Last updated: 2025 BLS data · Page refreshed:
How much does a Bill and Account Collectors actually take home in Virginia?
Progressive (up to 5.8%) — 20.3% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Bill and Account Collectors earning $43,770 in Virginia (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $43,770 | — |
| Federal Income Tax | -$3,268 | 7.5% |
| Virginia State Income Tax | -$2,259 | 5.2% |
| Social Security (OASDI) | -$2,713 | 6.2% |
| Medicare | -$634 | 1.5% |
| Total Taxes | -$8,876 | 20.3% |
| Take-Home Pay | $34,893 | 79.7% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Bill and Account Collectors in Virginia.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $31,160 | -$5,673 | $25,486 | 18.2% |
| 25th Percentile (P25) | $35,900 | -$6,877 | $29,022 | 19.2% |
| Median (P50) | $43,770 | -$8,876 | $34,893 | 20.3% |
| 75th Percentile (P75) | $54,610 | -$11,629 | $42,980 | 21.3% |
| 90th Percentile (P90) | $64,100 | -$14,274 | $49,825 | 22.3% |
After federal income tax ($3,268), state tax ($2,259), and FICA ($3,348), a Bill and Account Collectors in Virginia takes home $34,893 per year — or $2,907 per month. The effective tax rate of 20.3% is relatively low compared to the national range.
With an effective total rate of 20.3%, a Bill and Account Collectors in Virginia keeps $34,894 of $43,770 gross — roughly typical for U.S. middle-income earners once federal, FICA and state taxes are combined.
Virginia uses a progressive state income tax, so brackets escalate as wages rise. For this Bill and Account Collectors salary the state tax works out to $2,259 (5.2% effective) — on top of federal and FICA.
Federal tax on this Bill and Account Collectors salary is $3,268 (37%), but combined state ($2,259, 25%) + FICA ($3,348, 38%) make up the other 63% of the bill.
A Bill and Account Collectors earning this gross in a no-income-tax state (e.g., Texas, Florida) would take home approximately $37,153 — only $2,259 (6.5%) more than in Virginia.
Virginia sits near the bottom (#41 of 51) for Bill and Account Collectors after-tax earnings. Relocation, negotiation, or credential stacking typically show the clearest ROI in bottom-quartile states.
Translated into paycheck cadences, $34,894 net/year works out to $2,908/month or $1,342/bi-weekly for this Bill and Account Collectors in Virginia — the numbers that actually hit a checking account after every deduction.
Where does a Bill and Account Collectors keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Virginia ranks #41 out of 51 states for Bill and Account Collectors after-tax take-home pay.
A Bill and Account Collectors in Virginia earning a median salary of $43,770 will take home approximately $34,893 per year after federal income tax ($3,268), state income tax ($2,259), and FICA ($3,348). That is $2,907 per month or $1,342 per bi-weekly paycheck.
The effective total tax rate for a Bill and Account Collectors in Virginia is 20.3%, broken down as: federal income tax 7.5%, Virginia state tax 5.2%, and FICA (Social Security + Medicare) 7.6%. This assumes a single filer with the standard deduction for 2024.
Virginia has a progressive (up to 5.8%). On a Bill and Account Collectors's median salary of $43,770, the state income tax amounts to $2,259 per year, which is an effective state rate of 5.2%.
After all taxes, a Bill and Account Collectors in Virginia takes home approximately $2,907 per month, or about $16.78 per hour (based on a standard 2,080-hour work year). These figures assume a single filer, standard deduction, and no additional pre-tax deductions.
We start with the 2025 BLS median salary of $43,770 for Bill and Account Collectors in Virginia, then subtract: federal income tax using 2024 IRS brackets ($14,600 standard deduction), Virginia state income tax (progressive (up to 5.8%)), Social Security (6.2% up to $168,600), and Medicare (1.45%). The result — $34,893/yr — does not include local taxes, pre-tax deductions (401k, HSA), or tax credits.
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This estimate assumes a single filer using the 2024 standard deduction ($14,600), with W-2 employment income only. It does not account for: itemized deductions, tax credits (e.g. earned income credit, child tax credit), local/city taxes, pre-tax contributions (401k, HSA, FSA), self-employment tax, or additional income sources. Actual take-home pay may differ. Consult a tax professional for personalized advice.
Our Methodology · Data Sources · Salary: BLS OEWS · Tax: IRS + State DOR