2025 Guide: What Is the Average Salary for Bookkeeping in the US?

If you're thinking about a career in bookkeeping or just curious about what bookkeepers actually make in the US, you're not alone. The salary for bookkeeping can be a big factor for people choosing this path. Pay can change a lot depending on where you live, how much experience you have, and even what kind of company you work for. In this guide, we'll break down what bookkeepers are earning in 2025, what affects those numbers, and what you might expect if you're starting out or looking to move up.

Key Takeaways

• The average salary for bookkeeping in the US usually falls between $35,000 and $50,000 a year, but pay can be higher or lower depending on location and experience.
• Full charge bookkeepers and those with advanced certifications tend to earn more than entry-level workers.
• States like Massachusetts, New York, and California often offer the highest salaries, while Mississippi and Kentucky are on the lower end.
• Industry, company size, and whether you work for a private business or the government all play a role in how much you can make.
• Bookkeepers may also get bonuses, profit sharing, and benefits, especially if they work full-time for larger organizations.

Current Salary for Bookkeeping Across the United States

National Average Salary Figures

On average, bookkeepers working in the U.S. in 2025 earn around $45,000 annually, with hourly rates near $18-19. Most jobs offer hourly pay, but many full-time bookkeepers are on salary. According to recent data, the 10% of bookkeepers at the top of the pay scale can make over $60,000 yearly, while entry-level professionals might start closer to $35,000 per year.

Hourly Versus Annual Wages

Theres quite a bit of variation in how bookkeepers are paid. Some key things to consider:

• Hourly pay is common for part-time or temporary bookkeeping roles. Flexible schedules, but inconsistent hours.
• Salaried bookkeepers usually work full-time with benefits. Predictable income, but sometimes more responsibility.
• Full charge bookkeepers (who manage more accounting tasks) typically earn more, both hourly and annually.

When deciding between hourly and salary pay, bookkeepers often weigh flexibility against stability.

Top-Paying States for Bookkeepers

Several states stand out for offering higher salaries to bookkeepers. The current top five:

• These states pay more partly due to the higher cost of living and greater demand for bookkeeping skills.
• Bookkeepers in these locations often work for larger organizations or in specialized industries.
• Many major cities found in these states offer even higher wages.

Lowest-Paying States for Bookkeepers

Not all places pay the same. Bookkeepers in some states average much less than the national median.

• Southern and some Midwest states offer the lowest pay, with hourly rates sometimes under $16.
• Factors include less business density, lower cost of living, and less demand for skilled bookkeeping.
• Examples include states like Mississippi, West Virginia, and Arkansas, where annual salaries can hover in the low $30,000s.

Its always worth considering both average wages and living costs before relocating for a bookkeeping job.

Factors That Influence Salary for Bookkeeping

Experience Level and Seniority

Bookkeeping pay shifts up quite a bit depending on how long someones been in the job and the level of responsibility they take on. A beginner might start off around $17 an hour, but with more years, that number can climb by several dollars. Once a bookkeeper is considered 'mid-career,' raises tend to slow, but promotions to full-charge or senior positions can come with bigger jumps. Heres a quick look at typical earnings by experience:

• Seasoned bookkeepers can also earn bonuses and performance pay.
• Advancement usually means handling more complicated finances or supervising others.
• Specialized experience (like with industry-specific software) can boost pay further.

Increasing responsibilityespecially managing payroll or closing monthly reportsoften leads to higher wages, even if job titles dont change much.

Educational Background and Certifications

Your degree and certifications can influence your rate just about as much as experience. A person with an associates or bachelors in accounting or a related field is often more attractive to employers. Professional certifications, like Certified Bookkeeper (CB) or Certified Public Bookkeeper (CPB), show proof of skill and can command higher pay. Heres a rundown:

• No degree: Often starts at the lower end, around $17/hour.
• Associates degree: Can increase rates to $18$21/hour.
• Bachelors/postgraduate: Typically sees higher starting offers and more promotion options.
• Certifications: Having a CB or CPB can add up to $3,000$6,000 in annual salary.

Industry Differences

Not all industries pay bookkeepers the same. Working in finance, government, or certain utilities pays the most, while small local businesses and non-profits often offer less.

• High-paying industries dont always have the most jobs available.
• Niche sectors can be more competitive for job openings.
• The skills required can get pretty specific, based on the business type.

Company Size and Structure

Smaller firms often bundle many roles together, so bookkeepers might do more but that doesnt always mean theyll earn more. Big companies, on the other hand, tend to pay higher base salaries and offer more benefits, though job roles are usually more tightly defined. Factors to consider:

• Small businesses: Versatile roles, possibly lower pay, potential for faster promotion.
• Medium to large businesses: More specialized roles, better pay, structured raises and reviews.
• Corporate structure may also offer profit sharing, bonuses, or annual merit increases.

Sometimes, working at a large firm means more red tape, but for many, the improved pay and benefits make up for it.

All these factors stack up differently for everyone, so salaries can shift quickly just by changing employers, boosting credentials, or staying in one place to work up the ladder.

Regional Differences in Salary for Bookkeeping

Regional pay for bookkeepers can actually swing quite a bit depending on where you live. Factors like the local job market, cost of living, and what businesses are willing to pay all come into play, so whats average in one city might be above or below in another. On top of that, some states and metro areas have a bigger demand for skilled bookkeepers, which can push salaries up.

Highest Paying Regions

The Northeast leads the country when it comes to average hourly pay for bookkeepers. States like Massachusetts, Connecticut, and New York regularly post hourly averages well above the national mean. For example:

*Assumes 40-hour weeks, 52 weeks per year

Top-paying metropolitan areas include:

• San Jose-Sunnyvale-Santa Clara, CA ($59,750)
• San Francisco-Oakland-Hayward, CA ($58,670)
• Boston-Cambridge-Nashua, MA ($54,590)

Cost of Living Considerations

Sometimes, a bigger salary doesnt always stretch further. Higher wages in places like New York, California, or Massachusetts offset the much higher costs of rent, transportation, and basic goods. Before chasing the top pay, weigh essentials like:

• Housing costs (major cities can be a shock if youre moving)
• Transportation expenses (gas, public transportation, or parking)
• State income tax (not all states treat you the same at tax time)

Earning more on paper feels great, but if groceries, rent, or even parking are sky-high, your actual take-home pay can shrink in a hurry.

Major Metropolitan Salary Trends

Cities tend to offer more pay than rural areas, mostly because there are more businesses and competition for good bookkeepers. Here are a few metro-specific trends worth noting:

1. Tech-heavy areas (like the Bay Area) typically pay more to attract skilled talent, even for bookkeeping roles.
2. Government and finance centers (such as Washington, D.C. or Boston) consistently offer higher wages because of the volume and complexity of business activity there.
3. Smaller metro areas can see lower average pay, but sometimes lower living costs make these jobs more appealing overall.

So, while a bookkeeper in Mississippi earns less on average than one in California or New York, their paycheck might stretch even further due to lower rent, cheaper food, and generally lower daily expenses.

Salary for Bookkeeping by Experience and Specialization

Bookkeepers' earnings track closely with their professional experience, the responsibilities they handle, and any special certifications they bring to the role. If you're thinking about a career in bookkeeping or trying to bump up your income, understanding this pay breakdown is a good move. Let's look at how these factors shape what you can expect to make in 2025.

Entry-Level Versus Experienced Bookkeepers

Most folks just getting into bookkeeping jobs can expect to start on the lower end of the pay scale, with annual salaries often close to $38,000. As you gain a few more years in the fieldthink anywhere from five to ten yearsyour paycheck typically grows. Seasoned bookkeepers, especially those in the mid-career phase, can sometimes see earnings reach and even exceed $50,000, depending on the role and company.

• Entry-level jobs might be in smaller companies with set routines.
• With more experience, youll likely take on greater responsibilities, like managing payroll or preparing more detailed financial statements.
• Over time, demonstrating accuracy and efficiency usually helps you stand out for promotions and raises.

Career progression in bookkeeping is steady and reliable, but the bumps in pay often come with added dutiesnot just more years on the clock.

Full Charge Bookkeeper Earnings

A full charge bookkeeper holds more responsibilities than standard bookkeepers, often handling the entire accounting cycle from start to finish. It's a step up and comes with better pay. Recent data put the average salary for a full-charge bookkeeper at around $50,430 per year, though this can be higher at larger firms or in specific regions.

This kind of role often requires:

• Managing payroll processing
• Overseeing general ledger entries
• Preparing financial statements
• Handling month-end and year-end closings

If you're considering a path with more responsibility and a higher paycheck, this might be a solid move. Look for roles in industries with better wage averages, like those found in accountant salaries in the USA.

Impact of Advanced Certifications

Credentials make a noticeable difference in how much you can bring home every year. Earning certifications like Certified Bookkeeper (CB) or Certified Professional Bookkeeper (CPB) signals that youve got more technical skill and commitment.

• Bookkeepers with these certifications often report salaries at the upper end of pay scales for the profession.
• Some certifications, like the CB, also help when negotiating for extra perks like performance bonuses.
• Certification may also make you more competitive for senior or specialized bookkeeping jobs.

Pursuing an advanced certificate is a smart move if your aim is to reach the top of this career trackor to keep climbing year after year.

In summary, your pay as a bookkeeper will depend on the experience you bring, the jobs you take on, and the specialized knowledge you develop through training and credentials. Each bump in skills or responsibility can mean more money in your pocket, and 2025 is shaping up to offer steady opportunities for those willing to keep learning.

Industry Trends Affecting Salary for Bookkeeping

Emerging Technologies and Automation

The bookkeeping industry is changing fast, mostly because of new technologies like cloud-based accounting software and automation tools. Routine data entry, once a big part of bookkeeping work, is now completed much faster with platforms like QuickBooks, Xero, and FreshBooks. This shift means fewer jobs need to be filled the old way, but it also pushes bookkeepers to focus on more analytical tasks and client service.

• Automation is reducing the need for manual data entry.
• Bookkeepers must now know how to use advanced software and apps.
• Cloud-based tools allow for remote work and flexible arrangements.

Many small businesses still rely on local bookkeepers, but even these firms now expect tech-savvy candidates who can integrate business data with digital tools.

Shifts in Demand and Employment Outlook

According to recent projections, jobs in bookkeeping are expected to decline by around 5% through 2031. That said, this doesn't tell the full storysome states and cities are actually growing, usually where local economies are booming or theres a lack of qualified professionals.

Key factors shaping the outlook:

1. Some metro areas and industries are adding jobs, even with national declines.
2. Companies are looking for bookkeepers who know compliance and regulations.
3. Specialized skills are more likely to lead to higher salaries and steady employment.

Sector-Specific Income Variations

Pay levels for bookkeepers also depend a lot on the industry. Niche sectors, such as federal government agencies or industries like metal ore mining, pay far more than typical office jobs. Heres a look at average annual salaries for top-paying industries from recent data:

• Most bookkeepers work in accounting, tax prep, bookkeeping, and payroll servicesthese usually pay below $50,000 annual average.
• Competition for higher-paying roles in federal or specialized industries is intense.
• Some sectors may offer bonuses or profit-sharing, which adds a cushion to base pay.

Its not just about the titleindustry choice can have a huge impact on your paycheck as a bookkeeper.

Job Market Outlook for Bookkeeping Professionals

The landscape for bookkeeping jobs in the United States is evolving. Recent projections indicate a slight decline in overall employment opportunities for bookkeepers, with efficiency gains from software impacting job availability. Still, the occupation remains resilient in certain regions and industriesdemand persists, and active openings continue to appear, especially where there are gaps due to retirements or business growth.

Employment Growth by State

While the national trend is downward, some states expected an increase in bookkeeping jobs between 2020 and 2030. Below is a snapshot of states with projected growth and those with the most annual openings:

Some states, like California, are projected to face a slightly shrinking job market, though the sheer size still means many openings each year owing to retirements and turnover.

Future Opportunities and Challenges

Here are a few big factors shaping tomorrows bookkeeping job scene:

• Growing adoption of digital accounting software
• Fewer new professionals replacing retiring bookkeepers
• Large metropolitan areas still need substantial numbers of bookkeepers
• Shifting business needs may create specialized or hybrid roles

Despite competition from automation, bookkeepers remain essential, especially in small businesses or companies that favor a personal touch for their finances.

In many regions, the right mix of skills, certifications, and up-to-date tech know-how will keep experienced bookkeepers in demandeven as some routine tasks disappear.

Projected Salary Changes

Salary expectations might change based on shifts in supply, demand, and skill requirements:

• Areas with high projected job growth may see salaries rise where businesses need to attract talent.
• Where automation reduces the need for manual work, pay can remain flat or decrease for entry roles, while advanced positions may pay better.
• Specialized sectors (like the postal service or select government jobs) are likely to offer higher wages compared to other industries.

Bookkeeping jobs arent vanishing, but they are changing. Staying adaptable and proactive about learning new tools will likely help professionals take advantage of new openings and maintain competitive salaries.

Supplementary Compensation and Benefits for Bookkeepers

Beyond a regular paycheck, bookkeepers can earn extra cash through bonuses, profit sharing, and commissions depending on company policies and the results they help deliver. While these additional rewards aren't guaranteed, they can make a real difference in overall take-home pay.

Bonuses, Profit Sharing, and Commissions

• Bonuses: Many bookkeepers get performance-based bonuses, often tied to quarterly or annual targets. Depending on the company, these can range from a few hundred to several thousand dollars each year.
• Profit Sharing: Some organizations allow bookkeepers to share in company profits, adding a percentage to their salary if the business has a successful year.
• Commissions: Rare but possible, especially in firms where bookkeepers take on sales or client acquisition efforts.

Here's a quick look at how much supplemental earnings might add up in a year:

For some bookkeepers, these extras mean the difference between just getting by and actually saving money each yearthough they're not always a sure thing, they add a bit of excitement to payday.

Common Employee Benefits Offered

Full-time bookkeeper positions usually come with a package of traditional benefits. Here's what you can often expect:

• Medical, dental, and vision insurance
• Paid vacation and sick days
• Retirement plans or 401(k) match
• Flexible scheduling or remote work options
• Professional development support (like covering certification costs)

Freelance Versus Salaried Compensation

Freelance bookkeepers operate under a different set of rules. They're paid per project, per hour, or contract but lose out on typical employee benefits.

• Freelancers may bill higher hourly rates but must handle their own taxes, health insurance, and retirement savings.
• They can work for multiple clients, so income potential is higher but less predictable.
• Time off is unpaid, so planning for breaks is important.

The choice between employee and freelance work often comes down to whether you value steady pay and benefits or prefer flexibility with the potential for higher earnings.

Conclusion

So, after looking at all the numbers and trends, it's clear that bookkeeping salaries in the US can be all over the place. Where you live, how much experience you have, and even the kind of business you work for can make a big difference in your paycheck. Some states pay a lot more than others, and if you pick up extra skills or certifications, you might see your pay go up too. Even though the field is changing with new software and tech, there are still plenty of jobs out thereespecially if you're open to moving or working in different industries. If you're thinking about becoming a bookkeeper, or just want to know if you're being paid fairly, it's a good idea to check out local rates and keep an eye on job listings. Bookkeeping is still a solid career choice for folks who like working with numbers and want a steady job without needing a fancy degree.

Frequently Asked Questions

What is the average salary for a bookkeeper in the US in 2025?

The average salary for bookkeepers in the US in 2025 is around $45,000 per year. This number can change depending on where you work, your experience, and the type of company you work for.

How much do bookkeepers earn per hour?

Most bookkeepers in the US make between $17 and $22 per hour. The exact amount depends on the state, the company, and how much experience you have.

Which states pay bookkeepers the most?

States like Massachusetts, Alaska, California, and New York pay bookkeepers the highest salaries. In these states, bookkeepers can earn over $20 an hour on average.

Do bookkeepers need a college degree?

You don't always need a college degree to become a bookkeeper. Some employers may want you to have an associate or bachelors degree, but many bookkeepers start with just a high school diploma and learn on the job or through online courses.

Can bookkeepers earn more with certifications?

Yes, having certifications like Certified Bookkeeper (CB) or Certified Public Bookkeeper (CPB) can help you get better jobs and higher pay. These show employers that you have special skills and knowledge.

Is it better to work as a freelance bookkeeper or for a company?

Both have pros and cons. Freelance bookkeepers can set their own hours and sometimes earn more, but they have to find their own clients and cover their own benefits. Working for a company usually means a steady paycheck and benefits like health insurance, but you might have less flexibility.