Insurance Underwriter Salary in Cincinnati, OH
Insurance Underwriters in the Cincinnati, OH-KY-IN metro area earn a median $82,110 a year — 1% more than the national median. After 2026 taxes, that is $65,119 take-home, or $5,427 a month.
Take-home pay calculator
Pre-filled with the median insurance underwriter salary in Cincinnati, OH. Enter your own offer to see your paycheck.
- Federal income tax$9,234
- Social Security (6.2%)$5,091
- Medicare (1.45%)$1,191
- Ohio income tax$1,476
- Take-home pay$65,119
Marginal rate: 22% federal + 2.75% state
The Cincinnati, OH-KY-IN metro spans Ohio, Kentucky, Indiana. Pick the state you live in — state income tax follows your residence.
Insurance Underwriter pay by experience in Cincinnati, OH
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $52,080 | $25.04 | $43,376 | $3,615 |
| 25th percentile | $66,290 | $31.87 | $54,403 | $4,534 |
| Median (50th) | $82,110 | $39.48 | $65,119 | $5,427 |
| 75th percentile | $105,520 | $50.73 | $80,944 | $6,745 |
| 90th percentile (top earners) | $128,320 | $61.69 | $96,226 | $8,019 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Ohio resident, 2026 tax rules.
What $82,110 buys in Cincinnati, OH
Prices in Cincinnati, OH are 4.6% lower than the U.S. average (housing costs are 12% below the national average). Adjusted for local prices, a median insurance underwriter's $65,119 take-home pay has the buying power of $68,280 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
Cincinnati, OH has 2.3× the national concentration of insurance underwriter jobs — a strong local market for this occupation.
Best-paying cities for insurance underwriters, adjusted for cost of living
Cincinnati, OH ranks #10 of 43 metro areas once taxes and local prices are taken into account.
| # | Metro area | Median salary | Take-home | Real value* |
|---|---|---|---|---|
| 1 | Milwaukee, WI | $106,570 | $79,534 | $82,047 |
| 2 | Madison, WI | $95,130 | $72,093 | $74,103 |
| 3 | Hartford, CT | $100,690 | $75,702 | $73,679 |
| 4 | Denver, CO | $101,840 | $76,702 | $72,509 |
| 5 | Boston, MA | $106,170 | $78,432 | $72,444 |
| 6 | Chicago, IL | $99,840 | $74,270 | $71,693 |
| 7 | Atlanta, GA | $95,430 | $71,635 | $71,593 |
| 8 | Seattle, WA | $100,130 | $79,271 | $71,330 |
| 10 | Cincinnati, OH | $82,110 | $65,119 | $68,280 |
*Take-home pay divided by the BEA price level, so every city is measured in U.S.-average dollars. See all 43 metros →
Insurance Underwriter salaries elsewhere in Ohio
- Cleveland, OH — $78,610
- Columbus, OH — $79,370
Frequently asked questions
How much does a insurance underwriter make in Cincinnati, OH?
The median insurance underwriter salary in the Cincinnati, OH-KY-IN metro area is $82,110 a year, or about $39.48 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $66,290 and $105,520.
What is a insurance underwriter’s take-home pay in Cincinnati, OH?
On the median $82,110 salary, a single filer living in Ohio takes home about $65,119 a year ($5,427 a month) after federal tax, Social Security, Medicare and $1,476 in Ohio taxes in 2026.
Is Cincinnati, OH a good place to work as a insurance underwriter?
Pay here is 1% above the national median of $81,370. Local prices are 4.6% below the U.S. average, so the take-home pay buys what $68,280 would in a typical U.S. city. Cincinnati, OH ranks #10 of 43 metro areas for cost-of-living-adjusted pay in this job.
Can a insurance underwriter afford rent in Cincinnati, OH?
HUD’s fair market rent for a one-bedroom in Cincinnati, OH is $1,043 a month ($1,342 for two bedrooms) — 19% of a median insurance underwriter’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Cincinnati, OH
- Management Analyst — $97,360
- Project Management Specialist — $95,380
- Labor Relations Specialist — $95,350
- Financial and Investment Analyst — $86,040
- Accountant and Auditor — $80,640
- Personal Financial Advisor — $80,540
- Logistician — $79,990
- Financial Specialists, All Other — $79,580
- Compliance Officer — $79,310
- Cost Estimator — $79,130
- Financial Examiner — $78,310
- Claims Adjusters, Examiners, and Investigators — $77,640