Insurance Underwriters Salary
Insurance Underwriters in Sioux City, IA-NE-SD make a median of $74,130 a year, or about $35.64 an hour. The range runs from $65K at the entry level to $104K for experienced workers. Cost of living is below average (RPP 86.45), which stretches that salary to about $85,749 in buying power. Rent on a 2-bedroom averages $1,154/month, or 23.7% of estimated take-home pay.
So what does $74K get you in Sioux City?
Groceries, utilities, transportation, and healthcare scaled from national averages by Sioux City’s Regional Price Parity (86.45). 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 Sioux City
Insurance underwriters pay in Sioux City tracks closely to the national median, $74K locally vs. $81K nationwide, a 9% difference. Housing is manageable: a 2-bedroom at the HUD median costs $1,154/month, 24.4% of take-home, well inside the 30% guideline. Regional Price Parity sits at 86.45 (national = 100), meaning everyday costs run about 14% 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 Sioux City, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Des Moines-West Des Moines | $79K | $86K |
| Cedar Rapids | $77K | $87K |
| Davenport-Moline-Rock Island | $80K | $90K |
| Dubuque | $74K | $85K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Sioux City, IA-NE-SD
Entry-level insurance underwriters (10th percentile) start around $65K. Mid-career wages sit at $74K. Top earners bring in $104K or more, a $39K 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 Sioux City numbers change.
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Frequently asked questions
Can a insurance underwriter afford a 2BR apartment alone in Sioux City?
Yes — at the median salary of $74K, rent takes 24.4% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,154/month. That stays under the 30% guideline most financial planners use.
What’s the entry-level salary for insurance underwriters in Sioux City?
The 10th-percentile wage — what new insurance underwriters typically earn — is $65K/year. Take-home on that works out to about $3,886/month. At HUD’s $1,154/month FMR, rent would take 30% of that take-home — manageable on an entry-level income.
Is insurance underwriter a high-paying job in Sioux City?
Pay here is roughly in line with the national average — $74K locally vs. $81K nationally, a 9% difference.
How does Sioux City compare to the national average for insurance underwriters?
Sioux City pays $74K median vs. the U.S. average of $81K — that’s -9%. After adjusting for local cost of living (RPP 86.45), the purchasing-power equivalent is $86K — still ahead of the national median.
How much do insurance underwriters make in Sioux City, IA-NE-SD?
The median is $74,130 a year, that works out to about $36 an hour. But the range is wide: entry-level workers start around $64,760, and experienced insurance underwriters can clear $104,200. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $74K enough to live in Sioux City?
On that salary, you'd take home roughly $4,728/month after taxes. A 2-bedroom here rents for about $1,154/month, which eats 24.4% 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 Sioux City?
Sioux City has a Regional Price Parity of 86.45 (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 $85,749 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.