Insurance Underwriters Salary
Insurance Underwriters in Texas make a median of $78,890 a year, or about $37.93 an hour. The range runs from $51K at the entry level to $135K for experienced workers. Cost of living is below average (RPP 91.49), which stretches that salary to about $86,228 in buying power. Rent on a 2-bedroom averages $1,415/month, or 25.8% of estimated take-home pay.
Statewide average. Salary and cost of living vary significantly across Texas. Jump to a metro for precise data:
So what does $79K get you in Texas?
About insurance underwriters
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What this looks like in Texas
Insurance underwriters pay in Texas tracks closely to the national median, $79K locally vs. $81K nationwide, a 3% difference. Rent runs $1,415/month for a 2-bedroom (HUD FMR), taking 26.6% of the median take-home. That's within the 30% rule, though not by much. Regional Price Parity sits at 91.49 (national = 100), meaning everyday costs run about 9% cheaper here. Your dollar stretches further than the headline salary suggests. Pay and costs are both near average, leaving limited margin for savings at the median wage.
Compensation breakdown
Annual earnings by percentile, Texas
Entry-level insurance underwriters (10th percentile) start around $51K. Mid-career wages sit at $79K. Top earners bring in $135K or more, a $84K spread from bottom to top.
Insurance Underwriters salary by metro in Texas
5 metro areas with BLS data, ranked by median pay
| Metro area | Median salary | vs. state | Employment |
|---|---|---|---|
| Dallas-Fort Worth-Arlington | $80K | +1% | 4,140 |
| Houston-Pasadena-The Woodlands | $78K | -1% | 1,520 |
| Austin-Round Rock-San Marcos | $76K | -4% | 870 |
| San Antonio-New Braunfels | $76K | -4% | 1,070 |
| Waco | $62K | -22% | 160 |
Compare to other states
Track insurance underwriters salary changes
BLS updates this data quarterly. We'll email you when Texas numbers change.
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Frequently asked questions
Can a insurance underwriter afford a 2BR apartment alone in Texas?
Yes — at the median salary of $79K, rent takes 26.6% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,415/month. That stays under the 30% guideline most financial planners use.
What’s the entry-level salary for insurance underwriters in Texas?
The 10th-percentile wage — what new insurance underwriters typically earn — is $51K/year. Take-home on that works out to about $3,086/month. At HUD’s $1,415/month FMR, rent would take 46% 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 Texas?
Pay here is roughly in line with the national average — $79K locally vs. $81K nationally, a 3% difference.
How does Texas compare to the national average for insurance underwriters?
Texas pays $79K median vs. the U.S. average of $81K — that’s -3%. After adjusting for local cost of living (RPP 91.49), the purchasing-power equivalent is $86K — still ahead of the national median.
How much do insurance underwriters make in Texas?
The median is $78,890 a year, that works out to about $38 an hour. But the range is wide: entry-level workers start around $51,440, and experienced insurance underwriters can clear $135,410. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $79K enough to live in Texas?
On that salary, you'd take home roughly $5,324/month after taxes. A 2-bedroom here rents for about $1,415/month, which eats 26.6% 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 Texas?
Texas has a Regional Price Parity of 91.49 (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 $86,228 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.