Insurance Sales Agent Salary in Baltimore, MD
Insurance Sales Agents in the Baltimore-Columbia-Towson, MD metro area earn a median $58,300 a year — 6% less than the national median. After 2026 taxes, that is $46,618 take-home, or $3,885 a month.
Take-home pay calculator
Pre-filled with the median insurance sales agent salary in Baltimore, MD. Enter your own offer to see your paycheck.
- Federal income tax$4,816
- Social Security (6.2%)$3,615
- Medicare (1.45%)$845
- Maryland income tax$2,406
- Take-home pay$46,618
Marginal rate: 12% federal + 4.75% state
Living in Baltimore City? City residents also pay Baltimore City’s city income tax — about $1,656 a year on this salary — which lowers take-home pay to $44,962 ($3,747 a month). Choose “Baltimore City” under City income tax in the calculator. Suburban residents usually don’t pay it.
Got an offer somewhere else? Compare it with this one after taxes and rent →
Insurance Sales Agent pay by experience in Baltimore, MD
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $39,520 | $19.00 | $32,421 | $2,702 |
| 25th percentile | $44,970 | $21.62 | $36,541 | $3,045 |
| Median (50th) | $58,300 | $28.03 | $46,618 | $3,885 |
| 75th percentile | $77,510 | $37.26 | $60,040 | $5,003 |
| 90th percentile (top earners) | $134,670 | $64.75 | $97,202 | $8,100 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Maryland resident, 2026 tax rules.
What $58,300 buys in Baltimore, MD
Prices in Baltimore, MD are 4.5% higher than the U.S. average (housing costs are 1.18× the national average). Adjusted for local prices, a median insurance sales agent's $46,618 take-home pay has the buying power of $44,616 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 less concentrated in Baltimore, MD than nationally (location quotient 0.68), so openings may be scarcer.
Best-paying cities for insurance sales agents, adjusted for cost of living
Baltimore, MD ranks #34 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 |
| 34 | Baltimore, MD | $58,300 | $46,618 | $44,616 |
*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.
Frequently asked questions
How much does a insurance sales agent make in Baltimore, MD?
The median insurance sales agent salary in the Baltimore-Columbia-Towson, MD metro area is $58,300 a year, or about $28.03 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $44,970 and $77,510.
What is a insurance sales agent’s take-home pay in Baltimore, MD?
On the median $58,300 salary, a single filer living in Maryland takes home about $46,618 a year ($3,885 a month) after federal tax, Social Security, Medicare and $2,406 in Maryland taxes in 2026.
Is Baltimore, MD a good place to work as a insurance sales agent?
Pay here is 6% below the national median of $62,280. Local prices are 4.5% above the U.S. average, so the take-home pay buys what $44,616 would in a typical U.S. city. Baltimore, MD ranks #34 of 41 metro areas for cost-of-living-adjusted pay in this job.
Can a insurance sales agent afford rent in Baltimore, MD?
HUD’s fair market rent for a one-bedroom in Baltimore, MD is $1,511 a month ($1,857 for two bedrooms) — 39% of a median insurance sales agent’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Baltimore, MD
- Sales Representatives, Wholesale and Manufacturing, Technical and Scientific Products — $88,220
- Sales Representatives, Wholesale and Manufacturing, Except Technical and Scientific Products — $73,080
- Securities, Commodities, and Financial Services Sales Agents — $62,080
- Sales Representatives of Services, Except Advertising, Insurance, Financial Services, and Travel — $61,840
- First-Line Supervisor of Retail Sales Workers — $46,760
- Retail Salesperson — $34,800
- Cashier — $33,760