Insurance Sales Agent Salary in Philadelphia, PA
Insurance Sales Agents in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro area earn a median $81,540 a year — 31% more than the national median. After 2026 taxes, that is $63,690 take-home, or $5,308 a month.
Take-home pay calculator
Pre-filled with the median insurance sales agent salary in Philadelphia, PA. Enter your own offer to see your paycheck.
- Federal income tax$9,109
- Social Security (6.2%)$5,055
- Medicare (1.45%)$1,182
- Pennsylvania income tax$2,503
- Take-home pay$63,690
Marginal rate: 22% federal + 3.07% state
Living in Philadelphia? City residents also pay Philadelphia’s Resident Wage Tax — about $3,050 a year on this salary — which lowers take-home pay to $60,641 ($5,053 a month). Choose “Philadelphia” under City income tax in the calculator. Suburban residents usually don’t pay it.
The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro spans Pennsylvania, New Jersey, Delaware, Maryland. Pick the state you live in — state income tax follows your residence.
Got an offer somewhere else? Compare it with this one after taxes and rent →
Insurance Sales Agent pay by experience in Philadelphia, PA
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $46,760 | $22.48 | $38,316 | $3,193 |
| 25th percentile | $59,770 | $28.74 | $48,370 | $4,031 |
| Median (50th) | $81,540 | $39.20 | $63,690 | $5,308 |
| 75th percentile | $121,220 | $58.28 | $90,387 | $7,532 |
| 90th percentile (top earners) | $175,160 | $84.21 | $125,610 | $10,468 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Pennsylvania resident, 2026 tax rules.
What $81,540 buys in Philadelphia, PA
Prices in Philadelphia, PA are 2.6% higher than the U.S. average (housing costs are 1.13× the national average). Adjusted for local prices, a median insurance sales agent's $63,690 take-home pay has the buying power of $62,104 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
Insurance Sales Agent jobs are about as common in Philadelphia, PA as in the U.S. overall (location quotient 0.95).
Best-paying cities for insurance sales agents, adjusted for cost of living
Philadelphia, PA ranks #1 of 41 metro areas once taxes and local prices are taken into account.
| # | Metro area | Median salary | Take-home | Real value* |
|---|---|---|---|---|
| 1 | Philadelphia, PA | $81,540 | $63,690 | $62,104 |
| 2 | Cleveland, OH | $72,020 | $58,298 | $62,070 |
| 3 | Minneapolis, MN | $84,670 | $64,161 | $61,210 |
| 4 | San Francisco, CA | $95,640 | $70,204 | $60,724 |
| 5 | Atlanta, GA | $75,990 | $58,968 | $58,934 |
| 6 | Sacramento, CA | $80,940 | $61,421 | $57,581 |
| 7 | Birmingham, AL | $66,640 | $52,644 | $57,444 |
| 8 | Denver, CO | $77,590 | $60,709 | $57,391 |
*Take-home pay divided by the BEA price level, so every city is measured in U.S.-average dollars. See all 41 metros →
About the job: insurance sales agents
Sell life, property, casualty, health, automotive, or other types of insurance. May refer clients to independent brokers, work as an independent broker, or be employed by an insurance company.
- Typical education
- High school diploma or equivalent
- Work experience
- None required
- On-the-job training
- Moderate-term on-the-job training
- Job outlook, 2025–35
- +3.3% (about average)
Source: BLS Standard Occupational Classification and Employment Projections, 2025–35.
Insurance Sales Agent salaries elsewhere in Pennsylvania
- Pittsburgh, PA — $59,990
Frequently asked questions
How much does a insurance sales agent make in Philadelphia, PA?
The median insurance sales agent salary in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro area is $81,540 a year, or about $39.20 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $59,770 and $121,220.
What is a insurance sales agent’s take-home pay in Philadelphia, PA?
On the median $81,540 salary, a single filer living in Pennsylvania takes home about $63,690 a year ($5,308 a month) after federal tax, Social Security, Medicare and $2,503 in Pennsylvania taxes in 2026.
Is Philadelphia, PA a good place to work as a insurance sales agent?
Pay here is 31% above the national median of $62,280. Local prices are 2.6% above the U.S. average, so the take-home pay buys what $62,104 would in a typical U.S. city. Philadelphia, PA ranks #1 of 41 metro areas for cost-of-living-adjusted pay in this job.
Can a insurance sales agent afford rent in Philadelphia, PA?
HUD’s fair market rent for a one-bedroom in Philadelphia, PA is $1,520 a month ($1,810 for two bedrooms) — 29% of a median insurance sales agent’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Philadelphia, PA
- Sales Representatives, Wholesale and Manufacturing, Technical and Scientific Products — $121,180
- First-Line Supervisor of Non-Retail Sales Workers — $92,510
- Securities, Commodities, and Financial Services Sales Agents — $77,760
- Sales Representatives, Wholesale and Manufacturing, Except Technical and Scientific Products — $76,580
- Sales Representatives of Services, Except Advertising, Insurance, Financial Services, and Travel — $71,020
- Real Estate Sales Agent — $54,710
- First-Line Supervisor of Retail Sales Workers — $50,130
- Counter and Rental Clerk — $45,310
- Parts Salesperson — $40,860
- Retail Salesperson — $34,810
- Cashier — $33,050