Insurance Underwriters Salary
Insurance Underwriters in Pensacola-Ferry Pass-Brent, FL make a median of $72,830 a year, or about $35.01 an hour. The range runs from $46K at the entry level to $169K for experienced workers.
So what does $73K get you in Pensacola-Ferry Pass-Brent?
Groceries, utilities, transportation, and healthcare scaled from national averages by Pensacola-Ferry Pass-Brent’s Regional Price Parity (97.7). 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 Pensacola-Ferry Pass-Brent
Insurance underwriters pay in Pensacola-Ferry Pass-Brent tracks closely to the national median, $73K locally vs. $81K nationwide, a 10% difference. Rent runs $1,471/month for a 2-bedroom (HUD FMR), taking 29.6% of the median take-home. That's within the 30% rule, though not by much. Cost of living (RPP 97.7) 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 Pensacola-Ferry Pass-Brent, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Tampa-St. Petersburg-Clearwater | $78K | , |
| Miami-Fort Lauderdale-West Palm Beach | $79K | , |
| Orlando-Kissimmee-Sanford | $75K | , |
| Jacksonville | $81K | , |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Pensacola-Ferry Pass-Brent, FL
Entry-level insurance underwriters (10th percentile) start around $46K. Mid-career wages sit at $73K. Top earners bring in $169K or more, a $123K 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 Pensacola-Ferry Pass-Brent numbers change.
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Frequently asked questions
Can a insurance underwriter afford a 2BR apartment alone in Pensacola-Ferry Pass-Brent?
Yes — at the median salary of $73K, rent takes 29.6% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,471/month. That stays under the 30% guideline most financial planners use.
What’s the entry-level salary for insurance underwriters in Pensacola-Ferry Pass-Brent?
The 10th-percentile wage — what new insurance underwriters typically earn — is $46K/year. Take-home on that works out to about $2,758/month. At HUD’s $1,471/month FMR, rent would take 53% 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 Pensacola-Ferry Pass-Brent?
Pay here is roughly in line with the national average — $73K locally vs. $81K nationally, a 10% difference.
How does Pensacola-Ferry Pass-Brent compare to the national average for insurance underwriters?
Pensacola-Ferry Pass-Brent pays $73K median vs. the U.S. average of $81K — that’s -10%. After adjusting for local cost of living (RPP 97.7), the purchasing-power equivalent is $75K — below the national median.
How much do insurance underwriters make in Pensacola-Ferry Pass-Brent, FL?
The median is $72,830 a year, that works out to about $35 an hour. But the range is wide: entry-level workers start around $45,960, and experienced insurance underwriters can clear $169,070. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $73K enough to live in Pensacola-Ferry Pass-Brent?
On that salary, you'd take home roughly $4,969/month after taxes. A 2-bedroom here rents for about $1,471/month, which eats 29.6% 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 Pensacola-Ferry Pass-Brent?
Pensacola-Ferry Pass-Brent 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 $74,545 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.