Insurance Underwriters Salary
Insurance Underwriters in Houston-Pasadena-The Woodlands, TX make a median of $77,770 a year, or about $37.39 an hour. The range runs from $52K at the entry level to $136K for experienced workers. Adjusted for local prices (RPP 98.63), that's roughly $78,850 in purchasing power. Rent on a 2-bedroom averages $1,573/month, or 29.1% of estimated take-home pay.
So what does $78K get you in Houston-Pasadena-The Woodlands?
Groceries, utilities, transportation, and healthcare scaled from national averages by Houston-Pasadena-The Woodlands’s Regional Price Parity (98.63). 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 Houston-Pasadena-The Woodlands
Insurance underwriters pay in Houston-Pasadena-The Woodlands tracks closely to the national median, $78K locally vs. $81K nationwide, a 4% difference. Rent runs $1,573/month for a 2-bedroom (HUD FMR), taking 29.9% of the median take-home. That's within the 30% rule, though not by much. Cost of living (RPP 98.63) is near the national average, so spending patterns here track the typical American budget fairly closely. Pay and costs are both near average, leaving limited margin for savings at the median wage.
Compared to nearby metros
Median pay for insurance underwriters in metros near Houston-Pasadena-The Woodlands, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Dallas-Fort Worth-Arlington | $80K | $77K |
| San Antonio-New Braunfels | $76K | $80K |
| Austin-Round Rock-San Marcos | $76K | $77K |
| Waco | $62K | $67K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Houston-Pasadena-The Woodlands, TX
Entry-level insurance underwriters (10th percentile) start around $52K. Mid-career wages sit at $78K. Top earners bring in $136K or more, a $84K 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 with published data
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 Houston-Pasadena-The Woodlands numbers change.
Related careers in Business & Finance
Frequently asked questions
Can a insurance underwriter afford a 2BR apartment alone in Houston-Pasadena-The Woodlands?
Yes — at the median salary of $78K, rent takes 29.9% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,573/month. That stays under the 30% guideline most financial planners use.
What’s the entry-level salary for insurance underwriters in Houston-Pasadena-The Woodlands?
The 10th-percentile wage — what new insurance underwriters typically earn — is $52K/year. Take-home on that works out to about $3,149/month. At HUD’s $1,573/month FMR, rent would take 50% 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 Houston-Pasadena-The Woodlands?
Pay here is roughly in line with the national average — $78K locally vs. $81K nationally, a 4% difference.
How does Houston-Pasadena-The Woodlands compare to the national average for insurance underwriters?
Houston-Pasadena-The Woodlands pays $78K median vs. the U.S. average of $81K — that’s -4%. After adjusting for local cost of living (RPP 98.63), the purchasing-power equivalent is $79K — below the national median.
How much do insurance underwriters make in Houston-Pasadena-The Woodlands, TX?
The median is $77,770 a year, that works out to about $37 an hour. But the range is wide: entry-level workers start around $52,490, and experienced insurance underwriters can clear $136,490. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $78K enough to live in Houston-Pasadena-The Woodlands?
On that salary, you'd take home roughly $5,258/month after taxes. A 2-bedroom here rents for about $1,573/month, which eats 29.9% 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 Houston-Pasadena-The Woodlands?
Houston-Pasadena-The Woodlands has a Regional Price Parity of 98.63 (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 $78,850 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.