Insurance Underwriter Salary in Houston, Texas
The median insurance underwriter salary in Houston, TX is $74,746 per year, which is 4% below the national median and 4.3% above the Texas state average.
Insurance Underwriter Pay in Houston: What to Expect (2026)
Houston offers a median insurance underwriter salary of $74,746, which is $3,115 above the Texas state average of $71,631. Compared to the national median of $77,860, Houston pays below the national benchmark for this role.
Houston's cost of living is 96% of the national average, meaning salary figures here closely reflect actual purchasing power. This makes direct comparisons to other cities straightforward.
The salary range for insurance underwriters in Houston spans from $46,656 at the 10th percentile to $121,344 at the 90th percentile — a $74,688 spread. Entry-level professionals start around $48,000, while senior insurance underwriters with 8+ years of experience can earn up to $110,400. As a major metro area with a population of 2,304,580, Houston typically offers more job opportunities and employer competition, which can drive salaries higher.
Insurance Underwriter Salary in Houston by Experience
In Houston, an entry-level insurance underwriter earns around $48,000, while experienced professionals earn up to $110,400 per year. The local cost of living index is 96% of the national average.
Salary Percentiles in Houston, TX
| Percentile | Houston |
|---|---|
| 10th Percentile | $46,656 |
| 25th Percentile | $58,752 |
| Median (50th) | $74,746 |
| 75th Percentile | $96,000 |
| 90th Percentile | $121,344 |
Insurance Underwriter Salary in Other Texas Cities
How to Become a Insurance Underwriter in Houston
Education
Most insurance underwriter positions require a bachelor's degree. Houston and the surrounding Texas area have institutions offering relevant programs.
Key Skills
Job Outlook
Nationally, insurance underwriter employment is projected to grow -2% over the next decade (decline). Demand in Houston may vary based on local industry and population growth.
Find Insurance Underwriter Jobs in Houston
Browse open insurance underwriter positions in Houston, TX: