Insurance Underwriter Salary in Miami, FL
Insurance Underwriters in the Miami-Fort Lauderdale-West Palm Beach, FL metro area earn a median $79,460 a year — 2% less than the national median. After 2026 taxes, that is $64,730 take-home, or $5,394 a month.
Take-home pay calculator
Pre-filled with the median insurance underwriter salary in Miami, FL. Enter your own offer to see your paycheck.
- Federal income tax$8,651
- Social Security (6.2%)$4,927
- Medicare (1.45%)$1,152
- Florida income tax$0
- Take-home pay$64,730
Marginal rate: 22% federal + 0.00% state
Insurance Underwriter pay by experience in Miami, FL
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $50,660 | $24.36 | $42,885 | $3,574 |
| 25th percentile | $62,040 | $29.83 | $52,029 | $4,336 |
| Median (50th) | $79,460 | $38.20 | $64,730 | $5,394 |
| 75th percentile | $106,790 | $51.34 | $83,957 | $6,996 |
| 90th percentile (top earners) | $154,590 | $74.32 | $116,928 | $9,744 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Florida resident, 2026 tax rules.
What $79,460 buys in Miami, FL
Prices in Miami, FL are 14.2% higher than the U.S. average (housing costs are 1.56× the national average). Adjusted for local prices, a median insurance underwriter's $64,730 take-home pay has the buying power of $56,704 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 Underwriter jobs are less concentrated in Miami, FL than nationally (location quotient 0.64), so openings may be scarcer.
Best-paying cities for insurance underwriters, adjusted for cost of living
Miami, FL ranks #42 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 |
| 42 | Miami, FL | $79,460 | $64,730 | $56,704 |
*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 Florida
- Jacksonville, FL — $81,220
- Tampa, FL — $78,350
- Orlando, FL — $74,700
Frequently asked questions
How much does a insurance underwriter make in Miami, FL?
The median insurance underwriter salary in the Miami-Fort Lauderdale-West Palm Beach, FL metro area is $79,460 a year, or about $38.20 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $62,040 and $106,790.
What is a insurance underwriter’s take-home pay in Miami, FL?
On the median $79,460 salary, a single filer living in Florida takes home about $64,730 a year ($5,394 a month) after federal tax, Social Security, Medicare in 2026.
Is Miami, FL a good place to work as a insurance underwriter?
Pay here is 2% below the national median of $81,370. Local prices are 14.2% above the U.S. average, so the take-home pay buys what $56,704 would in a typical U.S. city. Miami, FL ranks #42 of 43 metro areas for cost-of-living-adjusted pay in this job.
Can a insurance underwriter afford rent in Miami, FL?
HUD’s fair market rent for a one-bedroom in Miami, FL is $1,942 a month ($2,359 for two bedrooms) — 36% of a median insurance underwriter’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
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