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Pediatrician Salary (2026): What Pediatricians Actually Earn — and the Subspecialty Decision That Changes Everything

Pediatricians averaged $273,665 in Doximity's 2026 report — but subspecialty choice, setting, and PSLF transform the financial reality.

Joshua Dunigan, DO
EDITOR-IN-CHIEFJoshua Dunigan, DO
Sources cited
Updated September 2026

Pediatricians averaged $273,665 in Doximity's 2026 Physician Compensation Report, 45th of the 51 specialties it lists, and the median of 272 self-reported pediatrician salaries on SalaryDr is $305,000 — making pediatrics one of the lower-compensating physician specialties in absolute terms, and one of the most financially misunderstood specialties when the complete picture is considered. Because the complete picture includes something that rarely appears in salary surveys: pediatricians have the highest PSLF eligibility rate of any physician specialty, practice in the most loan-forgiveness-friendly employment settings in medicine, and have access to a subspecialty pipeline where fellowship ROI ranges from deeply negative (pediatric endocrinology) to extraordinary (pediatric surgery).

A pediatrician who finishes residency at a qualifying children's hospital, enrolls in IBR from day one, and pursues PSLF for 10 years forgives $200,000 to $350,000 in student loans tax-free. When that forgiveness value is added to their clinical compensation, the total career financial picture closes much of the gap with higher-paying specialties. When it is not — when a pediatrician refinances federal loans out of anxiety about low earning potential and inadvertently eliminates $200,000 in forgiveness value — the specialty's low compensation becomes genuinely punishing.

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This guide covers what pediatricians actually earn in 2026 by setting, subspecialty, and career stage — with the fellowship ROI analysis, the Medicaid reimbursement problem that suppresses general pediatrics income, and the specific financial strategies that change the calculus for physicians who love working with children but need their career to make financial sense.

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What will you actually take home?

$400,000
$100K$1.2M

Pre-tax contributions

$24,500
I also contribute to a 457(b)
Adds another $24,500 of pre-tax space
Estimated take-home pay per year
$261,902
$21,825 per month · $24,500 also saved pre-tax
Take-home pay
65%
$261,902
Pre-tax savings
6%
-$24,500
Federal income tax
24%
-$94,559
FICA (SS + Medicare)
5%
-$19,039
Texas income tax
0%
$0
Effective tax rate
28.4%
Top marginal bracket
35% federal

Estimate for W-2 income only, using 2026 federal brackets and the standard deduction. State tax uses each state's 2026 rate and standard deduction or exemption (California: 2025 FTB schedules plus 1.3% SDI); local taxes (NYC, Maryland counties) and 1099 income are not modeled.

Sources, as of September 2026: IRS Rev. Proc. 2025-32 and Topic 751 ($184,500 wage base), state revenue departments, the Tax Foundation's 2026 state tables, CA FTB and EDD.

What the Data Shows: Pediatrician Salary in 2026

Pediatrician compensation surveys produce a range of figures that reflects real variation in the specialty — between general pediatricians and subspecialists, between outpatient and hospital-based practice, and between academic and community settings.

Median/Average
$273,665 average
Sample
Nearly 23,000 surveys (all specialties)
Notes
Full-time physicians, 2025 survey data; 45th of 51 specialties listed
Median/Average
$266,000 average
Sample
Full-time U.S. physicians
Notes
Total comp, 2025 survey year
Median/Average
$305,000 median / $311,276 average
Sample
272 approved self-reported salaries
Notes
Total comp; reports through Sept. 18, 2026
Median/Average
$252,400 median / $264,156 average
Sample
741 self-reported salaries
Notes
Total comp; updated Sept. 26, 2026
Median/Average
Not published (paid report)
Sample
Medical practice survey
Notes
Separates physician-owned and hospital-owned practices

The data divergence reflects real variation in who reports. SalaryDr's $305,000 median comes from salaries pediatricians submit themselves, and hospital-employed pediatricians account for 153 of its 272 reports, averaging $360,022. Marit's larger pool lands lower, at a $252,400 median, with non-academic pediatricians averaging $270,500 against $247,000 in academic settings. Doximity and Medscape, which survey full-time physicians across every specialty, fall in between with averages of $273,665 and $266,000.

The 25th percentile sits at $270,000 and the 75th percentile reaches $343,750 in SalaryDr's pediatrics reports. 95% of those reports include bonus or incentive pay, with a median bonus of $60,000 among the 258 that do — making total compensation meaningfully above base salary for most of them. Marit's data shows a thinner bonus layer: base salary makes up 92% of average pediatrician pay there, and bonuses 7%.

The subspecialty spread is far wider than the spread within general pediatrics. SalaryDr's 10th-to-90th percentile range for pediatricians runs from $240,000 to $400,000. Doximity's 2026 subspecialty averages run from $217,819 for pediatric infectious disease to $627,126 for pediatric surgery.


The Medicaid Problem: Why General Pediatrics Pays What It Pays

This is the most important structural explanation in pediatric finance, and the one most pediatric residents receive without context. Understanding why general pediatrics compensation sits where it does clarifies both what can be changed and what cannot.

Pediatricians earn less primarily because Medicaid reimburses at lower rates than Medicare and commercial insurance, and a large proportion of pediatric patients are Medicaid-insured — approximately 40% nationally. Additionally, well-child visits and preventive care generate lower RVUs than procedures and surgeries performed by other specialties.

The Medicaid reimbursement gap is substantial. Medicaid rates for pediatric E/M visits typically run 50 to 70 percent of Medicare rates — which are already lower than commercial rates. A 99214 established patient visit that reimburses at $120 under Medicare might reimburse at $65 to $80 under Medicaid — roughly 33 to 46 percent less for identical clinical work. A pediatric practice with 40 percent Medicaid patient mix is effectively running on a blended reimbursement rate that is 15 to 20 percent below what the same practice would earn with a purely commercial payer mix.

Well-child visits and preventive care generate lower wRVUs than sick visits and procedures. A pediatrician whose schedule is heavy on 18-month well visits, school physicals, and adolescent wellness exams generates fewer wRVUs per patient-hour than an internist managing multiple chronic diseases or a proceduralist performing billable interventions. The work is equally important — arguably more so from a public health standpoint — but the RVU system does not credit it proportionally.

The structural implications for income: A general outpatient pediatrician seeing 20 patients per day at a blended rate of $90 per visit generates approximately $1,800 in daily collections before overhead. With a 55 percent overhead rate (standard for pediatric practices), net daily income is approximately $810 — about $178,200 a year over 220 clinic days, on collections alone. Most employed pediatricians receive employer support on top of collections that lifts total compensation toward the survey figures above, but the underlying practice economics explain why general outpatient pediatrics compensation sits where it does.

What can be changed: Practice model. The pediatricians who break above the general outpatient median are those who have redesigned their practice economics — through direct primary care membership models, concierge pediatrics, or transitioning to a hospital-employed model that comes with a subsidy that removes the Medicaid collection pressure.


Pediatrician Salary by Practice Setting

Outpatient General Pediatrics (Private Practice)

Private practice pay reflects the Medicaid reimbursement dynamics described above most directly. Private practice general pediatricians in fee-for-service models bear the full weight of their payer mix — and in markets with high Medicaid density, the economics can make achieving $250,000 in net physician income genuinely difficult. On Marit, self-employed pediatricians average $250,500, the lowest of its non-academic settings, and SalaryDr's private practice reports ($312,371 average across 39) trail its hospital-employed ones.

The gap between the 25th and 75th percentile in outpatient general pediatrics is driven more by payer mix and geographic market than by clinical productivity or experience. A pediatrician practicing in an affluent suburban community with predominantly commercial insurance earns meaningfully more than an equivalently productive pediatrician in an urban Medicaid-dominant market.

Hospital-Employed Outpatient Pediatrics

Hospital employment is the most common mechanism by which general pediatricians escape the Medicaid collection problem. When a hospital employs a pediatrician, the hospital absorbs the payer mix risk and provides a compensation package built on a base salary guarantee, regardless of what collections the practice generates.

Pediatricians in hospital-employed settings tend to earn the most among general pediatricians. SalaryDr's hospital-employed pediatricians average $360,022 (153 reports), ahead of private practice and academic reports, and Marit's highest setting average is for pediatricians in hospitals or health systems, at $271,500. The hospital cross-subsidizes the pediatric practice from the revenue generated by higher-margin service lines — just as it cross-subsidizes other lower-margin physician specialties whose value to the system is disproportionate to their direct billing revenue.

The PSLF dimension: Most hospital-employed pediatricians work at nonprofit hospitals and academic medical centers — PSLF-qualifying employers. The combination of employed physician status, nonprofit employer, and IBR enrollment creates the optimal PSLF scenario. A pediatrician employed by a nonprofit children's hospital system who enrolls in IBR from day one of residency and continues straight to an attending position at the same system accumulates qualifying payments continuously — and the PSLF forgiveness value over 10 years can reach $200,000 to $350,000 in tax-free forgiveness depending on their loan balance. See our PSLF vs. Refinancing guide for the specific calculation.

Pediatric Hospitalist

Pediatric hospital medicine has grown significantly and now represents a distinct career path from outpatient pediatrics — with a shift-work structure, higher clinical acuity, and the procedural demands of inpatient pediatric care.

The reported pay does not show much of a premium for that intensity. On Marit, pediatric hospitalists report a median of $250,000 and an average of $253,699 across 174 salaries (as of September 27, 2026), in line with the $252,400 median for pediatricians overall on the same site. Academic pediatric hospitalists there average $245,474, against $264,825 in non-academic roles.

Pediatric hospitalists perform procedures that outpatient pediatricians rarely execute — lumbar punctures, peripheral IV placement in difficult veins, newborn resuscitation, and acute management of status epilepticus, severe asthma, and septic infants. The role trades clinic hours for shifts more than it trades up in pay, and it lacks the dramatic nocturnist differentials that adult hospital medicine produces.

Direct Primary Care (DPC) Pediatrics

This is the highest-variability and highest-potential practice model in general pediatrics. DPC pediatrics — a membership-based model in which patients pay a monthly subscription fee directly for unlimited access rather than billing insurance — bypasses the Medicaid reimbursement problem entirely.

A DPC pediatrician with 500 patient panels at $120 per month per patient generates $720,000 in annual subscription revenue. With a lean overhead structure — no billing department, no prior authorization staff, lower administrative overhead — net physician income can reach $350,000 to $500,000. This is a complete economic inversion of the traditional pediatric private practice model.

The limitation: not every market can support a DPC pediatric practice. Families who rely on Medicaid cannot participate in a cash-pay model — creating an access equity tension that is real and that physicians considering DPC pediatrics must reckon with genuinely. But for pediatricians in markets with adequate commercial insurance coverage or directly employed patient populations (concierge, employer-sponsored programs), DPC pediatrics produces income that competes favorably with most adult primary care specialties.

Academic Pediatrics

Academic pediatricians earn the least of any major employment setting in the specialty: $247,000 on average on Marit, against $270,500 outside academia, and $308,324 across SalaryDr's 74 academic reports, the lowest of its three settings. But the PSLF advantage at academic medical centers and children's hospitals is the largest available to any pediatric physician, and the career stability, intellectual engagement, and teaching mission resonate deeply with most physicians who chose pediatrics.

For pediatricians with $250,000 or more in federal student loans at a qualifying academic employer, PSLF forgiveness represents $15,000 to $35,000 per year in equivalent additional compensation over the qualifying period — partially closing the gap between academic and community employed salaries.


The Fellowship Decision: Pediatric Subspecialty ROI Analysis

This is the financial section most medical students researching pediatrics search for most urgently — because the subspecialty decision adds 2 to 3 years of training, and the income premium varies so dramatically across subspecialties that the same framework applies to wildly different financial outcomes.

The premium depends almost entirely on which fellowship you choose. In Doximity's 2026 report, the highest-paying pediatric subspecialties are pediatric surgery ($627,126), pediatric cardiology ($365,395), neonatology ($364,388), and pediatric emergency medicine ($332,579), against $273,665 for general pediatrics. Several others average less than general pediatrics.

Here is the fellowship ROI matrix for pediatric subspecialties, using Doximity's 2026 averages:

Pediatric Surgery
Average Salary (Doximity 2026)
$627,126
Premium Over Gen Peds ($273,665)
+$353,461
Fellowship Length
2 years (after 5-year general surgery residency)
Financial ROI
★★★★★
Pediatric Cardiology
Average Salary (Doximity 2026)
$365,395
Premium Over Gen Peds ($273,665)
+$91,730
Fellowship Length
3 years
Financial ROI
★★★★
Neonatology
Average Salary (Doximity 2026)
$364,388
Premium Over Gen Peds ($273,665)
+$90,723
Fellowship Length
3 years
Financial ROI
★★★★
Pediatric Critical Care
Average Salary (Doximity 2026)
Not listed (Marit: $348,500 avg)
Premium Over Gen Peds ($273,665)
+$84,300 vs. Marit's pediatrician avg
Fellowship Length
3 years
Financial ROI
★★★
Pediatric Emergency Medicine
Average Salary (Doximity 2026)
$332,579
Premium Over Gen Peds ($273,665)
+$58,914
Fellowship Length
3 years
Financial ROI
★★★
Pediatric Gastroenterology
Average Salary (Doximity 2026)
$311,433
Premium Over Gen Peds ($273,665)
+$37,768
Fellowship Length
3 years
Financial ROI
★★
Pediatric Neurology (Child Neurology)
Average Salary (Doximity 2026)
$309,593
Premium Over Gen Peds ($273,665)
+$35,928
Fellowship Length
2–3 years
Financial ROI
★★
Pediatric Hematology/Oncology
Average Salary (Doximity 2026)
$271,021
Premium Over Gen Peds ($273,665)
−$2,644
Fellowship Length
3 years
Financial ROI
★
Pediatric Endocrinology
Average Salary (Doximity 2026)
$242,274
Premium Over Gen Peds ($273,665)
−$31,391
Fellowship Length
2–3 years
Financial ROI
★
Pediatric Rheumatology
Average Salary (Doximity 2026)
$236,011
Premium Over Gen Peds ($273,665)
−$37,654
Fellowship Length
2–3 years
Financial ROI
★
Pediatric Infectious Disease
Average Salary (Doximity 2026)
$217,819
Premium Over Gen Peds ($273,665)
−$55,846
Fellowship Length
2–3 years
Financial ROI
★

Pediatric Surgery: The Clear ROI Winner

Pediatric surgeons averaged $627,126 in Doximity's 2026 report, fifth among the 51 specialties it lists. SalaryDr's sample is small and dated — 15 self-reported salaries, the latest from March 26, 2025 — but lands in the same range, with a $670,000 median and a middle half between $630,000 and $695,000.

Pediatric surgery is a 2-year fellowship following a 5-year general surgery residency — making it the longest training pathway in all of pediatric medicine. The financial return is proportional. On Doximity's averages, a pediatric surgeon earns about $353,000 more annually than a general pediatrician — a premium that recovers the income given up during the longer training path within the first few years of practice.

The procedural nature of pediatric surgery — resection of solid tumors, correction of congenital anomalies, repair of intestinal malformations, trauma surgery in children — generates both the high wRVU values and the clinical complexity that justifies surgical compensation. Pediatric surgeons are concentrated at children's hospitals and major academic medical centers, where PSLF eligibility is near-universal despite the high income levels.

Neonatology: Procedures, Intensity, and Night Premium

Neonatologists averaged $364,388 in Doximity's 2026 report, about $90,700 above general pediatrics, reflecting both the critical care intensity of managing premature infants and the around-the-clock shift demands of NICU coverage. Neonatology fellowship is 3 years, following a 3-year pediatric residency — a 6-year training commitment after medical school graduation.

Neonatologists perform intubations, umbilical line placements, chest tube insertions, and lumbar punctures in the smallest and most fragile patients in medicine. The procedural component drives wRVU production that pure cognitive subspecialties cannot match. Neonatologists outside academic settings earn more than academic counterparts: on Marit, they average $391,743 versus $370,728 in academic roles, across 220 neonatologist salaries.

Pediatric Cardiology: Procedures and Research

Pediatric cardiologists averaged $365,395 in Doximity's 2026 report and $391,500 across 105 salaries on Marit — with the interventional subspecialty (cardiac catheterization, device placement, balloon valvuloplasty) commanding a further premium over non-invasive pediatric cardiology. Like its adult counterpart, pediatric interventional cardiology produces procedural billing that drives compensation above the cognitive pediatric cardiology average.

The 3-year fellowship plus additional interventional training makes pediatric cardiology one of the longest pediatric subspecialty pathways. And the income premium over general pediatrics is smaller than it looks: about $91,700 a year on Doximity's averages, which takes roughly six years of practice to recover the income given up during a 3-year fellowship (assuming a fellowship stipend of about $80,000) before it starts building a lifetime income advantage.

The Low-ROI Subspecialties: Endocrinology, Rheumatology, and Infectious Disease

According to Doximity's 2026 report, the average pediatric endocrinologist makes $242,274 per year — about $31,400 less than the $273,665 average for general pediatrics. Pediatric endocrinology fellowship adds 2 to 3 years of training for a negative financial return relative to general pediatrics.

The same structural dynamics that suppress adult endocrinology income — cognitive-only specialty, no procedures, predominantly chronic disease management — are amplified in pediatrics because the pediatric patient population adds Medicaid prevalence and academic concentration. Pediatric rheumatology ($236,011) and pediatric infectious disease ($217,819) follow the same pattern in Doximity's data.

Pediatric endocrinologists manage complex chronic conditions but perform no procedures. Their work is essential, intellectually demanding, and poorly compensated relative to training length.

Physicians pursuing these subspecialties do so for the clinical passion, the research opportunities, and the intellectual engagement of their conditions — not for financial optimization. The PSLF angle is particularly important for low-paying pediatric subspecialists: a physician earning $240,000 at an academic children's hospital with $280,000 in federal loans receives a larger proportional PSLF benefit relative to their income than a physician earning $450,000. The forgiveness value — the same tax-free amount regardless of income — represents a higher percentage of the low-earning subspecialist's income, making PSLF more financially significant for them than for their higher-compensated peers.


Pediatrician Salary by Career Stage

Related reading: See where pediatrician ranks in physician wealth in our Physician Net Worth by Specialty rankings.

Early career Pediatrics physicians (0–3 years experience) frequently receive bonus packages including signing bonuses, relocation allowances, and productivity incentives as part of their initial offer.

  • •Pediatric residency (PGY-1 through PGY-3): Resident stipends run $68,000 to $80,000 depending on year and program location. Fellowship adds 2 to 3 additional years at $73,000 to $90,000 annually.
  • •New attending (0–2 years): SalaryDr's pediatrician reports average $260,000 at this stage (20 reports). Academic starting salaries tend to sit below community employed offers. Signing bonuses are increasingly standard, particularly in markets with pediatric physician shortages.
  • •Early to mid-career (3–10 years): Panel growth and productivity bonus kicks in for employed pediatricians. SalaryDr's reports average $286,532 at 3–5 years (57 reports) and $335,379 at 6–10 years (103 reports). DPC practices built in these years can outearn employed positions for pediatricians with the entrepreneurial capacity to build a membership panel.
  • •Senior physician (11+ years): SalaryDr's reports average $416,754 at 11–15 years (57 reports) and $351,042 at 16 or more years (35 reports). Administrative roles — medical director, department chief — add stipends above clinical compensation for pediatricians who pursue leadership. Marit's experience curve is flatter, rising from $220,000 at 0–2 years to $268,500 at 11 or more years.

Geographic Variation: Where Pediatricians Earn the Most

Geographic compensation variation in pediatrics follows a different pattern than most specialties. Higher cost-of-living markets do not consistently pay more — because pediatric practice economics are constrained by payer mix regardless of geography.

The state rankings bear that out. On Marit, the highest state averages for pediatricians are in Wisconsin ($336,500), Iowa ($328,000), and Oklahoma ($317,000), though each rests on only 9 to 12 salaries, and by region pay runs from $300,000 in the West & Pacific Islands to $236,500 in the Mid-Atlantic. With samples that small, the order can change as new salaries come in.

But the income tax reality modifies the geographic comparison meaningfully. Texas has no state income tax. California's 2025 rate schedule taxes a single filer's income between $72,724 and $371,479 at 9.3 percent, so a pediatrician paid $325,000 there owes roughly $26,000 in state income tax. That alone more than erases a $20,000 salary advantage over the same job in Texas.

The rural shortage premium shows up clearly in pediatrics. Children's healthcare access in rural areas is acutely constrained, and Marit's pediatricians in rural areas report $288,000, against $243,500 in the largest metros. Combined with NHSC loan repayment eligibility and PSLF qualification at most rural health facilities, the total financial package for a rural pediatrician can compare well with far higher-cost metro offers.


PSLF and Pediatrics: The Most Important Financial Decision

Given the lower salary trajectory in pediatrics, Public Service Loan Forgiveness (PSLF) is arguably the most impactful financial decision a pediatrician can make.

This statement is not hyperbole. Here is the math for a general pediatrician:

Profile: General pediatrician, hospital-employed at a nonprofit children's hospital, $270,000 attending salary, $280,000 in federal student loans, IBR enrolled from day one of residency (3-year residency = 36 qualifying payments accumulated).

PSLF path:

  • •AGI after retirement contributions ($40,750): approximately $229,250
  • •Discretionary income ($229,250 − $23,940, which is 150% of the 2026 HHS poverty guideline for a one-person household): $205,310
  • •Annual IBR payment (10%): $20,531 = $1,711/month

Remaining qualifying months to reach 120: 84 (36 residency + 84 attending = 120)

Total attending-year PSLF payments: $1,711 × 84 = $143,724

Remaining loan balance at forgiveness: approximately $300,000 (original balance plus accrued unpaid interest) — forgiven tax-free.

Refinancing alternative:

$280,000 at 5.5% over 7 years: about $4,024/month = about $338,000 total paid

The True Value of PSLF

PSLF total advantage: about $338,000 − $143,724 = about $194,000 less paid in total — because the roughly $300,000 balance left after 120 payments is forgiven tax-free, while the refinanced loan must be repaid in full.

For a general pediatrician earning $270,000, the PSLF advantage over refinancing is worth more than 70 percent of a full year's gross clinical income. No other single financial decision available to a general pediatrician produces comparable financial impact. Use our PSLF Calculator to model the exact calculation for your specific loan balance and income.


The Gender Dimension in Pediatrics

Pediatrics is a majority-female specialty — approximately 65 percent of currently practicing pediatricians are women, and over 75 percent of current pediatric residents are women. Despite this demographic reality, a documented gender pay gap persists.

As Medscape wrote, "In short, if you were looking for progress with pay differentials for female physicians — be they structural or based on individual doctors' career choices — you won't find it in these data."

On Marit, male pediatricians report $287,000 against $254,500 for women — a 12.8 percent gap, based on reports from 204 men and 346 women. Marit attributes much of it to differences in hours, setting mix, and how part-time and flexible schedules are structured and negotiated. Across all specialties, Doximity's 2026 report puts the model-adjusted physician gender pay gap at 26 percent.

For women entering pediatrics — which represents the vast majority of current pediatric trainees — this data is both informational and actionable. Benchmark data for your specialty, setting, and market is the most powerful tool in any compensation negotiation. Knowing the number before entering the conversation is the difference between accepting below-market compensation and negotiating from a position of informed data.


What a Competitive Compensation Package Looks Like

  • •General outpatient pediatrics, community nonprofit hospital: Base salary with quality and productivity bonuses; benchmark the total against the $273,665 Doximity average and SalaryDr's $305,000 median. PSLF qualifying. Signing bonus. Employer-paid malpractice. Standard 4-day clinic week.
  • •Pediatric hospitalist, children's hospital system: Shift-based pay, with Marit's reported median at $250,000. 7-on/7-off or equivalent block scheduling. PSLF qualifying at most children's hospital employers. Make sure overnight coverage is paid separately rather than folded into base.
  • •Academic general pediatrics: Protected teaching and research time; Marit's academic pediatricians average $247,000. Full PSLF qualifying employer. Lower compensation offset by forgiveness value and academic mission.
  • •Rural general pediatrics, NHSC-qualifying site: Rural pediatricians average $288,000 on Marit. Relocation package and NHSC loan repayment (up to $75,000 over 2 years for full-time primary care in the 2026 cycle). PSLF qualifying.
  • •Neonatology, community hospital NICU: Shift structure and overnight premium; non-academic neonatologists average $391,743 on Marit. PSLF qualifying at nonprofit hospitals.
  • •Pediatric cardiology, children's hospital: Benchmark against the $365,395 Doximity average. Academic positions tend to pay less, with research time protection. Community and interventional positions pay more.

Use our Contract Analyzer to break any pediatric offer into base salary, wRVU production pay, and bonuses.


Frequently Asked Questions

What is the average pediatrician salary in 2026?

Pediatricians averaged $273,665 in Doximity's 2026 Physician Compensation Report (2025 survey data), and Medscape's 2026 report puts the average at $266,000. On SalaryDr, the median of 272 approved, self-reported pediatrician salaries is $305,000 (reports through September 18, 2026), and the middle half of those reports falls between $270,000 and $343,750. Subspecialty choice moves pay far more than that: in Doximity's data, pediatric surgeons averaged $627,126 and pediatric infectious disease specialists $217,819.

Why do pediatricians earn less than other doctors?

Pediatricians earn less primarily because Medicaid reimburses at lower rates than Medicare and commercial insurance, and approximately 40% of pediatric patients nationally are Medicaid-insured. Additionally, well-child visits and preventive care generate lower RVUs than the procedures and surgeries performed by other specialties. The combination of Medicaid payer mix and preventive care volume creates structural income constraints in general outpatient pediatrics that employer subsidies in hospital settings partially offset.

Is pediatrics worth it financially?

For physicians who have chosen pediatrics for the right reasons — working with children, longitudinal family relationships, the preventive medicine mission — the financial answer depends heavily on two decisions: subspecialty choice and student loan strategy. General pediatrics at a nonprofit employer pursuing PSLF is financially rational and increasingly favorable relative to the income it generates in isolation. Subspecialty pediatrics (cardiology, neonatology) pays above adult primary care, and pediatric surgery ranks among the highest-paid specialties in medicine. The physicians for whom pediatrics is least financially sustainable are those who refinance federal loans unnecessarily and practice in outpatient private practice settings that bear full Medicaid collection risk.

What pediatric subspecialty pays the most?

Pediatric surgery, by a wide margin. Pediatric surgeons averaged $627,126 in Doximity's 2026 report, and SalaryDr's small sample (15 self-reported salaries, the latest from March 2025) puts the median at $670,000. Pediatric cardiology ($365,395) and neonatology ($364,388) follow in Doximity's data, then pediatric emergency medicine ($332,579). Pediatric endocrinology ($242,274), rheumatology ($236,011), and infectious disease ($217,819) are the lowest-compensating fellowships in the specialty, averaging less than general pediatrics ($273,665).

Should pediatricians pursue PSLF or refinance their student loans?

For general pediatricians at nonprofit hospitals, academic centers, or children's hospital systems, PSLF is almost universally the superior choice. The forgiveness value — $200,000 to $350,000 in tax-free loan forgiveness — represents a larger proportion of a general pediatrician's income than for any other physician specialty. The combination of lower income (driving lower IBR payments) and high PSLF-qualifying employer concentration makes pediatrics the specialty where PSLF provides the greatest relative financial benefit. See our PSLF vs. Refinancing guide for the complete analysis.

Do pediatricians qualify for NHSC loan repayment?

Yes — general pediatricians practicing in HPSA-designated shortage areas qualify for NHSC loan repayment, which in its 2026 cycle offers primary care physicians up to $75,000 for a full-time, 2-year service commitment, exempt from federal income and employment taxes. Primary care pediatrics is among the most NHSC-eligible specialties given widespread pediatric physician shortage designations across rural and underserved markets. NHSC repayment can be stacked with PSLF qualifying employment at FQHC and community health center sites, creating a combined loan repayment strategy that eliminates $200,000 to $300,000 in student debt over the first decade of practice.

For a complete comparison of physician salaries across all specialties including Doximity, Medscape, and SalaryDr data, see our Physician Salary by Specialty guide.

Use our PSLF Calculator to model your specific loan forgiveness value and compare it to refinancing under our Student Loan Payoff Calculator.

Related reading: Internal Medicine Salary vs. Fellowship Subspecialties (2026) · Family Medicine Physician Salary (2026) · PSLF vs. Refinancing for Physicians · Hospitalist Salary (2026)

Disclaimer: Salary figures in this article come from Doximity, Medscape, SalaryDr, and Marit Health, as cited in each section, and were checked on September 27, 2026. Individual compensation varies significantly based on subspecialty, practice setting, geographic location, experience, and negotiation. This article is for educational and benchmarking purposes only and does not constitute financial, legal, or career advice. MedMoneyGuide has no affiliate or advertising relationships with the companies it covers.

Joshua Dunigan, DO

About the Author

Joshua Dunigan, DO | Family Medicine Resident & Founder

I'm a family medicine resident physician at Broadlawns Medical Center in Des Moines, Iowa (class of 2027). I founded MedMoneyGuide to give physicians specialty-specific financial guidance, with sources you can check.