Insurance Underwriters pay range in Rochester
New workers and the lowest-paid 10% earn about $65,330 a year or less, while the top 10% make $159,450 or more. The middle half of insurance underwriters in Rochester earn between $78,990 and $127,400.
- $65K10th
- $79K25th
- $94KMedian
- $127K75th
- $159K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $104,740 | $8,728 | $50.36 |
| Median | $94,310 | $7,859 | $45.34 |
| Entry level (25th percentile) | $78,990 | $6,582 | $37.98 |
| Experienced (75th percentile) | $127,400 | $10,617 | $61.25 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Insurance Underwriters pay in Rochester vs. New York and the U.S.
Insurance underwriters in Rochester earn 5% less than the New York average ($110,210) and 12% more than the U.S. average ($93,700). At the median the gap is +16% against the U.S. median of $81,370.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| Rochester | $104,740 | $94,310 | $65,330 | $159,450 | 260 |
| New York | $110,210 | $97,450 | $65,160 | $168,790 | 6,900 |
| United States | $93,700 | $81,370 | $55,530 | $145,160 | 105,420 |
State and U.S. rows: BLS statewide and national estimates, May 2025, which include rural areas.
Insurance Underwriters salary after taxes in Rochester
On the average salary of $104,740, a single filer in Rochester takes home about $77,278 a year, or $6,440 a month and $2,972 every two weeks. Taxes take 26% of gross pay.
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2025 rules). New York City (up to 3.876%) and Yonkers income taxes are not included.
Is Rochester a good place for insurance underwriters? Pay vs. cost of living
Prices in the Rochester area are 3% below the U.S. average (BEA price parity 97.0), so the average $104,740 buys what about $107,940 would buy in a typical U.S. metro. This job pays 1.8 times the median wage of all jobs in Rochester ($51,210). A typical home costs $285,034, or 2.7 years of this average salary before tax.
Insurance Underwriters salary in other New York cities
Rochester ranks 2nd of 6 New York metro areas for this job; New York pays the most ($111,900).
- New York$111,900
- Rochester$104,740
- Albany$98,990
- Buffalo$98,050
- Kiryas Joel$97,090
- Syracuse$95,530
Highest-paying cities for insurance underwriters
Bridgeport, CT pays this job the most of the metro areas we cover ($127,970).
- Bridgeport, CT$127,970
- Boston, MA$115,600
- Denver, CO$115,260
- Seattle, WA$114,200
- Manchester, NH$112,530
Does this match what you are paid?
Anonymous, no account. Results update as visitors answer.
Share your pay anonymously
Insurance Underwriters salary in Rochester: questions
How much do insurance underwriters make an hour in Rochester?
$50.36 an hour on average, and $45.34 at the median (BLS, May 2025).
What is the entry-level insurance underwriters salary in Rochester?
The lowest-paid 10% earn about $65,330 a year and the 25th percentile is $78,990, a fair guide to starting pay.
What is the insurance underwriters take-home pay in Rochester?
About $77,278 a year ($6,440 a month) for a single filer on the average salary of $104,740. New York City (up to 3.876%) and Yonkers income taxes are not included.
Do insurance underwriters earn more in Rochester than elsewhere?
The average here is 12% more than the U.S. average for this job ($93,700).
Sources and how to read this page
- Wages: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS), May 2025 estimates for metropolitan areas. SOC code 13-2053; area Rochester, NY (40380). Relative standard error of the mean wage: 1.8%.
- U.S. and statewide figures: BLS OEWS national and state estimates, May 2025, every employer including rural areas.
- Cost of living: Bureau of Economic Analysis regional price parities (RPP), 2024; 100 = U.S. average.
- Home value: Zillow Home Value Index. Typical-wage figure: OEWS all occupations, same metro.
- Take-home pay: Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2025 rules). New York City (up to 3.876%) and Yonkers income taxes are not included.
- Job concentration: location quotient 0.76, this job is less common than in the U.S. overall (location quotient 0.76).
Read the full methodology. Spotted an error? Tell us.