Insurance Underwriters in Connecticut
May 2025 wages · tax year 2026
You keep
$74,874
after federal, FICA and Connecticut tax
Tax takes
$25,816
25.6% of the whole
Worth, in national money
$72,210
Connecticut costs more than average
On that salary you would be around the 25th percentile for this work in Connecticut — 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
$100,690
Kept after tax
$74,874
Worth in national money
$72,210
State rank
4
of 49 states
What this pays, and what it is worth
- This is a good state for the work. Connecticut pays insurance underwriters a middle wage of $100,690, ranking 4 of 49 states and sitting about 23.74% above the national middle.
- Locally, this pays well. Among 482 occupations Connecticut reports, insurance underwriters comes in at 86 — comfortably in the upper quarter.
- The wage here flatters the reality. From $100,690 the take-home is $74,874. But Connecticut costs more than the national average, so that money behaves more like $72,210 would elsewhere. Worth knowing before comparing offers across states. The average is higher, $106,140, because the best-paid pull it up.
- Connecticut's median for insurance underwriters is $100,690, about 23.74% above the national figure and 4 of 49 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 underwriters ranks 86 of 482 occupations by median in Connecticut, in the top quartile. Within-state position is largely independent of national position, so this holds regardless of how the state compares to others for the same work.
- Retained pay after federal, FICA and Connecticut income tax is $74,874 for insurance underwriters, from $100,690. The state's price level exceeds the national average, so the price-adjusted equivalent is $72,210. ⚠️ 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 $106,140 sits above the median, the right skew typical of wage data.
Compare this career across states
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Pay band: Insurance Underwriters
The state median for this job
| Lowest tenth earn under | $66,450 |
|---|---|
| Half earn under | $100,690 |
| Top tenth earn over | $158,890 |
| This salary | $100,690 |
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 Connecticut | $74,874 |
|---|---|
| Take-home in Texas | $79,665 |
| Once local prices are leveledBEA price parity | +$9,771 |
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 | $93,879 |
|---|---|
| You could take a cut of | −$13,497 |
| Prices in Texas | 97 vs 104 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- A median is the middle, not an offer. Half of insurance underwriters in Connecticut earn under $100,690 and half over. The published range runs $66,450 at the tenth percentile to $158,890 at the ninetieth. Experience and employer move an individual a long way inside that.
- One filer, no dependants, no pension contributions — that is the household behind Connecticut's $74,874, worked from $100,690. That is on purpose. It lets states be compared with each other, not with each other's family circumstances. Local city taxes are left out. Locally this work ranks 86 of 482.
- Two cautions on $72,210, the adjusted value of that $100,690 median. It levels out prices with a single number for all of Connecticut. No actual address matches that. The wage figures and price figures are also from different years. Each is published on its own timetable. This work sits at 86 of 482 locally.
- Figures are distribution medians for insurance underwriters in Connecticut, not entry or offer rates. The published band runs $66,450 to $158,890; within-state dispersion of that width routinely exceeds the dispersion between states, so tenure, employer and metropolitan area predict an individual's pay better than geography does.
- The Connecticut take-home of $74,874, on $100,690 for work ranking 86 of 482 locally, models the simplest household deliberately: holding it constant is what makes the interstate comparison meaningful. It also means the absolute figure overstates liability for most real filers, and municipal income taxes are outside the model entirely. The occupation ranks 86 of 482 in the state.
- This $72,210 adjusted figure, worked from $100,690, rests on a state-level price parity averaging over within-state dispersion larger than much of the between-state dispersion. Wage and price vintages differ by publication schedule. The result is directionally sound and not address-specific, for work at 86 of 482 in the state. The occupation ranks 86 of 482 locally.
Questions people ask
Is this the average pay for the job?
No — it is the middle. Half of these workers earn more and half earn less. The average is $106,140, pulled upward by the top of the range, which is why the middle is the fairer number to plan against.
Why is the pay range for this job so wide?
The label is broader than the work. From $66,450 at the bottom tenth to $158,890 at the top, the same title covers roles that share little beyond a name.
Does a bigger number here mean I am better off?
A larger wage in a dearer place is not automatically more. Adjusted for local prices, this pay behaves like $72,210 of national purchasing power.
Where does the difference between the wage and my paycheck go?
Four deductions, stacked. The federal layer and the two payroll taxes apply wherever you work; Connecticut then takes its own share, leaving $74,874.
Why is this job missing from some states?
The survey withholds small samples rather than publish an unreliable number. Pay appears for 49 states here, and a missing state means too few reports, not no jobs.
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 Connecticut is $106,140. 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 ($66,450) and the ninetieth ($158,890) 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?
Connecticut's regional price parity sits above the national average, so nominal wages overstate purchasing power. Deflating take-home by the state price level gives $72,210 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 $74,874 reflects federal income tax, OASDI, Medicare and Connecticut 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.
Why does this occupation lack published estimates in every state?
BLS suppresses estimates failing disclosure or reliability criteria. This occupation has published state-level estimates in 49 of the fifty-one jurisdictions. Suppression reflects sample size and confidentiality rules, and cannot be read as an absence of employment.