Insurance Underwriters pay range in Charlotte
New workers and the lowest-paid 10% earn about $51,270 a year or less, while the top 10% make $132,040 or more. The middle half of insurance underwriters in Charlotte earn between $62,870 and $102,740.
- $51K10th
- $63K25th
- $80KMedian
- $103K75th
- $132K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $88,510 | $7,376 | $42.55 |
| Median | $80,080 | $6,673 | $38.50 |
| Entry level (25th percentile) | $62,870 | $5,239 | $30.23 |
| Experienced (75th percentile) | $102,740 | $8,562 | $49.39 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Insurance Underwriters pay in Charlotte vs. North Carolina and the U.S.
Insurance underwriters in Charlotte earn 5% more than the North Carolina average ($83,920) and 6% less than the U.S. average ($93,700). At the median the gap is -2% against the U.S. median of $81,370.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| Charlotte | $88,510 | $80,080 | $51,270 | $132,040 | 1,140 |
| North Carolina | $83,920 | $77,120 | $48,560 | $129,980 | 3,460 |
| 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 Charlotte
On the average salary of $88,510, a single filer in Charlotte takes home about $68,074 a year, or $5,673 a month and $2,618 every two weeks. Taxes take 23% of gross pay.
The Charlotte-Concord-Gastonia, NC-SC metro area crosses state lines, so take-home pay depends on the state where you work:
| State | Per year | Per month |
|---|---|---|
| Working in NC | $68,074 | $5,673 |
| Working in SC | $67,544 | $5,629 |
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2026 rules).
Is Charlotte a good place for insurance underwriters? Pay vs. cost of living
Prices in the Charlotte area are 3% below the U.S. average (BEA price parity 97.3), so the average $88,510 buys what about $90,921 would buy in a typical U.S. metro. This job pays 1.6 times the median wage of all jobs in Charlotte ($49,990). A typical home costs $390,321, or 4.4 years of this average salary before tax.
Insurance Underwriters salary in other North Carolina cities
Charlotte ranks 2nd of 7 North Carolina metro areas for this job; Durham pays the most ($92,020).
- Durham$92,020
- Charlotte$88,510
- Raleigh$84,810
- Winston-Salem$82,180
- Greensboro$79,090
- Goldsboro$79,000
- Burlington$65,630
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 Charlotte: questions
How much do insurance underwriters make an hour in Charlotte?
$42.55 an hour on average, and $38.50 at the median (BLS, May 2025).
What is the entry-level insurance underwriters salary in Charlotte?
The lowest-paid 10% earn about $51,270 a year and the 25th percentile is $62,870, a fair guide to starting pay.
What is the insurance underwriters take-home pay in Charlotte?
About $68,074 a year ($5,673 a month) for a single filer on the average salary of $88,510.
Do insurance underwriters earn more in Charlotte than elsewhere?
The average here is 6% 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 Charlotte-Concord-Gastonia, NC-SC (16740). Relative standard error of the mean wage: 3.9%.
- 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.
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