Insurance Underwriters in Florida
May 2025 wages · tax year 2026
You keep
$64,210
after federal, FICA and Florida tax
Tax takes
$14,510
18.4% of the whole
Worth, in national money
$62,067
Florida costs more than average
On that salary you would be around the 25th percentile for this work in Florida — 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
$78,720
Kept after tax
$64,210
Worth in national money
$62,067
State rank
30
of 49 states
What this pays, and what it is worth
- Neither high nor low. Florida is 30 of 49 states for insurance underwriters, with a middle wage of $78,720. What that is worth is the question the rest of this page answers.
- This is one of the better-paid jobs in Florida. It ranks 108 out of 493 occupations the state publishes figures for, which puts it in the top quarter locally.
- Florida is an expensive state, and the adjusted figure shows it. From $78,720 the take-home is $64,210; in national-average money that behaves like $62,067. The average comes to $89,040, above the middle, thanks to the top of the range.
- Florida ranks 30 of 49 for insurance underwriters at $78,720. The nominal figure is unremarkable; the adjusted figures are where the state's actual position for this occupation is determined.
- Within Florida, insurance underwriters ranks 108 of 493 occupations by median pay, placing it in the top quartile of the local distribution. This is the comparison a resident actually makes — against neighbors rather than against the same job elsewhere.
- Take-home for insurance underwriters in Florida, on $78,720, is $64,210; deflated by the state's price level, $62,067. ⚠️ The deflator is statewide, so it understates the erosion in the state's metropolitan areas and overstates it outside them. At $89,040 the mean overshoots the median — the usual right-skewed shape.
Compare this career across states
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Pay band: Insurance Underwriters
The state median for this job
| Lowest tenth earn under | $49,880 |
|---|---|
| Half earn under | $78,720 |
| Top tenth earn over | $134,850 |
| This salary | $78,720 |
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 Florida | $64,210 |
|---|---|
| Take-home in Texas | $64,210 |
| Once local prices are leveledBEA price parity | +$4,009 |
The raise and the real gain point in opposite directions here.
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 | $78,720 |
|---|---|
| You could take a cut of | −$5,538 |
| Prices in Texas | 97 vs 103 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Treat $78,720 as a midpoint for Florida, not a promise. The tenth percentile is $49,880 and the ninetieth is $134,850 — a wide band, and where you land in it depends on far more than the state.
- In Florida the take-home figure of $64,210, from $78,720, 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 108 of 493 occupations here.
- One number stands for prices across all of Florida, which is a simplification — big cities cost far more than small towns. Read $62,067, the adjusted value of that $78,720 median, as a way to compare states fairly, not as a quote for any particular place. The two datasets are also from different years. This job sits at 108 of 493 in the state.
- The Florida median of $78,720 describes the midpoint of a distribution spanning $49,880 to $134,850. Because that spread is typically larger than the interstate spread, a state median is a weak predictor for any individual worker in this occupation.
- Take-home for Florida is computed for a single filer taking the standard deduction with no dependants and no pre-tax contributions, giving $64,210 from $78,720. 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 108 of 493 locally.
- Price deflation uses one statewide parity for Florida, so $62,067 — the adjusted value of that $78,720 median — establishes comparability between states rather than accuracy within one. The wage and parity series are dated independently, each following its own publication cycle, and neither is projected forward. This occupation sits at 108 of 493 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 $89,040, 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?
One title, many jobs. The lowest tenth take $49,880, the highest tenth $134,850, 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 Florida run above the national level, so the same dollars buy less here. Adjusted for that, this pay is worth $62,067 — the wage did not change, only what it covers.
Is most of this wage taxed away?
Less than people assume. $64,210 of this wage reaches your account, because Florida takes no income tax from wages — but federal tax, Social Security and Medicare still apply exactly as they do everywhere else.
Why is this job missing from some states?
A blank is a suppression, not a zero. 49 states have a published figure for this work; the others had too few responses to release one.
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 Florida is $89,040. 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 ($49,880) and the ninetieth ($134,850) 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?
Florida's regional price parity sits above the national average, so nominal wages overstate purchasing power. Deflating take-home by the state price level gives $62,067 in national-average terms. ⚠️ RPPs are an all-items index; housing parities vary far more widely than the headline figure.
Why is the take-home ratio comparatively high in this state?
Florida levies no personal income tax on wages, so take-home of $64,210 reflects the federal layer and FICA alone. Federal income tax and FICA are unchanged; states without a wage income tax generally recover revenue through consumption and property bases instead.
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.