Insurance Underwriters pay range in Houston
New workers and the lowest-paid 10% earn about $52,490 a year or less, while the top 10% make $136,490 or more. The middle half of insurance underwriters in Houston earn between $60,850 and $103,610.
- $52K10th
- $61K25th
- $78KMedian
- $104K75th
- $136K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $87,040 | $7,253 | $41.85 |
| Median | $77,770 | $6,481 | $37.39 |
| Entry level (25th percentile) | $60,850 | $5,071 | $29.25 |
| Experienced (75th percentile) | $103,610 | $8,634 | $49.81 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Insurance Underwriters pay in Houston vs. Texas and the U.S.
Insurance underwriters in Houston earn about the same as the Texas average ($88,790) and 7% less than the U.S. average ($93,700). At the median the gap is -4% against the U.S. median of $81,370.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| Houston | $87,040 | $77,770 | $52,490 | $136,490 | 1,520 |
| Texas | $88,790 | $78,890 | $51,440 | $135,410 | 9,980 |
| 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 Houston
On the average salary of $87,040, a single filer in Houston takes home about $70,063 a year, or $5,839 a month and $2,695 every two weeks. Taxes take 20% of gross pay.
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and no state income tax.
Is Houston a good place for insurance underwriters? Pay vs. cost of living
Prices in the Houston area are in line with the U.S. average (BEA price parity 98.6), so the average $87,040 buys what about $88,250 would buy in a typical U.S. metro. This job pays 1.6 times the median wage of all jobs in Houston ($49,410). A typical home costs $308,306, or 3.5 years of this average salary before tax.
Insurance Underwriters salary in other Texas cities
Houston ranks 3rd of 5 Texas metro areas for this job; Dallas pays the most ($94,020).
- Dallas$94,020
- San Antonio$91,380
- Houston$87,040
- Austin$83,780
- Waco$67,280
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
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Insurance Underwriters salary in Houston: questions
How much do insurance underwriters make an hour in Houston?
$41.85 an hour on average, and $37.39 at the median (BLS, May 2025).
What is the entry-level insurance underwriters salary in Houston?
The lowest-paid 10% earn about $52,490 a year and the 25th percentile is $60,850, a fair guide to starting pay.
What is the insurance underwriters take-home pay in Houston?
About $70,063 a year ($5,839 a month) for a single filer on the average salary of $87,040. Texas has no state income tax.
Do insurance underwriters earn more in Houston than elsewhere?
The average here is 7% 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 Houston-Pasadena-The Woodlands, TX (26420). Relative standard error of the mean wage: 3.2%.
- 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 no state income tax.
- Job concentration: location quotient 0.68, this job is less common than in the U.S. overall (location quotient 0.68).
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