Insurance Sales Agent Salary in Fargo, ND
Insurance Sales Agents in the Fargo, ND-MN metro area earn a median $71,220 a year — 14% more than the national median. After 2026 taxes, that is $58,804 take-home, or $4,900 a month.
Take-home pay calculator
Pre-filled with the median insurance sales agent salary in Fargo, ND. Enter your own offer to see your paycheck.
- Federal income tax$6,838
- Social Security (6.2%)$4,416
- Medicare (1.45%)$1,033
- North Dakota income tax$130
- Take-home pay$58,804
Marginal rate: 22% federal + 1.95% state
The Fargo, ND-MN metro spans North Dakota, Minnesota. Pick the state you live in — state income tax follows your residence.
Insurance Sales Agent pay by experience in Fargo, ND
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $46,250 | $22.24 | $39,342 | $3,278 |
| 25th percentile | $59,070 | $28.40 | $49,643 | $4,137 |
| Median (50th) | $71,220 | $34.24 | $58,804 | $4,900 |
| 75th percentile | $99,360 | $47.77 | $78,051 | $6,504 |
| 90th percentile (top earners) | $182,150 | $87.57 | $133,473 | $11,123 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, North Dakota resident, 2026 tax rules.
What $71,220 buys in Fargo, ND
Prices in Fargo, ND are 9.1% lower than the U.S. average (housing costs are 19% below the national average). Adjusted for local prices, a median insurance sales agent's $58,804 take-home pay has the buying power of $64,711 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
Fargo, ND has 1.3× the national concentration of insurance sales agent jobs — a strong local market for this occupation.
Best-paying cities for insurance sales agents, adjusted for cost of living
Fargo, ND ranks #6 of 135 metro areas once taxes and local prices are taken into account.
| # | Metro area | Median salary | Take-home | Real value* |
|---|---|---|---|---|
| 1 | Sioux Falls, SD | $79,690 | $64,892 | $71,600 |
| 2 | Jackson, MS | $76,310 | $60,194 | $67,597 |
| 3 | Bloomington, IL | $82,040 | $62,629 | $66,956 |
| 4 | Appleton, WI | $77,250 | $60,462 | $65,421 |
| 5 | Milwaukee, WI | $81,080 | $62,953 | $64,942 |
| 6 | Fargo, ND | $71,220 | $58,804 | $64,711 |
| 7 | Madison, WI | $80,700 | $62,706 | $64,455 |
| 8 | Lakeland, FL | $74,810 | $61,459 | $63,268 |
*Take-home pay divided by the BEA price level, so every city is measured in U.S.-average dollars. See all 135 metros →
Frequently asked questions
How much does a insurance sales agent make in Fargo, ND?
The median insurance sales agent salary in the Fargo, ND-MN metro area is $71,220 a year, or about $34.24 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $59,070 and $99,360.
What is a insurance sales agent’s take-home pay in Fargo, ND?
On the median $71,220 salary, a single filer living in North Dakota takes home about $58,804 a year ($4,900 a month) after federal tax, Social Security, Medicare and $130 in North Dakota taxes in 2026.
Is Fargo, ND a good place to work as a insurance sales agent?
Pay here is 14% above the national median of $62,280. Local prices are 9.1% below the U.S. average, so the take-home pay buys what $64,711 would in a typical U.S. city. Fargo, ND ranks #6 of 135 metro areas for cost-of-living-adjusted pay in this job.
Can a insurance sales agent afford rent in Fargo, ND?
HUD’s fair market rent for a one-bedroom in Fargo, ND is $917 a month ($1,112 for two bedrooms) — 19% of a median insurance sales agent’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Fargo, ND
- Sales Representatives, Wholesale and Manufacturing, Except Technical and Scientific Products — $70,070
- Sales Representatives of Services, Except Advertising, Insurance, Financial Services, and Travel — $63,800
- First-Line Supervisor of Retail Sales Workers — $48,560
- Parts Salesperson — $47,520
- Counter and Rental Clerk — $43,630
- Retail Salesperson — $35,860
- Cashier — $33,420