Bergen County, NJ who travel to a workplace spend an average of 31.2 minutes each way, 2% above the New Jersey average of 30.5. For someone who commutes five days a week, that is 5.2 hours of round-trip travel every week, a cost the budget does not price. 18.5% of workers in Bergen County, NJ work from home, compared with 15.1% nationally, which removes the commute for them.
Can Medical Records Specialists afford to live in Bergen County, NJ?
The 30% rent guideline
A common rule of thumb says rent should stay under 30% of gross income. For a gross salary of $61,190 that ceiling is $1,530 a month. The one-bedroom Fair Market Rent of $1,987 is $457 over it, so rent breaks the guideline. Put as a wage, covering a one-bedroom at the 30% guideline takes $38.21 an hour; the median for Medical Records Specialists is $29.42, which is 23% below that mark. Another way to see it: at $23.78 of take-home pay an hour, a one-bedroom takes about 19.3 working hours every week.
Splitting a two-bedroom
Sharing a two-bedroom at $2,282 a month means $1,141 each. Compared with renting a one-bedroom alone, that saves $10,152 a year. With a roommate, the yearly margin after the basics becomes $28,288.
How fast you can save
At $1,511 a month of margin, building a $10,000 emergency fund would take about 7 months. Setting aside half of the margin stretches the same goal to about 14 months. These figures ignore interest, raises and any spending beyond the four basics.
Frequently asked questions about Medical Records Specialists pay in Bergen County, NJ
What is the hourly wage for Medical Records Specialists in Bergen County, NJ?
The median is $29.42 per hour, based on $61,190 a year over 2,080 hours. Hourly pay runs from about $17.13 at the 10th percentile to $49.33 at the 90th percentile.
What is the take-home pay for Medical Records Specialists in Bergen County, NJ?
After federal income tax, FICA and state income tax, the median salary of $61,190 becomes $49,462 a year. That is $4,122 a month, $1,902 every two weeks or $951 a week.
What percentage of pay goes to taxes for Medical Records Specialists in Bergen County, NJ?
Total taxes are $11,728 a year, an effective rate of 19.2%: $5,214 federal income tax, $4,681 FICA and $1,833 New Jersey income tax.
Is pay for Medical Records Specialists in Bergen County, NJ above the New Jersey average?
Yes. The local median of $61,190 is +6.2% versus the New Jersey average of $57,636, a difference of $3,554 a year.
Is a one-bedroom rent affordable on the median Medical Records Specialists salary in Bergen County, NJ?
A one-bedroom costs $1,987 a month against take-home pay of $4,122, which is 48.2% of take-home pay. That does not meet the 30%-of-gross guideline, which allows up to $1,530 a month.
How much is left after rent, food and energy for Medical Records Specialists in Bergen County, NJ?
About $1,511 a month ($18,136 a year) remains after a one-bedroom apartment, food, home energy and gasoline, which together cost $31,325 a year.
What hourly wage covers a one-bedroom in Bergen County, NJ at the 30% guideline?
$38.21 an hour for a full-time schedule, calculated as the $23,844 annual rent divided by 0.30 and by 2,080 hours. The median for Medical Records Specialists is $29.42.
How we calculated these numbers
Wages are May 2025 medians from the Bureau of Labor Statistics Occupational Employment and Wage Statistics survey for the New York-Newark-Jersey City, NY-NJ metropolitan area; hourly-only values are annualized at 2,080 hours. Rents are HUD Fair Market Rents, food costs come from the USDA Thrifty Food Plan, and energy prices come from the Energy Information Administration. County-level tax statistics come from the IRS Statistics of Income.
Taxes use tax-year 2025 federal brackets, FICA rates and the New Jersey rules for a single filer with wage income only. Figures are estimates for planning and comparison, not tax or financial advice, and they exclude local income taxes, benefits, retirement contributions and individual circumstances.