Insurance Underwriters in New York
May 2025 wages · tax year 2026
You keep
$72,677
after federal, FICA and New York tax
Tax takes
$24,773
25.4% of the whole
Worth, in national money
$67,527
New York costs more than average
On that salary you would be around the 25th percentile for this work in New York — 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
$97,450
Kept after tax
$72,677
Worth in national money
$67,527
State rank
7
of 49 states
What this pays, and what it is worth
- This is a good state for the work. New York pays insurance underwriters a middle wage of $97,450, ranking 7 of 49 states and sitting about 19.76% above the national middle.
- Middle of the local pack. Of 493 occupations New York reports figures for, this is number 124.
- New York is an expensive state, and the adjusted figure shows it. From $97,450 the take-home is $72,677; in national-average money that behaves like $67,527. The average comes to $110,210, above the middle, thanks to the top of the range.
- New York's median for insurance underwriters is $97,450, about 19.76% above the national figure and 7 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.
- In New York's occupational distribution, insurance underwriters sits at 124 of 493 — neither quartile. This local position is what a resident compares against, and it is determined by the state's own labor market rather than by national patterns for this occupation.
- Take-home for insurance underwriters in New York, on $97,450, is $72,677; deflated by the state's price level, $67,527. ⚠️ The deflator is statewide, so it understates the erosion in the state's metropolitan areas and overstates it outside them. At $110,210 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 | $65,160 |
|---|---|
| Half earn under | $97,450 |
| Top tenth earn over | $168,790 |
| This salary | $97,450 |
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 York | $72,677 |
|---|---|
| Take-home in Texas | $77,386 |
| Once local prices are leveledBEA price parity | +$12,109 |
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 | $90,756 |
|---|---|
| You could take a cut of | −$16,726 |
| Prices in Texas | 97 vs 108 |
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 York earn less than $97,450. The published range is $65,160 up to $168,790, so an individual figure can sit a long way from the middle in either direction.
- In New York the take-home figure of $72,677, from $97,450, 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 124 of 493 occupations here.
- One number stands for prices across all of New York, which is a simplification — big cities cost far more than small towns. Read $67,527, the adjusted value of that $97,450 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 124 of 493 in the state.
- Reported values are medians; for insurance underwriters in New York the tenth-to-ninetieth percentile band is $65,160 to $168,790. Neither the median nor the band is an offer rate, and neither accounts for hours, shift differentials or overtime.
- Take-home for New York is computed for a single filer taking the standard deduction with no dependants and no pre-tax contributions, giving $72,677 from $97,450. 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 124 of 493 locally.
- Price deflation uses one statewide parity for New York, so $67,527 — the adjusted value of that $97,450 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 124 of 493 locally.
Questions people ask
Is this the average pay for the job?
It is the midpoint, not the average. The average here is $110,210, dragged up by high earners; the middle figure describes a typical worker better.
Why is the pay range for this job so wide?
The label is broader than the work. From $65,160 at the bottom tenth to $168,790 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 $67,527 of national purchasing power.
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 York adds its own income tax on top — which is why $72,677 of this wage survives to your account.
Why is this job missing from some states?
Because the survey suppresses a figure when too few employers report it. This occupation has published pay in 49 states — the rest are withheld to protect confidentiality, which is not the same as nobody doing the work there.
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 York is $110,210. 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 ($65,160) and the ninetieth ($168,790) 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 York's regional price parity sits above the national average, so nominal wages overstate purchasing power. Deflating take-home by the state price level gives $67,527 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 $72,677 reflects federal income tax, OASDI, Medicare and New York 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.