Insurance Underwriters Salary
Insurance Underwriters in Decatur, AL make a median of $57,850 a year, or about $27.81 an hour. The range runs from $48K at the entry level to $155K for experienced workers.
So what does $58K get you in Decatur?
Groceries, utilities, transportation, and healthcare scaled from national averages by Decatur’s Regional Price Parity (87.2). Rent from HUD Fair Market Rents. Taxes estimated for single filer, standard deduction. * Healthcare is the employee-paid share only (premiums + out-of-pocket). Actual costs vary by coverage type: employer-sponsored, ACA marketplace, or uninsured.
About insurance underwriters
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What this looks like in Decatur
Pay for insurance underwriters in Decatur runs about 29% below the U.S. median of $81K. Rent runs $961/month for a 2-bedroom (HUD FMR), taking 25.2% of the median take-home. That's within the 30% rule, though not by much. Regional Price Parity sits at 87.2 (national = 100), meaning everyday costs run about 13% cheaper here. Your dollar stretches further than the headline salary suggests. Use the affordability calculator above to model your specific situation.
Compared to nearby metros
Median pay for insurance underwriters in metros near Decatur, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Birmingham | $66K | , |
| Montgomery | $57K | , |
| Mobile | $57K | , |
| Daphne-Fairhope-Foley | $44K | , |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Decatur, AL
Entry-level insurance underwriters (10th percentile) start around $48K. Mid-career wages sit at $58K. Top earners bring in $155K or more, a $107K spread from bottom to top.
Insurance Underwriters pay across states
Median income ranked highest to lowest, compared to the national figure
View Insurance Underwriters salary in all states
| State | Median salary | vs. national | Employment |
|---|---|---|---|
| Massachusetts | $107K | +31% | 2,890 |
| New Hampshire | $104K | +28% | 270 |
| Nevada | $101K | +25% | 480 |
| Connecticut | $101K | +24% | 2,010 |
| Colorado | $101K | +24% | 2,040 |
| Washington | $99K | +22% | 1,740 |
| New York | $97K | +20% | 6,900 |
| Wisconsin | $97K | +20% | 3,110 |
| New Jersey | $96K | +18% | 3,150 |
| Maine | $96K | +17% | 520 |
| California | $95K | +17% | 6,580 |
| Maryland | $92K | +13% | 1,310 |
| Illinois | $90K | +10% | N/A |
| Georgia | $86K | +6% | 7,160 |
| Rhode Island | $85K | +4% | 250 |
| South Dakota | $83K | +2% | 210 |
| Arkansas | $82K | +1% | 290 |
| District of Columbia | $82K | +1% | N/A |
| Virginia | $82K | +1% | 2,470 |
| Alaska | $82K | +0% | 100 |
| Minnesota | $81K | -1% | 2,550 |
| Missouri | $80K | -2% | 2,130 |
| Kentucky | $80K | -2% | 900 |
| South Carolina | $80K | -2% | 910 |
| Ohio | $79K | -3% | 5,110 |
| Oregon | $79K | -3% | 570 |
| Pennsylvania | $79K | -3% | 5,160 |
| Texas | $79K | -3% | 9,980 |
| Tennessee | $79K | -3% | 1,250 |
| Florida | $79K | -3% | 7,300 |
| Vermont | $78K | -4% | 210 |
| Arizona | $78K | -4% | 3,360 |
| Indiana | $77K | -5% | 2,170 |
| Michigan | $77K | -5% | 2,590 |
| North Carolina | $77K | -5% | 3,460 |
| Kansas | $77K | -5% | 1,230 |
| Louisiana | $77K | -6% | 1,050 |
| Iowa | $75K | -8% | 1,490 |
| Nebraska | $75K | -8% | 1,410 |
| North Dakota | $74K | -9% | 210 |
| Hawaii | $73K | -10% | 230 |
| Utah | $73K | -11% | 490 |
| Oklahoma | $67K | -18% | 600 |
| New Mexico | $64K | -21% | 100 |
| Montana | $63K | -22% | 140 |
| Idaho | $63K | -23% | 360 |
| Wyoming | $62K | -23% | 50 |
| Alabama | $62K | -24% | 1,540 |
| Mississippi | $59K | -27% | 600 |
Showing 1–10 of 49 states
BLS does not publish data for every state when sample sizes are too small
Track insurance underwriters salary changes
BLS updates this data quarterly. We'll email you when Decatur numbers change.
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Frequently asked questions
Can a insurance underwriter afford a 2BR apartment alone in Decatur?
Yes — at the median salary of $58K, rent takes 25.2% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $961/month. That stays under the 30% guideline most financial planners use.
What’s the entry-level salary for insurance underwriters in Decatur?
The 10th-percentile wage — what new insurance underwriters typically earn — is $48K/year. Take-home on that works out to about $2,906/month. At HUD’s $961/month FMR, rent would take 33% of that take-home — above the 30% guideline, so a 1-bedroom or shared housing is likely necessary starting out.
Is insurance underwriter a high-paying job in Decatur?
Local pay runs 29% below the national median — $58K here vs. $81K nationally. Cost of living is 13% below the national average, which narrows that gap in real purchasing power.
How does Decatur compare to the national average for insurance underwriters?
Decatur pays $58K median vs. the U.S. average of $81K — that’s -29%. After adjusting for local cost of living (RPP 87.2), the purchasing-power equivalent is $66K — below the national median.
How much do insurance underwriters make in Decatur, AL?
The median is $57,850 a year, that works out to about $28 an hour. But the range is wide: entry-level workers start around $48,440, and experienced insurance underwriters can clear $155,080. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $58K enough to live in Decatur?
On that salary, you'd take home roughly $3,816/month after taxes. A 2-bedroom here rents for about $961/month, which eats 25.2% of your paycheck. That's under the 30% guideline most financial planners use, so the numbers work.
How far does a insurance underwriters salary go in Decatur?
Decatur has a Regional Price Parity of 100 (100 is the national average). That's right at the national average. After cost-of-living adjustment, the median insurance underwriters salary is worth about $66,342 in national-average purchasing power.
Where do insurance underwriters get paid the most?
The table above ranks every state by median pay for this role. Keep in mind that the highest-paying states tend to have the highest costs of living, so the top salary doesn't always mean the most money in your pocket.