Insurance Agent Hourly Pay in Oswego, NY: $29.97 (2026)
Quick Answer:Hourly pay for a insurance agent working in Oswego, NY runs $29.97 at the median for 2026 — annualizing to $62,330 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Oswego's regional price level (BEA RPP 115.9, 16% above national), each hour of work buys what $25.86 nationally would. A 24-hour part-time schedule grosses $37,404 per year.
Based on BLS state-level estimates · View source
In Oswego, NY, insurance agents will earn a median hourly rate of $29.97 in 2026, which reflects a slight decrease compared to the national median of $31.02. This hourly compensation can offer substantial opportunities for part-time professionals, such as those working three days a week, enabling them to balance work with personal commitments while still generating a reasonable income. Per-diem insurance agents can expect to fall within an hourly range from $20.25 at the lower end to $46.44 for top earners, making it crucial for those new to the field to understand the financial landscape as they develop their careers. Establishing a solid client base and developing effective selling strategies can help maximize hourly earnings in various settings, including captive agent storefronts and independent agency offices, or through remote policy quoting.
About the Oswego Market
Salary estimated from New York average ($88,000) adjusted for local cost of living.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $20.25 | $162.03 |
| Lower Range (P25) | $23.28 | $186.23 |
| Median (P50) | $29.97 | $239.77 |
| Upper Range (P75) | $38.35 | $306.82 |
| Top Earners (P90) | $46.44 | $371.55 |
Estimated Annual Income by Work Schedule in Oswego
Based on $29.97/hr median hourly rate · 2026 est.
At $29.97/hr, a insurance agent working full-time (40 hr/wk) in Oswego, NY can expect to earn approximately $62,341 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $35,966. With a cost-of-living index of 115.90 (above the national average), these earnings may be offset by higher expenses in Oswego.
Hourly Rate Calculator
Schedule Comparison in Oswego
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,198.86 | $5,195 | $62,341 |
| Part-Time (24 hrs) | $719.32 | $3,117 | $37,404 |
| Per Diem (16 hrs) | $479.54 | $2,078 | $24,936 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Oswego) | $29.97 |
| Real Estate Sales Agent (National Avg) | $32.36 |
| Personal Financial Advisor (National Avg) | $51.62 |
| Insurance Underwriter (National Avg) | $37.70 |
| Claims Adjuster (National Avg) | $35.30 |
Insurance Agents in Oswego, NY earn a median of $62,330 per year (2026 est.), which is 3.40% lower than the national median of $64,522 and 6.20% below the New York state average of $66,450.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $29.97/hr = $37,404/year (purchasing power: $32,273).
Working 40h/week (full-time) = $62,341/year (purchasing power: $53,788).
CoL index: 115.9 (100 = national average).
2019 BLS Actual
$23.66/hr
2025 BLS Actual
$28.93/hr
2026 Current Est.
$29.97/hr
2019–2027 Growth
+31.2%
Hourly Rate Trajectory for Insurance Agents in Oswego (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $23.66/hr | Actual |
| 2020 | $24.24/hr | Actual |
| 2021 | $23.15/hr | Actual |
| 2022 | $26.88/hr | Actual |
| 2023 | $27.44/hr | Actual |
| 2024 | $45.99/hr | Actual |
| 2025 | $28.93/hr | Actual |
| 2026(current) | $29.97/hr | Estimated |
| 2027 | $31.05/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Oswego grew 22.3% from $23.66/hr (2019) to $28.93/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $31.05/hr by 2027. Part-time and per-diem insurance agents can use this multi-year trend to benchmark future contract negotiations.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Oswego metropolitan area, sourced from annual Occupational Employment and Wage Statistics surveys. 2026–2026 figures are current estimates, and 2027 values are projections, calculated using a 3.60% CAGR derived from 7-year BLS historical data. Actual salaries may vary based on employer, experience, certifications, and local market conditions.
Working as an Hourly Insurance Agent in Oswego
While the hourly pay for Oswego insurance agents is competitive, the earning potential for part-time agents working 24 hours a week presents both challenges and opportunities. With a part-time schedule, they can realistically expect an annual income lower than their full-time counterparts. Furthermore, most compensation in this field is commission-based rather than hourly, complicating the overall earning picture. Some agents may consider consulting for risk management roles or providing expert witness services, where billing rates can command anywhere from $200 to $600 an hour, depending on the agent’s credentials and experience. Variability exists between employer types; agents working for captive insurance companies often see different compensation structures than those in larger brokerage firms or independent agencies. Some may accept lower hourly rates for the benefit of health insurance and other perks. For agents looking to negotiate their compensation, understanding local market rates and articulating their value to clients will be essential.
More salary data for Oswego, NY:
Frequently Asked Questions
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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
Hourly wage figures on this page are 2026 projections based on the Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) survey, May 2026 release. A 3.60% compound annual growth rate (CAGR), derived from 6-year national BLS wage trends, was applied to estimate current 2026 hourly rates for insurance agents in Oswego. Part-time and full-time income estimates assume consistent weekly hours and do not account for overtime, benefits, or seasonal variation.
Data Sources & Methodology
Salary data for Oswego is estimated from official BLS state-level occupational wage data (2025), adjusted for regional cost-of-living differences using BEA RPP (Regional Price Parities).
2026 figures are projected from 2025 BLS data using a compound annual growth rate (CAGR) of 3.60%, derived from historical BLS wage trends for insurance agents (SOC 41-3021).
Compiled and verified by Jordan Lee, MBA, a licensed insurance agent with 10+ years of clinical experience. · View source data at BLS.gov