Insurance Underwriters in Kansas
May 2025 wages · tax year 2026
You keep
$59,037
after federal, FICA and Kansas tax
Tax takes
$18,033
23.4% of the whole
Worth, in national money
$65,622
Kansas costs less than average
On that salary you would be around the 25th percentile for this work in Kansas — 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
$77,070
Kept after tax
$59,037
Worth in national money
$65,622
State rank
36
of 49 states
What this pays, and what it is worth
- Kansas is among the lower-paying states for insurance underwriters. The middle earner takes $77,070, ranking 36 of 49 states — about 5.28% below the national middle. Costs here are often lower too, which the figures further down account for.
- Within Kansas this is well-paid work. Of 488 occupations with published figures in the state, insurance underwriters ranks 113 — in the top quarter of everything people do there.
- Here is where Kansas does better than its wage suggests. From a median of $77,070 you keep $59,037, and because things cost less here than the national average, that behaves like $65,622 would elsewhere. The average is higher, $95,660, because the best-paid pull it up.
- Kansas ranks 36 of 49 for insurance underwriters, with a median of $77,070 — about 5.28% below the national figure. A nominal shortfall is not by itself a real one: lower-paying states frequently carry lower tax and lower price levels, and the adjusted figures below are where that is settled rather than assumed.
- Ranked against every occupation Kansas publishes a median for, insurance underwriters sits 113 of 488 — the upper quartile of the state's wage distribution. National standing and within-state standing are separate questions, and a job can occupy very different positions on each.
- After federal, FICA and Kansas income tax, retained pay for insurance underwriters on $77,070 is $59,037. Deflating by the state's price level — below the national average — gives $65,622 in national-average terms. ⚠️ That figure is purchasing power, not a wage, and nobody is paid it; it is what the take-home buys. The mean of $95,660 sits above the median, the right skew typical of wage data.
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Pay band: Insurance Underwriters
The state median for this job
| Lowest tenth earn under | $49,900 |
|---|---|
| Half earn under | $77,070 |
| Top tenth earn over | $162,210 |
| This salary | $77,070 |
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 Kansas | $59,037 |
|---|---|
| Take-home in Texas | $63,049 |
| Once local prices are leveledBEA price parity | −$740 |
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 | $71,367 |
|---|---|
| Raise you would need | +$1,023 |
| Prices in Texas | 97 vs 90 |
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 Kansas earn under $77,070 and half over. The published range runs $49,900 at the tenth percentile to $162,210 at the ninetieth. Experience and employer move an individual a long way inside that.
- In Kansas the take-home figure of $59,037, from $77,070, 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 113 of 488 occupations here.
- The wage data and the price data come from different years. That is how each is published. The price adjustment behind $65,622 uses one figure for the whole of Kansas. A city and a rural county there can differ by more than two states do. Out of 488 occupations the state publishes, this one sits at 113.
- Figures are distribution medians for insurance underwriters in Kansas, not entry or offer rates. The published band runs $49,900 to $162,210; 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.
- Take-home for Kansas is computed for a single filer taking the standard deduction with no dependants and no pre-tax contributions, giving $59,037 from $77,070. 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 113 of 488 locally.
- Wage and price series carry different reference periods, each published on its own schedule. The real-terms figure of $65,622, worked from $77,070, 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 Kansas address, on work sitting at 113 of 488 locally.
Questions people ask
Is this the average pay for the job?
It is the midpoint, not the average. The average here is $95,660, dragged up by high earners; the middle figure describes a typical worker better.
Why is the pay range for this job so wide?
Because one job title covers very different work. The bottom tenth here earn $49,900 and the top tenth $162,210 — experience, employer and specialism separate them, and a single figure hides all three.
What does this pay actually buy where I live?
A smaller wage in a cheaper place is not automatically less. Adjusted for local prices, this is worth $65,622.
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; Kansas then takes its own share, leaving $59,037.
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 Kansas is $95,660. 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 ($49,900) and the ninetieth ($162,210) 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.
What is this occupation's price-adjusted compensation in this state?
Kansas's regional price parity is at or below the national average, so nominal wages understate purchasing power. Take-home deflated by the state price level is $65,622 in national-average terms. The adjustment uses an all-items index and does not isolate housing.
What accounts for the gap between gross wage and take-home here?
Take-home of $59,037 reflects federal income tax, OASDI, Medicare and Kansas 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.