Insurance Agent Hourly Pay in Middletown, OH: $29.58 (2026)
Quick Answer:Hourly pay for a insurance agent working in Middletown, OH runs $29.58 at the median for 2026 — annualizing to $61,513 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Middletown's regional price level (BEA RPP 90.7, 9% below national), each hour of work buys what $32.61 nationally would. A 24-hour part-time schedule grosses $36,913 per year.
Based on BLS state-level estimates · View source
In Middletown, Ohio, the insurance agent hourly pay stands at a median of $29.58, slightly below the national median of $31.02. This compensation structure makes it viable for agents considering part-time roles, where working three days a week could amount to flexible earnings while maintaining work-life balance. For those engaged in per-diem opportunities, the hourly compensation can be quite attractive, albeit less common in this field where most agents work within traditional agency settings. The hourly range in Middletown shows a low of $18.23 for entry-level positions, scaling up to $45.84 for the highest earners. These figures reflect pivotal market expectations stemming from projected annual salary estimates, allowing agents to gauge their financial outlook based on their experience and work environment.
About the Middletown Market
Salary estimated from Ohio average ($58,000) adjusted for local cost of living.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $18.23 | $145.87 |
| Lower Range (P25) | $22.34 | $178.69 |
| Median (P50) | $29.58 | $236.62 |
| Upper Range (P75) | $37.86 | $302.84 |
| Top Earners (P90) | $45.84 | $366.74 |
Estimated Annual Income by Work Schedule in Middletown
Based on $29.58/hr median hourly rate · 2026 est.
At $29.58/hr, a insurance agent working full-time (40 hr/wk) in Middletown, OH can expect to earn approximately $61,522 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $35,493. With a cost-of-living index of 90.70 (below the national average), these earnings stretch further in Middletown.
Hourly Rate Calculator
Schedule Comparison in Middletown
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,183.11 | $5,127 | $61,522 |
| Part-Time (24 hrs) | $709.87 | $3,076 | $36,913 |
| Per Diem (16 hrs) | $473.24 | $2,051 | $24,609 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Middletown) | $29.58 |
| 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 Middletown, OH earn a median of $61,513 per year (2026 est.), which is 4.66% lower than the national median of $64,522 and 0.90% below the Ohio state average of $62,071.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $29.58/hr = $36,913/year (purchasing power: $40,698).
Working 40h/week (full-time) = $61,522/year (purchasing power: $67,830).
CoL index: 90.7 (100 = national average). Your dollars stretch further here.
2019 BLS Actual
$23.35/hr
2025 BLS Actual
$28.55/hr
2026 Current Est.
$29.58/hr
2019–2027 Growth
+31.2%
Hourly Rate Trajectory for Insurance Agents in Middletown (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $23.35/hr | Actual |
| 2020 | $23.92/hr | Actual |
| 2021 | $22.85/hr | Actual |
| 2022 | $26.52/hr | Actual |
| 2023 | $27.08/hr | Actual |
| 2024 | $25.07/hr | Actual |
| 2025 | $28.55/hr | Actual |
| 2026(current) | $29.58/hr | Estimated |
| 2027 | $30.64/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Middletown grew 22.3% from $23.35/hr (2019) to $28.55/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $30.64/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 Middletown 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 Middletown
The outlook for part-time agents working 24 hours per week can significantly vary from their full-time counterparts. For instance, such agents might accrue around $37,142 annually, a substantial difference compared to those in full-time roles, who generally reap the benefits of a more consistent income. Although per-diem and freelance work in insurance is less prevalent, some experts in the field, such as consulting risk managers or expert witnesses, might command rates upwards of $300 per hour due to their specialized knowledge and experience. In Middletown, hourly rates can also differ greatly depending on the type of employer. Captive agents may receive lower hourly compensation but often enjoy employment benefits, while independent agencies may offer higher hourly rates without benefits. Understanding these nuances is vital for agents negotiating their pay. Maintaining a clear perspective on the trade-offs between benefits and raw hourly pay can help inform decisions about whether to aim for positions at large brokerage firms or smaller independent agencies, each with distinct earning potentials and work cultures.
More salary data for Middletown, OH:
Frequently Asked Questions
What is the hourly rate for insurance agents in Middletown in 2026?
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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 Middletown. 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 Middletown 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