Insurance Underwriters in Vermont
May 2025 wages · tax year 2026
You keep
$60,659
after federal, FICA and Vermont tax
Tax takes
$17,331
22.2% of the whole
Worth, in national money
$62,771
Vermont costs less than average
On that salary you would be around the 25th percentile for this work in Vermont — 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
$77,990
Kept after tax
$60,659
Worth in national money
$62,771
State rank
31
of 49 states
What this pays, and what it is worth
- Middling, nationally. Vermont pays insurance underwriters around $77,990 at the midpoint, 31 of 49 states. The interesting numbers on this page are the two below it.
- Middle of the local pack. Of 453 occupations Vermont reports figures for, this is number 127.
- Cheaper living works in this state's favor. From $77,990 you keep $60,659 after tax, and local prices stretch that to the equivalent of $62,771 at national prices. Averages run higher here, $81,310, since top earners drag the number up.
- For insurance underwriters the Vermont median is $77,990, ranking 31 of 49 states reporting. Mid-band nominal positions are the ones most frequently reordered by the adjustments, because no large wage premium exists to absorb a state's tax or price level.
- In Vermont's occupational distribution, insurance underwriters sits at 127 of 453 — 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.
- Retained pay in Vermont is $60,659 after the full tax stack, from $77,990. Because the state's price level runs below the national average, the price-adjusted equivalent is $62,771 — a real-terms figure describing purchasing power rather than compensation, and not a number that appears on any pay stub. Mean pay of $81,310 exceeds the median, so the upper tail is doing the work.
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Pay band: Insurance Underwriters
The state median for this job
| Lowest tenth earn under | $62,100 |
|---|---|
| Half earn under | $77,990 |
| Top tenth earn over | $101,440 |
| This salary | $77,990 |
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 Vermont | $60,659 |
|---|---|
| Take-home in Texas | $63,696 |
| Once local prices are leveledBEA price parity | +$2,776 |
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 | $73,673 |
|---|---|
| You could take a cut of | −$3,835 |
| Prices in Texas | 97 vs 97 |
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 Vermont earn under $77,990 and half over. The published range runs $62,100 at the tenth percentile to $101,440 at the ninetieth. Experience and employer move an individual a long way inside that.
- That $60,659 take-home in Vermont comes from $77,990. It is the no-frills case: single filer, standard deduction, nothing set aside before tax. Real circumstances almost always reduce the tax. City and school-district taxes are not counted at all. Locally the work ranks 127 of 453.
- The wage data and the price data come from different years. That is how each is published. The price adjustment behind $62,771 uses one figure for the whole of Vermont. A city and a rural county there can differ by more than two states do. Out of 453 occupations the state publishes, this one sits at 127.
- Figures are distribution medians for insurance underwriters in Vermont, not entry or offer rates. The published band runs $62,100 to $101,440; 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.
- Retained pay of $60,659, from $77,990, assumes a single Vermont filer with the standard deduction and no elective deferrals. Pre-tax retirement or HSA contributions, dependants and itemized deductions all reduce it further; local income taxes, excluded here, would increase it in the states that levy them. This occupation ranks 127 of 453 locally, and the state ranks 31 of 49 for it.
- Wage and price series carry different reference periods, each published on its own schedule. The real-terms figure of $62,771, worked from $77,990, 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 Vermont address, on work sitting at 127 of 453 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 $81,310, pulled upward by the top of the range, which is why the middle is the fairer number to plan against.
How much does pay for this job actually vary?
Less than you might expect. The bottom tenth earn $62,100 and the top tenth $101,440, so most people doing this work in Vermont sit within a fairly tight band.
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 $62,771.
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 Vermont adds its own income tax on top — which is why $60,659 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 Vermont is $81,310. 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 is the dispersion of this occupation's wage distribution?
The tenth-to-ninetieth percentile span ($62,100 to $101,440) sits at or below the family's median dispersion, indicating relatively standardized compensation. Percentiles are published per state, so this dispersion is specific to Vermont rather than a national figure.
What is this occupation's price-adjusted compensation in this state?
Vermont'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 $62,771 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 $60,659 reflects federal income tax, OASDI, Medicare and Vermont 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.