Insurance Agent Hourly Pay in Schertz, TX: $22.33 (2026)
Quick Answer:Hourly pay for a insurance agent working in Schertz, TX runs $22.33 at the median for 2026 — annualizing to $46,427 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Schertz's regional price level (BEA RPP 96.0, 4% below national), each hour of work buys what $23.26 nationally would. A 24-hour part-time schedule grosses $27,863 per year.
Based on BLS state-level estimates · View source
In Schertz, TX, the projected median hourly rate for insurance agents in 2026 is $22.33, which falls significantly below the national median of $31.02. This rate reflects the reality for part-time agents working three days a week, who can expect earnings of around $1,070 biweekly for 24 hours of work, though they will face financial challenges compared to full-time work. The hourly pay range for insurance agents in the area spans from $13.70 for entry-level positions to $34.60 for experienced professionals, highlighting opportunities for both novice and seasoned agents. Typical work settings include captive agent storefronts, independent agency offices, and remote environments, where agents may be involved in client business visits, policy quoting, or commercial inspections. This diversity in the workplace influences not just the earning potential but the nature of client interactions and commission structures.
About the Schertz Market
Salary estimated from Texas average ($65,000) adjusted for local cost of living.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $13.70 | $109.57 |
| Lower Range (P25) | $16.84 | $134.68 |
| Median (P50) | $22.33 | $178.61 |
| Upper Range (P75) | $28.57 | $228.58 |
| Top Earners (P90) | $34.60 | $276.82 |
Estimated Annual Income by Work Schedule in Schertz
Based on $22.33/hr median hourly rate · 2026 est.
At $22.33/hr, a insurance agent working full-time (40 hr/wk) in Schertz, TX can expect to earn approximately $46,438 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $26,791. With a cost-of-living index of 96.00 (below the national average), these earnings stretch further in Schertz.
Hourly Rate Calculator
Schedule Comparison in Schertz
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $893.03 | $3,870 | $46,438 |
| Part-Time (24 hrs) | $535.82 | $2,322 | $27,863 |
| Per Diem (16 hrs) | $357.21 | $1,548 | $18,575 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Schertz) | $22.33 |
| 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 Schertz, TX earn a median of $46,427 per year (2026 est.), which is 28.04% lower than the national median of $64,522 and 4.10% below the Texas state average of $48,412.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $22.33/hr = $27,863/year (purchasing power: $29,024).
Working 40h/week (full-time) = $46,438/year (purchasing power: $48,373).
CoL index: 96 (100 = national average). Your dollars stretch further here.
2019 BLS Actual
$17.63/hr
2025 BLS Actual
$21.55/hr
2026 Current Est.
$22.33/hr
2019–2027 Growth
+31.2%
Hourly Rate Trajectory for Insurance Agents in Schertz (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $17.63/hr | Actual |
| 2020 | $18.06/hr | Actual |
| 2021 | $17.25/hr | Actual |
| 2022 | $20.02/hr | Actual |
| 2023 | $20.44/hr | Actual |
| 2024 | $28.78/hr | Actual |
| 2025 | $21.55/hr | Actual |
| 2026(current) | $22.33/hr | Estimated |
| 2027 | $23.13/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Schertz grew 22.3% from $17.63/hr (2019) to $21.55/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $23.13/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 Schertz 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 Schertz
Working part-time as an insurance agent in Schertz may yield an annual income that is substantially less than what full-time agents can achieve. For a 24-hour workweek, an agent could earn approximately $27,840 annually, significantly lower than those working full-time, often targeting the commercial lines market where pay tends to be higher. Most compensation in this field is commission-driven rather than per diem; consultants and expert witnesses can command much higher hourly rates, often billing between $200 and $600 based on their expertise. The varied employer types in the region also cater to different compensation structures: captive agencies might offer fewer benefits in exchange for lower hourly pay, while independent firms and larger brokerages may provide better packages but demand greater productivity. This balance is crucial for agents to consider when entering negotiations; those who prioritize salary might sacrifice benefits, while others may opt for higher rates without health insurance. Understanding the local market dynamics is vital for new and existing agents aiming to maximize their potential in Schertz.
More salary data for Schertz, TX:
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 Schertz. 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 Schertz 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