Insurance Agent Salary in Wildwood, FL: $49,624 (2026)
Quick Answer:A full-time insurance agent in Wildwood, FL earns a median $49,624/year (≈ $23.86/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Wildwood's price level (15% below national, BEA RPP 85.4), that paycheck buys what $58,091 would nationally. Nominal pay sits 11.3% below the Florida state average.
Official BLS data · View source
In 2026, the insurance agent salary in Wildwood is projected to be $49,624, which is considerably lower than the national average of $64,522. Salaries for insurance agents in the area vary widely, with a range from $35,783 at the bottom percentile (P10) to $83,864 at the top (P90). This data, derived from BLS 2025 OEWS surveys and projected to 2026, highlights the potential for growth within the local market, driven primarily by the accumulation of a robust book of business. Renewal commissions play a significant role in shaping long-term compensation, positioning Wildwood’s insurance agents to benefit financially as their client bases continue to expand over time.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $35,783 | $17.21 |
| Lower Range (P25) | $45,543 | $21.90 |
| Median (P50)(typical) | $49,624 | $23.86 |
| Upper Range (P75) | $64,916 | $31.21 |
| Top Earners (P90) | $83,864 | $40.32 |
Median Salary Position
23.09% below the national average
2026 Salary Percentile Distribution in Wildwood
In Wildwood, FL, the insurance agent salary spread from the 10th to 90th percentile is $48,081 (2026 est.). At $49,624, the local median is 23.09% below the national median of $64,522.
Salary Calculator
At 40 hours/week in Wildwood: You'd be in the lower-middle range
How Wildwood Insurance Agent Pay Compares
Wildwood median: $49,624/year (2026)
| Compared To | Median Salary | Wildwood Pays |
|---|---|---|
| Florida Average | $55,946 | -11.30% less |
| National Average | $64,522 | -23.09% less |
Insurance Agents in Wildwood, FL earn a median of $49,624 per year (2026 est.), which is 23.09% lower than the national median of $64,522 and 11.30% below the Florida state average of $55,946.
Cost-of-Living Adjusted Salary
Wildwood has a cost of living 14.58% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Wildwood, FL has a cost-of-living index of 85.424 (below the national average of 100). A insurance agent earning $49,624 nominally has purchasing power equivalent to $58,091 in an average-cost city — an effective 17.06% boost.
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2019 BLS Actual
$39,178
2025 BLS Actual
$47,900
2026 Current Est.
$49,624
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in Wildwood (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $39,178 | Actual |
| 2020 | $40,132 | Actual |
| 2021 | $38,332 | Actual |
| 2022 | $44,501 | Actual |
| 2023 | $45,439 | Actual |
| 2024 | $60,630 | Actual |
| 2025 | $47,900 | Actual |
| 2026(current) | $49,624 | Estimated |
| 2027 | $51,411 | Projected |
Based on 7 years of BLS OEWS data for the Wildwood metropolitan area, the median insurance agent salary grew 22.3% from $39,178 (2019) to $47,900 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $51,411 by 2027 — a total increase of $12,233 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Wildwood 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.
Salary by Experience Level
| Experience | Estimated Salary Range |
|---|---|
| 0-2 years (New Graduate) | $35,783 – $45,543 |
| 3-5 years (Mid Career) | $45,543 – $49,624 |
| 5+ years (Experienced) | $49,624 – $64,916 |
| 10+ years (Top Earner) | $64,916 – $83,864 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Wildwood
With approximately 100 insurance agents employed in Wildwood, the local job market reflects a steady demand in a region with a cost-of-living index of 85.424, indicating that housing and other expenses are below the national average. This affordability can enhance take-home purchasing power, allowing agents to enjoy a more comfortable lifestyle than might be found in higher-cost areas. Among local employers, captive agents at carriers such as State Farm and Allstate traditionally offer solid starting packages, but independent agencies and large brokerages can provide differentiated compensation structures, especially in commercial lines where commissions are significantly higher. The broad spectrum of salaries in Wildwood can be attributed to factors such as the size of the agent's book of business, the transition from personal to commercial lines, and agency ownership options. Agents can maximize their earnings by strategically focusing on expanding their commercial client base and seeking opportunities within multi-carrier brokerages that allow greater earning potential through diverse commission structures.
More salary data for Wildwood, FL:
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
Salary figures on this page are 2026 projections based on the Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) survey, May 2026 release. The BLS reported a median annual salary of $47,900 for insurance agentsin the Wildwood metropolitan area. A 3.60% compound annual growth rate (CAGR), calculated from 6-year national BLS wage trends, was applied to project current 2026 compensation. Percentile ranges (P10–P90) represent the full salary distribution across experience levels and practice settings in this market.
Data Sources & Methodology
Source: BLS, OEWS, 2-year dataset (–). Per-city data from annual BLS metropolitan area surveys.
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