Insurance Sales Agents in New Jersey
May 2025 wages · tax year 2026
You keep
$63,253
after federal, FICA and New Jersey tax
Tax takes
$18,387
22.5% of the whole
Worth, in national money
$58,093
New Jersey costs more than average
On that salary you would be around the 25th percentile for this work in New Jersey — roughly, since only five points along the band are published.
One filer, standard deduction, no dependants and nothing paid in before tax — the same household the rest of this page uses, so the comparison holds. City and school-district income taxes are not included.
Median here
$81,640
Kept after tax
$63,253
Worth in national money
$58,093
State rank
2
of 51 states
What this pays, and what it is worth
- This is a good state for the work. New Jersey pays insurance sales agents a middle wage of $81,640, ranking 2 of 51 states and sitting about 31.09% above the national middle.
- Against other work in New Jersey, this sits in the middle: 165 of 490 occupations with published pay. Solidly ordinary for the state, which is not the same as ordinary nationally.
- The wage here flatters the reality. From $81,640 the take-home is $63,253. But New Jersey costs more than the national average, so that money behaves more like $58,093 would elsewhere. Worth knowing before comparing offers across states. The average is higher, $102,460, because the best-paid pull it up.
- New Jersey's median for insurance sales agents is $81,640, about 31.09% above the national figure and 2 of 51 states reporting. Whether that premium reaches the worker depends on the two adjustments below, which is the part a wage table cannot tell you.
- Insurance sales agents ranks 165 of 490 occupations in New Jersey by median pay, in the middle bands. Within-state and national positions are separate measurements and a job commonly sits in different quartiles on each.
- Retained pay after federal, FICA and New Jersey income tax is $63,253 for insurance sales agents, from $81,640. The state's price level exceeds the national average, so the price-adjusted equivalent is $58,093. ⚠️ This is purchasing power and not a wage; cross-state offer comparisons that stop at the nominal figure systematically overvalue high-cost states. The mean of $102,460 sits above the median, the right skew typical of wage data.
Compare this career across states
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Pay band: Insurance Sales Agents
The state median for this job
| Lowest tenth earn under | $49,330 |
|---|---|
| Half earn under | $81,640 |
| Top tenth earn over | $169,770 |
| This salary | $81,640 |
Positions between the published tenth, quarter, half, three-quarter and ninetieth points are estimated by straight line.
The same pay, somewhere else
The state median for this job
| Take-home in New Jersey | $63,253 |
|---|---|
| Take-home in Texas | $66,264 |
| Once local prices are leveledBEA price parity | +$10,097 |
State income tax and state price levels only. No city income tax, and no housing market.
What you would need there
The state median for this job
| To match take-home only | $77,361 |
|---|---|
| You could take a cut of | −$13,947 |
| Prices in Texas | 97 vs 109 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Half the people doing this work in New Jersey earn less than $81,640. The published range is $49,330 up to $169,770, so an individual figure can sit a long way from the middle in either direction.
- In New Jersey the take-home figure of $63,253, from $81,640, assumes one filer, no dependants, and nothing paid into a pension before tax. Each of those lowers the bill, so treat it as the plain case. City and school-district income taxes are not included either, and in a few states those are real money. It ranks 165 of 490 occupations here.
- The wage data and the price data come from different years. That is how each is published. The price adjustment behind $58,093 uses one figure for the whole of New Jersey. A city and a rural county there can differ by more than two states do. Out of 490 occupations the state publishes, this one sits at 165.
- Reported values are medians; for insurance sales agents in New Jersey the tenth-to-ninetieth percentile band is $49,330 to $169,770. Neither the median nor the band is an offer rate, and neither accounts for hours, shift differentials or overtime.
- Take-home for New Jersey is computed for a single filer taking the standard deduction with no dependants and no pre-tax contributions, giving $63,253 from $81,640. Each omitted item reduces taxable income, so the figure is a lower bound on retained pay for this household shape. Municipal and school-district income taxes are excluded, which understates the burden materially in Ohio, Pennsylvania and Maryland. The occupation ranks 165 of 490 locally.
- Wage and price series carry different reference periods, each published on its own schedule. The real-terms figure of $58,093, worked from $81,640, deflates by a statewide parity that conceals substantial intra-state variation, concentrated in housing — so it supports comparison between states rather than the pricing of a move to a particular New Jersey address, on work sitting at 165 of 490 locally.
Questions people ask
Is this the average pay for the job?
It is the midpoint, not the average. The average here is $102,460, dragged up by high earners; the middle figure describes a typical worker better.
Why is the pay range for this job so wide?
One title, many jobs. The lowest tenth take $49,330, the highest tenth $169,770, and what separates them is experience, employer and what exactly the role does.
Does a bigger number here mean I am better off?
Not on its own. Prices in New Jersey run above the national level, so the same dollars buy less here. Adjusted for that, this pay is worth $58,093 — the wage did not change, only what it covers.
Where does the difference between the wage and my paycheck go?
Into four separate taxes, not one. Federal income tax, Social Security and Medicare apply everywhere, and New Jersey adds its own income tax on top — which is why $63,253 of this wage survives to your account.
Can I compare this job across every state?
This occupation is published everywhere — all 51 of them — so comparing states measures real differences rather than gaps in the data.
How does the published median differ from the mean for this occupation?
The median is the midpoint of the distribution; the mean for this occupation in New Jersey is $102,460. Wage distributions are right-skewed, so the mean exceeds the median wherever a minority earn substantially more. BLS publishes both because substituting one for the other misstates a typical worker's pay.
What drives the percentile dispersion in this occupation?
Dispersion between the tenth percentile ($49,330) and the ninetieth ($169,770) exceeds the family median dispersion. SOC codes aggregate roles differing in seniority, industry and specialisation, and BLS does not disaggregate below the detailed occupation level, so within-title variance is not separable from the published series.
How does the state price level affect real compensation?
New Jersey's regional price parity sits above the national average, so nominal wages overstate purchasing power. Deflating take-home by the state price level gives $58,093 in national-average terms. ⚠️ RPPs are an all-items index; housing parities vary far more widely than the headline figure.
What accounts for the gap between gross wage and take-home here?
Take-home of $63,253 reflects federal income tax, OASDI, Medicare and New Jersey income tax for a single filer with no adjustments. The state layer is levied in addition to the federal one; only its rate and base differ between states.
Is this occupation's state coverage complete?
State-level estimates are published for all 51 jurisdictions for this occupation, so cross-state comparison is not confounded by suppression. ⚠️ Estimates remain survey-based and carry sampling error; small differences between adjacent states should not be over-read.