Albany vs Niagara Falls: Insurance Agent Salary (2026)
Compare insurance agent salaries between Albany, NY and Niagara Falls, NY. All figures are 2026 estimates projected from BLS 2025 data.
Side-by-Side Comparison
| Metric | Albany, NY | Niagara Falls, NY |
|---|---|---|
| Median Salary | $74,551▲ | $65,474 |
| Hourly Rate | $35.85▲ | $31.47 |
| Entry Level (P10) | $46,029▲ | $39,693 |
| 25th Percentile | $57,032▲ | $48,968 |
| 75th Percentile | $102,782▲ | $83,807 |
| Top Earner (P90) | $156,239▲ | $101,484 |
| Total Employed | 1,120▲ | 10 |
Verdict
Albany, NY offers better overall compensation for insurance agents, winning 4 out of 4 metrics compared to Niagara Falls.
The salary gap between Albany and Niagara Falls is $9,077 (13.86%). Albany's median is +15.54% compared to the US national median of $64,522.
Salary Range Comparison
The full salary range (10th to 90th percentile) in Albany spans $110,210,Niagara Falls spans $61,791. Albany has a wider pay range, meaning more potential for high earners but also more variation.
Cost-of-Living Adjusted Comparison
After cost-of-living adjustment, Albany ($74,876 effective) pays 32.54% more than Niagara Falls ($56,492 effective).
Cost-of-living adjustment: salary × (100 / CoL index). Index of 100 = national average.
Which City Is Right for You?
Choose Albany if…
- ✓Higher median salary ($74,551/year)
- ✓Better top-earner potential ($156,239)
- ✓Larger job market (1,120 employed)
- ✓Better purchasing power (CoL-adjusted: $74,876)
- ✓You prefer the New York area and lifestyle
Choose Niagara Falls if…
- ✓You prefer the New York area and lifestyle
Historical Salary Growth Comparison
Based on BLS OEWS metropolitan area data, insurance agent salaries in Albany grew 14.7% from 2019 to 2025, compared to -37.1% growth in Niagara Falls over the same period.
Albany, NY
$62,750 (2019) → $71,960 (2025)
Niagara Falls, NY
$100,480 (2024) → $63,199 (2025)
View Full Salary Data
Albany, NY
Niagara Falls, NY
Frequently Asked Questions
Which city pays insurance agents more: Albany or Niagara Falls?
What is the hourly rate difference between Albany and Niagara Falls?
Should I relocate from Albany to Niagara Falls as a insurance agent?
What do entry-level insurance agents earn in Albany vs Niagara Falls?
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Written by Jordan Lee, MBA
Career Analyst
Jordan has over 10 years of experience in the insurance industry. He specializes in property and casualty insurance. He has worked in both agency and corporate settings.
Methodology & Data Source
All salary figures are 2026 projections based on BLS OEWS May 2025 data. A 3.60% CAGR (derived from 6-year national BLS trends) was applied to estimate current compensation. Cost-of-living adjustments use BEA Regional Price Parity data. Actual salaries vary by employer, certifications, and experience.
Data Sources & Methodology
Source: BLS, OEWS , released .
Compiled and verified by Jordan Lee, MBA, a licensed insurance agent with 10+ years of clinical experience. · View source data at BLS.gov