What Billing and Posting Clerks earn in Ocean County, NJ
If you are weighing a move or a job offer, start with $56,160: the median annual pay for Billing and Posting Clerks in Ocean County, NJ. Spread over a standard 2,080-hour work year, that is $27.00 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 $57,770, which is 2.9% above the median, so pay is spread fairly evenly. The survey counts about 32,930 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. Ocean County, NJ has roughly 654,362 residents, according to the population figures used by the rent data.
The salary range, from entry level to top earners
Pay for Billing and Posting Clerks in the New York-Newark-Jersey City, NY-NJ metropolitan area is not one number. The lowest-paid tenth of workers earn up to $42,840 a year ($20.60 an hour), while the highest-paid tenth earn $76,840 or more ($36.94 an hour). That is a gap of $34,000 between the bottom and the top of the scale. The middle half of workers falls between $48,460 at the 25th percentile and $63,500 at the 75th percentile. A top-tier earner makes 1.8 times what someone at the bottom makes, so experience, certification and employer all matter.
What the hourly rate looks like
Employers quote this occupation by the hour or by the year, so here are both: $27.00 an hour or $56,160 a year at the median for Ocean County, NJ. Before any deductions, that is $4,680 a month, $2,160 every two weeks and $1,080 each week. After taxes the same job pays $21.97 per hour of take-home income, which is the number that actually has to cover rent and groceries.
About this occupation: Billing and Posting Clerks
The U.S. Department of Labor's O*NET database describes the work of Billing and Posting Clerks this way: "Compile, compute, and record billing, accounting, statistical, and other numerical data for billing purposes. Prepare billing invoices for services rendered or for delivery or shipment of goods."
Core tasks recorded by O*NET include: "Post stop-payment notices to prevent payment of protested checks"; "Verify accuracy of billing data and revise any errors"; "Verify signatures and required information on checks"; "Prepare itemized statements, bills, or invoices and record amounts due for items purchased or services rendered".
Job outlook for Billing and Posting Clerks
The Bureau of Labor Statistics projects national employment in this occupation to shrink from 418,000 jobs in 2025 to 417,700 in 2035, a change of -0.1%, slower than the 3.5% projected for all occupations. The projection counts 37,000 openings a year on average, including positions created by growth and positions left by workers who retire or move to another occupation; that equals 8.9% of current employment each year.
Typical entry-level education: high school diploma or equivalent. Typical on-the-job training to reach competency: moderate-term on-the-job training. BLS lists a national median annual wage of $48,500 for this occupation; the Ocean County, NJ median of $56,160 is 15.8% above it.
How pay in Ocean County, NJ compares
Compared with the New Jersey average
A worker in this occupation in Ocean County, NJ earns $1,467 more than the New Jersey average of $54,693, a premium of 2.7%. Over a year that premium is worth $1,467 before tax and roughly $1,194 after tax. Within New Jersey, Ocean County, NJ already has the highest median we track for this job.
Compared with the national average
The national employment-weighted average for Billing and Posting Clerks is $49,365 across the contiguous United States. At $56,160, Ocean County, NJ pays $6,795 more, which is 13.8% 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 Ocean County, NJ
Among the 671 occupations with published wages in Ocean County, NJ, Billing and Posting Clerks ranks number 482 by median pay, ahead of about 28% of them. The best-paying occupation we track here is Anesthesiologists at $460,800 a year, which is $404,640 more than the median for Billing and Posting Clerks.
From gross pay to take-home pay
Three separate tax bills sit between the gross salary and the bank account: federal income tax, FICA, and state income tax. For Billing and Posting Clerks earning the Ocean County, NJ median of $56,160, they add up to $10,462. The result is $45,698 of take-home pay a year ($3,808 a month), based on a single filer using the standard deduction.
Put another way, of every $100 earned, about $19 goes to taxes and $81 reaches the paycheck. The overall effective tax rate is 18.6%.
Federal income tax
After the $15,750 standard deduction, taxable income is $40,410. 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 $4,611, an effective 8.2% 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 $3,482 on this salary. Medicare takes 1.45%, or $814. FICA totals $4,296, which is 7.6% of gross pay.
State income tax in New Jersey
New Jersey income tax on this salary is $1,555 a year, or 2.8% of gross pay, after the state's own deductions and exemptions are applied. That is 34% of the federal income tax bill, and it comes out to $130 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 Ocean County, NJ
IRS Statistics of Income data for Ocean County, NJ show an average adjusted gross income of $90,154 per return and an average effective federal income tax rate of 13.0% across all filers. Filers in the $50,000 to under $75,000 bracket, where this salary falls, paid an average of 7.3%, compared with the 8.2% 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 Ocean County, NJ
Take-home pay only means something next to what life costs. We price four basics for one adult in Ocean County, NJ: a one-bedroom apartment, food, home energy and gasoline. All of them are converted to annual figures first, then compared with the $45,698 of take-home pay.
Rent
Housing is the largest line in most budgets. For Ocean County, NJ, HUD sets the Fair Market Rent for a one-bedroom unit at $1,847 a month ($22,164 a year), and at $2,283 for two bedrooms. For Billing and Posting Clerks, a one-bedroom absorbs 48.5% of take-home pay and 39.5% 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 6.1% of gross pay for Billing and Posting Clerks in Ocean 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
Rent, food, energy and gasoline cost $29,645 a year in Ocean County, NJ. Subtract that from $45,698 of take-home pay and $16,053 remains, which is $1,338 a month of breathing room. That margin equals 28.6% of gross pay, a comfortable cushion by common budgeting rules.
Local housing and commute data for Ocean County, NJ
The budget above covers rent, food, energy and gasoline. Three more local facts shape what a paycheck buys in Ocean 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 Ocean County, NJ, set beside the New Jersey and national medians.
Property taxes in Ocean County, NJ
Homeowners in Ocean County, NJ pay a median of $6,562 a year in real estate taxes, 32% below the New Jersey median of $9,590 and 110% above the U.S. median of $3,119. Against a median home value of $398,400, the median tax bill is 1.65% of that value (the ratio of the two county medians). For a worker paid the local Billing and Posting Clerks median of $56,160, a tax bill of that size would equal 11.7% of gross pay, which matters for anyone planning to buy rather than rent.
Rents, home prices and household income in Ocean County, NJ
Renters in Ocean County, NJ pay a median gross rent of $1,755 a month in the Census survey, 2% 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 $1,847 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 $398,400, 12% below the New Jersey median of $454,400. Median household income is $89,863, 13% below the New Jersey median of $103,556, so a year of one-bedroom Fair Market Rent equals 24.7% of that income.
Commuting in Ocean County, NJ
Workers in Ocean County, NJ who travel to a workplace spend an average of 30.0 minutes each way, 2% below the New Jersey average of 30.5. For someone who commutes five days a week, that is 5.0 hours of round-trip travel every week, a cost the budget does not price. 12.5% of workers in Ocean County, NJ work from home, compared with 15.1% nationally, which removes the commute for them.
Can Billing and Posting Clerks afford to live in Ocean 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 $56,160 that ceiling is $1,404 a month. The one-bedroom Fair Market Rent of $1,847 is $443 over it, so rent breaks the guideline. Put as a wage, covering a one-bedroom at the 30% guideline takes $35.52 an hour; the median for Billing and Posting Clerks is $27.00, which is 24% below that mark. Another way to see it: at $21.97 of take-home pay an hour, a one-bedroom takes about 19.4 working hours every week.
Splitting a two-bedroom
Sharing a two-bedroom at $2,283 a month means $1,142 each. Compared with renting a one-bedroom alone, that saves $8,466 a year. With a roommate, the yearly margin after the basics becomes $24,519.
How fast you can save
At $1,338 a month of margin, building a $10,000 emergency fund would take about 8 months. Setting aside half of the margin stretches the same goal to about 16 months. These figures ignore interest, raises and any spending beyond the four basics.
Frequently asked questions about Billing and Posting Clerks pay in Ocean County, NJ
How much do Billing and Posting Clerks make per hour in Ocean County, NJ?
The median is $27.00 per hour, based on $56,160 a year over 2,080 hours. Hourly pay runs from about $20.60 at the 10th percentile to $36.94 at the 90th percentile.
How much do Billing and Posting Clerks take home after taxes in Ocean County, NJ?
After federal income tax, FICA and state income tax, the median salary of $56,160 becomes $45,698 a year. That is $3,808 a month, $1,758 every two weeks or $879 a week.
How much tax do Billing and Posting Clerks pay in Ocean County, NJ?
Total taxes are $10,462 a year, an effective rate of 18.6%: $4,611 federal income tax, $4,296 FICA and $1,555 New Jersey income tax.
Do Billing and Posting Clerks earn more in Ocean County, NJ than elsewhere in New Jersey?
Yes. The local median of $56,160 is +2.7% versus the New Jersey average of $54,693, a difference of $1,467 a year.
Can Billing and Posting Clerks afford a one-bedroom apartment in Ocean County, NJ?
A one-bedroom costs $1,847 a month against take-home pay of $3,808, which is 48.5% of take-home pay. That does not meet the 30%-of-gross guideline, which allows up to $1,404 a month.
What is the monthly budget margin for Billing and Posting Clerks in Ocean County, NJ?
About $1,338 a month ($16,053 a year) remains after a one-bedroom apartment, food, home energy and gasoline, which together cost $29,645 a year.
What hourly wage covers a one-bedroom in Ocean County, NJ at the 30% guideline?
$35.52 an hour for a full-time schedule, calculated as the $22,164 annual rent divided by 0.30 and by 2,080 hours. The median for Billing and Posting Clerks is $27.00.
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.