Insurance Agent Hourly Pay in Xenia, OH: $28.27 (2026)
Quick Answer:Hourly pay for a insurance agent working in Xenia, OH runs $28.27 at the median for 2026 — annualizing to $58,815 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Xenia's regional price level (BEA RPP 90.7, 9% below national), each hour of work buys what $31.17 nationally would. A 24-hour part-time schedule grosses $35,284 per year.
Based on BLS state-level estimates · View source
In Xenia, OH, insurance agents earn a median hourly rate of $28.27, which falls below the national median of $31.02. This hourly figure is particularly relevant for those considering part-time work, such as agents who operate three days a week, as well as per-diem roles typical in various insurance settings like independent agency offices or corporate environments. The hourly wage ranges considerably, starting at $17.67 for entry-level positions and reaching up to $43.83 for top earners. While these figures provide a baseline understanding, they are derived from annual salary projections, and actual earnings may fluctuate based on commission structures and client interactions, especially in commercial inspections and remote policy quoting tasks.
About the Xenia 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) | $17.67 | $141.39 |
| Lower Range (P25) | $21.54 | $172.31 |
| Median (P50) | $28.27 | $226.18 |
| Upper Range (P75) | $36.20 | $289.58 |
| Top Earners (P90) | $43.83 | $350.67 |
Estimated Annual Income by Work Schedule in Xenia
Based on $28.27/hr median hourly rate · 2026 est.
At $28.27/hr, a insurance agent working full-time (40 hr/wk) in Xenia, OH can expect to earn approximately $58,807 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $33,927. With a cost-of-living index of 90.70 (below the national average), these earnings stretch further in Xenia.
Hourly Rate Calculator
Schedule Comparison in Xenia
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,130.90 | $4,901 | $58,807 |
| Part-Time (24 hrs) | $678.54 | $2,940 | $35,284 |
| Per Diem (16 hrs) | $452.36 | $1,960 | $23,523 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Xenia) | $28.27 |
| 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 Xenia, OH earn a median of $58,815 per year (2026 est.), which is 8.85% lower than the national median of $64,522 and 5.20% below the Ohio state average of $62,041.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $28.27/hr = $35,284/year (purchasing power: $38,902).
Working 40h/week (full-time) = $58,807/year (purchasing power: $64,836).
CoL index: 90.7 (100 = national average). Your dollars stretch further here.
2019 BLS Actual
$22.32/hr
2025 BLS Actual
$27.29/hr
2026 Current Est.
$28.27/hr
2019–2027 Growth
+31.2%
Hourly Rate Trajectory for Insurance Agents in Xenia (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $22.32/hr | Actual |
| 2020 | $22.86/hr | Actual |
| 2021 | $21.84/hr | Actual |
| 2022 | $25.35/hr | Actual |
| 2023 | $25.89/hr | Actual |
| 2024 | $23.97/hr | Actual |
| 2025 | $27.29/hr | Actual |
| 2026(current) | $28.27/hr | Estimated |
| 2027 | $29.29/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Xenia grew 22.3% from $22.32/hr (2019) to $27.29/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $29.29/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 Xenia 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 Xenia
When evaluating the viability of part-time careers in insurance, an agent working 24 hours a week could potentially earn significantly less annually compared to full-time counterparts. In Xenia, most insurance compensation hinges on commission rather than hourly pay, making per-diem structures less common. Specialized roles, such as consulting risk managers or expert witnesses, could potentially yield earnings between $200 and $600 per hour, highlighting the disparity within the field. Hourly rates can vary greatly depending on the employer—captive agents with companies like State Farm might see different pay structures compared to those working in independent agencies or large brokerages focusing on commercial lines. Agents may accept lower hourly pay for the benefits associated with larger firms, like health insurance. Understanding the nuances of negotiation specific to the local market can help insurance agents navigate these pay dynamics effectively in Xenia.
More salary data for Xenia, OH:
Frequently Asked Questions
What is the hourly rate for insurance agents in Xenia 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 Xenia. 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 Xenia 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