Insurance Underwriters in Texas
May 2025 wages · tax year 2026
You keep
$64,329
after federal, FICA and Texas tax
Tax takes
$14,561
18.5% of the whole
Worth, in national money
$66,199
Texas costs less than average
On that salary you would be around the 25th percentile for this work in Texas — 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
$78,890
Kept after tax
$64,329
Worth in national money
$66,199
State rank
28
of 49 states
What this pays, and what it is worth
- Neither high nor low. Texas is 28 of 49 states for insurance underwriters, with a middle wage of $78,890. What that is worth is the question the rest of this page answers.
- Within Texas this is well-paid work. Of 493 occupations with published figures in the state, insurance underwriters ranks 120 — in the top quarter of everything people do there.
- No great distortion either way. Texas costs about what the country costs, so from $78,890, take-home of $64,329 is worth roughly $66,199 in national money. The average comes to $88,790, above the middle, thanks to the top of the range.
- Texas ranks 28 of 49 for insurance underwriters at $78,890. The nominal figure is unremarkable; the adjusted figures are where the state's actual position for this occupation is determined.
- Ranked against every occupation Texas publishes a median for, insurance underwriters sits 120 of 493 — 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.
- Price parity in Texas is near the national base, so for insurance underwriters, whose median is $78,890, the adjusted figure of $66,199 differs little from $64,329 retained after tax. The state's position for this occupation is therefore set by wage and tax rather than by living costs. At $88,790 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 | $51,440 |
|---|---|
| Half earn under | $78,890 |
| Top tenth earn over | $135,410 |
| This salary | $78,890 |
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 Texas | $64,329 |
|---|---|
| Take-home in Florida | $64,329 |
| Once local prices are leveledBEA price parity | −$4,017 |
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 | $78,890 |
|---|---|
| Raise you would need | +$5,907 |
| Prices in Florida | 103 vs 97 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Half the people doing this work in Texas earn less than $78,890. The published range is $51,440 up to $135,410, so an individual figure can sit a long way from the middle in either direction.
- In Texas the take-home figure of $64,329, from $78,890, 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 120 of 493 occupations here.
- The wage data and the price data come from different years. That is how each is published. The price adjustment behind $66,199 uses one figure for the whole of Texas. A city and a rural county there can differ by more than two states do. Out of 493 occupations the state publishes, this one sits at 120.
- Reported values are medians; for insurance underwriters in Texas the tenth-to-ninetieth percentile band is $51,440 to $135,410. Neither the median nor the band is an offer rate, and neither accounts for hours, shift differentials or overtime.
- Take-home for Texas is computed for a single filer taking the standard deduction with no dependants and no pre-tax contributions, giving $64,329 from $78,890. 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 120 of 493 locally.
- Wage and price series carry different reference periods, each published on its own schedule. The real-terms figure of $66,199, worked from $78,890, 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 Texas address, on work sitting at 120 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 $88,790, 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 $51,440 at the bottom tenth to $135,410 at the top, the same title covers roles that share little beyond a name.
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 $66,199.
Is most of this wage taxed away?
Most of it arrives. $64,329 lands after tax, since there is no state income tax on wages here — though the federal floor is identical in every state.
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 Texas is $88,790. 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 ($51,440) and the ninetieth ($135,410) 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?
Texas'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 $66,199 in national-average terms. The adjustment uses an all-items index and does not isolate housing.
Why is the take-home ratio comparatively high in this state?
Texas levies no personal income tax on wages, so take-home of $64,329 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.