Insurance Underwriters pay range in Fargo
New workers and the lowest-paid 10% earn about $55,710 a year or less, while the top 10% make $136,950 or more. The middle half of insurance underwriters in Fargo earn between $60,470 and $94,990.
- $56K10th
- $60K25th
- $74KMedian
- $95K75th
- $137K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $81,200 | $6,767 | $39.04 |
| Median | $74,130 | $6,178 | $35.64 |
| Entry level (25th percentile) | $60,470 | $5,039 | $29.07 |
| Experienced (75th percentile) | $94,990 | $7,916 | $45.67 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Insurance Underwriters pay in Fargo vs. North Dakota and the U.S.
Insurance underwriters in Fargo earn 4% more than the North Dakota average ($78,330) and 13% less than the U.S. average ($93,700). At the median the gap is -9% against the U.S. median of $81,370.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| Fargo | $81,200 | $74,130 | $55,710 | $136,950 | 130 |
| North Dakota | $78,330 | $74,130 | $54,790 | $99,490 | 210 |
| 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 Fargo
On the average salary of $81,200, a single filer in Fargo takes home about $65,651 a year, or $5,471 a month and $2,525 every two weeks. Taxes take 19% of gross pay.
The Fargo, ND-MN metro area crosses state lines, so take-home pay depends on the state where you work:
| State | Per year | Per month |
|---|---|---|
| Working in ND | $65,651 | $5,471 |
| Working in MN | $61,956 | $5,163 |
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2026 rules).
Is Fargo a good place for insurance underwriters? Pay vs. cost of living
Prices in the Fargo area are 9% below the U.S. average (BEA price parity 90.9), so the average $81,200 buys what about $89,357 would buy in a typical U.S. metro. This job pays 1.5 times the median wage of all jobs in Fargo ($51,050). A typical home costs $327,854, or 4.0 years of this average salary before tax.
Insurance Underwriters salary in other North Dakota cities
Fargo ranks 1st of 2 North Dakota metro areas for this job, the best-paid in the state.
- Fargo$81,200
- Bismarck$71,990
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 Fargo: questions
How much do insurance underwriters make an hour in Fargo?
$39.04 an hour on average, and $35.64 at the median (BLS, May 2025).
What is the entry-level insurance underwriters salary in Fargo?
The lowest-paid 10% earn about $55,710 a year and the 25th percentile is $60,470, a fair guide to starting pay.
What is the insurance underwriters take-home pay in Fargo?
About $65,651 a year ($5,471 a month) for a single filer on the average salary of $81,200.
Do insurance underwriters earn more in Fargo than elsewhere?
The average here is 13% less 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 Fargo, ND-MN (22020). Relative standard error of the mean wage: 5.0%.
- 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 (2026 rules).
- Job concentration: location quotient 1.24, this job is about as common as in the U.S. overall.
Read the full methodology. Spotted an error? Tell us.