Insurance Underwriters Salary
Insurance Underwriters in Gainesville, FL make a median of $64,270 a year, or about $30.9 an hour. The range runs from $46K at the entry level to $117K for experienced workers. Adjusted for local prices (RPP 96.73), that's roughly $66,443 in purchasing power. A 2-bedroom apartment runs $1,493/month, about 33.4% of take-home, which is tight.
So what does $64K get you in Gainesville?
Groceries, utilities, transportation, and healthcare scaled from national averages by Gainesville’s Regional Price Parity (96.73). 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
Sponsored links, AffordMap may earn a commission at no cost to you. Learn more
What this looks like in Gainesville
Pay for insurance underwriters in Gainesville runs about 21% below the U.S. median of $81K. Rent runs $1,493/month for a 2-bedroom (HUD FMR), taking 33.4% of the median take-home. That's within the 30% rule, though not by much. Cost of living (RPP 96.73) is near the national average, so spending patterns here track the typical American budget fairly closely. Use the affordability calculator above to model your specific situation.
Compared to nearby metros
Median pay for insurance underwriters in metros near Gainesville, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Tampa-St. Petersburg-Clearwater | $78K | $78K |
| Miami-Fort Lauderdale-West Palm Beach | $79K | $70K |
| Orlando-Kissimmee-Sanford | $75K | $74K |
| Jacksonville | $81K | $82K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Gainesville, FL
Entry-level insurance underwriters (10th percentile) start around $46K. Mid-career wages sit at $64K. Top earners bring in $117K or more, a $70K 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 Gainesville numbers change.
Related careers in Business & Finance
Frequently asked questions
Can a insurance underwriter afford a 2BR apartment alone in Gainesville?
It’s a stretch — at the median salary of $64K, rent takes 33.4% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,493/month. The 30% guideline puts the comfortable ceiling at roughly $1,300/month in rent — so roommates or a 1-bedroom would ease the math significantly.
What’s the entry-level salary for insurance underwriters in Gainesville?
The 10th-percentile wage — what new insurance underwriters typically earn — is $46K/year. Take-home on that works out to about $2,779/month. At HUD’s $1,493/month FMR, rent would take 54% 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 Gainesville?
Local pay runs 21% below the national median — $64K here vs. $81K nationally.
How does Gainesville compare to the national average for insurance underwriters?
Gainesville pays $64K median vs. the U.S. average of $81K — that’s -21%. After adjusting for local cost of living (RPP 96.73), the purchasing-power equivalent is $66K — below the national median.
How much do insurance underwriters make in Gainesville, FL?
The median is $64,270 a year, that works out to about $31 an hour. But the range is wide: entry-level workers start around $46,310, and experienced insurance underwriters can clear $116,780. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $64K enough to live in Gainesville?
On that salary, you'd take home roughly $4,467/month after taxes. A 2-bedroom here rents for about $1,493/month, which eats 33.4% of your paycheck. That's above the 30% rule of thumb, housing will be a stretch at the median salary, though you can manage with roommates or a smaller place.
How far does a insurance underwriters salary go in Gainesville?
Gainesville has a Regional Price Parity of 96.73 (100 is the national average). That's below average, your money stretches further here than the raw salary number suggests. After cost-of-living adjustment, the median insurance underwriters salary is worth about $66,443 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.