In 2026, an Accounts Payable and Receivable Specialist in the U.S. earns a median salary between $58,000 and $65,000 per year, based on aggregated market data and projections aligned with the Bureau of Labor Statistics benchmarks.
Entry-level professionals typically start around $45,000, while experienced specialists in high-cost metro markets can exceed $75,000–$90,000, depending on ERP expertise, industry, and company size. Hourly rates generally range from $22 to $37.
For employers, base salary is only part of the equation. The total cost of employment—including payroll taxes, benefits, bonuses, and compliance—can increase compensation by 20–30%.
As a result, many U.S. businesses evaluating remote hiring and nearshore talent are comparing domestic compensation benchmarks with LATAM salary structures to optimize global workforce strategy, manage overhead, and leverage talent arbitrage through offshore staffing models.
What is the Salary of an Accounts Payable and Receivable Specialist in the US in 2026?
In 2026, an Accounts Payable and Receivable Specialist in the United States earns an average salary of approximately $61,000 per year. Most professionals fall within a range of $58,000 to $65,000, depending on experience and location.
Average Accounts Payable and Receivable Specialist salary in the United States (2026):
Entry-level: $45,000
Mid-level: $60,000
Senior-level: $75,000+
National average: $61,000
Median salary: $62,000
Hourly rate: $22–$37
Experience level is the primary driver of compensation. Entry-level professionals handling basic invoice processing and reconciliations earn on the lower end, while senior specialists managing full-cycle AP/AR, ERP systems, and reporting command higher pay.
The average salary reflects the overall mean across employers, while the median Accounts Payable and Receivable Specialist income represents the midpoint of reported earnings. Hourly rates are typically derived from full-time annual compensation and vary based on overtime and market demand. Current compensation benchmarks reflect steady labor market demand for finance operations talent.
Accounts Payable and Receivable Specialist Salary by State
Accounts Payable and Receivable Specialist pay varies significantly by state due to cost of living, local labor demand, and industry concentration. Finance hubs and high-cost metro areas consistently report higher compensation than manufacturing- or logistics-driven regions.
| State | Average Salary |
|---|---|
| California | $72,000 |
| Massachusetts | $64,461 |
| New York | $75,000 |
| Pennsylvania | $56,919 |
| Texas | $68,000 |
| Maryland | $58,000 |
| Michigan | $55,000 |
| Utah | $52,000 |
| Florida | $62,000 |
| Illinois | $67,000 |
| Washington | $74,000 |
| New Jersey | $76,000 |
| Colorado | $70,000 |
| Virginia | $69,000 |
| Georgia | $64,000 |
| North Carolina | $63,000 |
| Ohio | $60,000 |
| Arizona | $65,000 |
| Minnesota | $68,000 |
| Wisconsin | $59,000 |
| Oregon | $67,000 |
The Accounts Payable and Receivable Specialist salary in California ($72,000) and New York ($75,000) reflects strong metro demand, while Texas ($68,000) and Florida ($62,000) remain competitive in growing business hubs. Employers often ask how much do Accounts Payable and Receivable Specialists make in specific regions to benchmark offers accurately. The highest paying states for Accounts Payable and Receivable Specialist roles typically align with finance, tech, and pharmaceutical concentrations, whereas Midwest states trend closer to the national median.
Remote vs On-Site Accounts Payable and Receivable Specialist Salary in the US
Remote work has reshaped Accounts Payable and Receivable Specialist compensation in the U.S., with many employers adjusting pay models to attract talent outside traditional office locations. National labor demand and skills remain the primary drivers of total compensation.
Fully Remote Accounts Payable and Receivable Specialist Salary Bands (2026)
Entry-level: $45,000–$50,000
Mid-level: $58,000–$63,000
Senior-level: $70,000–$78,000
Remote salaries are typically benchmarked against national averages, though some companies apply geo-adjusted rates based on employee location. Employers may choose full national pay or scale for local cost-of-living differences, influencing the remote vs in-office salary difference.
Hybrid Accounts Payable and Receivable Specialist Roles
Hybrid roles usually align pay with metro-based salary bands, reflecting partial on-site obligations. Compensation may remain close to city averages, balancing flexibility with market competitiveness. Employees trade commuting demands for slightly adjusted pay, while employers compete for local talent with limited office presence.
On-Site Premium Markets
High-cost cities such as San Francisco, New York City, and Boston offer on-site Accounts Payable and Receivable Specialist pay above national averages. Cost-of-living premiums, concentration of finance and tech firms, and local competition drive higher wages. On-site roles in these markets often exceed both hybrid and remote bands.
US vs International Hiring Cost Comparison
Base salary alone does not capture the full cost of employing an Accounts Payable and Receivable Specialist in the U.S. Total employer cost includes payroll taxes, benefits, insurance, and other overhead expenses.
Total employer cost typically incorporates payroll taxes, health benefits, workers’ compensation, equipment and office overhead, and compliance-related expenses. These factors can add 15–30% on top of base salary depending on company size and location.
| Role Level | US Total Employer Cost | LATAM Cost | Estimated Savings |
|---|---|---|---|
| Entry-Level | $50,000–$55,000 | $23,000–$27,000 | $25,000–$28,000 |
| Mid-Level | $65,000–$75,000 | $33,000–$37,000 | $32,000–$38,000 |
| Senior-Level | $80,000–$90,000 | $42,000–$48,000 | $38,000–$42,000 |
Hiring in LATAM often reduces total employment cost due to lower local wage benchmarks and fewer statutory benefit requirements. Companies can leverage contractor arrangements or employer-of-record models to optimize compliance and payroll management. While not a substitute for competitive compensation, this approach allows U.S. businesses to scale finance teams efficiently and maintain margin control in a global workforce strategy.
How to Hire an Accounts Payable and Receivable Specialist Internationally Without Legal Risk
U.S. Accounts Payable and Receivable Specialist salaries vary widely by experience, state, and metro concentration, with national averages reflecting both entry-level and senior-level ranges. Remote and hybrid compensation models continue to evolve, while total employer cost—including payroll taxes, benefits, and overhead—significantly exceeds base salary. International hiring, when structured properly, can deliver cost efficiencies without sacrificing talent quality or operational control.
Hiring Internationally Comes With Compliance Responsibilities
Employers must navigate worker classification, local labor law requirements, payroll regulations, and tax obligations. Missteps can expose companies to fines, IP risks, and contractual disputes. Protecting intellectual property and drafting compliant contracts are essential for cross-border hires.
Wow Remote Teams connects U.S. businesses with vetted LATAM Accounts Payable and Receivable Specialists, providing compliance oversight, payroll management, and locally valid contracts. The platform ensures talent vetting, replacement guarantees, and operational simplicity, reducing legal and administrative risk.
For companies exploring international finance talent, booking a meeting with Wow Remote Teams allows a structured review of hiring options and cost-efficient workforce strategies.
Why Choose Wow Remote Teams?
Wow Remote Teams is a nearshore staffing agency that specializes in connecting US businesses with top-tier marketing professionals, including graphic designers from Latin America. Our tailored approach ensures you find the right talent for your needs, whether you’re building a brand, creating visually appealing promotional materials, or enhancing your digital presence.
Let Wow Remote Teams help you build a dynamic design team that delivers results.
