Buffalo vs Utica: Insurance Agent Salary (2026)
Compare insurance agent salaries between Buffalo, NY and Utica, NY. All figures are 2026 estimates projected from BLS 2025 data.
Side-by-Side Comparison
| Metric | Buffalo, NY | Utica, NY |
|---|---|---|
| Median Salary | $59,870 | $64,636▲ |
| Hourly Rate | $28.78 | $31.08▲ |
| Entry Level (P10) | $37,016 | $48,899▲ |
| 25th Percentile | $47,086 | $55,644▲ |
| 75th Percentile | $84,776▲ | $80,114 |
| Top Earner (P90) | $133,230 | $143,455▲ |
| Total Employed | 1,350▲ | 280 |
Verdict
Utica, NY offers better overall compensation for insurance agents, winning 3 out of 4 metrics compared to Buffalo.
The salary gap between Buffalo and Utica is $4,766 (7.96%). Utica's median is +0.18% compared to the US national median of $64,522.
Salary Range Comparison
The full salary range (10th to 90th percentile) in Buffalo spans $96,214,Utica spans $94,556. Buffalo 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, Utica ($69,743 effective) pays 11.65% more than Buffalo ($62,466 effective).
Cost-of-living adjustment: salary × (100 / CoL index). Index of 100 = national average.
Which City Is Right for You?
Choose Buffalo if…
- ✓Larger job market (1,350 employed)
- ✓You prefer the New York area and lifestyle
Choose Utica if…
- ✓Higher median salary ($64,636/year)
- ✓Better top-earner potential ($143,455)
- ✓Better purchasing power (CoL-adjusted: $69,743)
- ✓You prefer the New York area and lifestyle
Historical Salary Growth Comparison
Based on BLS OEWS metropolitan area data, insurance agent salaries in Buffalo grew 19.7% from 2019 to 2025, compared to -1.7% growth in Utica over the same period.
Buffalo, NY
$48,290 (2019) → $57,790 (2025)
Utica, NY
$63,490 (2019) → $62,390 (2025)
View Full Salary Data
Buffalo, NY
Frequently Asked Questions
Which city pays insurance agents more: Buffalo or Utica?
What is the hourly rate difference between Buffalo and Utica?
Should I relocate from Buffalo to Utica as a insurance agent?
What do entry-level insurance agents earn in Buffalo vs Utica?
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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