Insurance Agent Salary in Fayetteville, NC: $57,042 (2026)
Quick Answer:A full-time insurance agent in Fayetteville, NC earns a median $57,042/year (≈ $27.42/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Fayetteville's price level (8% below national, BEA RPP 92.0), that paycheck buys what $62,017 would nationally. Nominal pay sits 8.9% above the North Carolina state average.
Official BLS data · View source
Fayetteville, North Carolina, offers an enticing picture for insurance agents showing a median annual salary projected at $57,042 in 2026. This figure represents a distinct opportunity given the local salary range, which spans from $38,912 at the 10th percentile to $104,553 at the 90th percentile. The data, based on 2025 BLS OEWS figures projected to 2026, indicates a local salary landscape that is 11.59% lower than the national median of $64,522. Nonetheless, the long-term financial prospects for agents in this market, driven by compounding renewal commissions and robust client relationship management, can be advantageous, especially as agents build out their book of business over time.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $38,912 | $18.71 |
| Lower Range (P25) | $45,087 | $21.67 |
| Median (P50)(typical) | $57,042 | $27.42 |
| Upper Range (P75) | $77,700 | $37.36 |
| Top Earners (P90) | $104,553 | $50.27 |
Median Salary Position
11.59% below the national average
2026 Salary Percentile Distribution in Fayetteville
In Fayetteville, NC, the insurance agent salary spread from the 10th to 90th percentile is $65,641 (2026 est.). At $57,042, the local median is 11.59% below the national median of $64,522.
Salary Calculator
At 40 hours/week in Fayetteville: You'd be in the lower-middle range
How Fayetteville Insurance Agent Pay Compares
Fayetteville median: $57,042/year (2026)
| Compared To | Median Salary | Fayetteville Pays |
|---|---|---|
| North Carolina Average | $52,380 | +8.90% more |
| National Average | $64,522 | -11.59% less |
Insurance Agents in Fayetteville, NC earn a median of $57,042 per year (2026 est.), which is 11.59% lower than the national median of $64,522 and 8.90% above the North Carolina state average of $52,380.
Cost-of-Living Adjusted Salary
Fayetteville has a cost of living 8.02% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Fayetteville, NC has a cost-of-living index of 91.978 (below the national average of 100). A insurance agent earning $57,042 nominally has purchasing power equivalent to $62,017 in an average-cost city — an effective 8.72% boost.
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2019 BLS Actual
$91,690
2025 BLS Actual
$55,060
2026 Current Est.
$57,042
2019–2027 Growth
+-35.5%
Salary Trajectory for Insurance Agents in Fayetteville (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $91,690 | Actual |
| 2020 | $93,530 | Actual |
| 2021 | $44,150 | Actual |
| 2022 | $33,480 | Actual |
| 2023 | $46,870 | Actual |
| 2024 | $56,050 | Actual |
| 2025 | $55,060 | Actual |
| 2026(current) | $57,042 | Estimated |
| 2027 | $59,096 | Projected |
Based on 7 years of BLS OEWS data for the Fayetteville metropolitan area, the median insurance agent salary grew -39.9% from $91,690 (2019) to $55,060 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $59,096 by 2027 — a total increase of $-32,594 (-35.55%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Fayetteville 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) | $38,912 – $45,087 |
| 3-5 years (Mid Career) | $45,087 – $57,042 |
| 5+ years (Experienced) | $57,042 – $77,700 |
| 10+ years (Top Earner) | $77,700 – $104,553 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Fayetteville
With 190 insurance agents already employed in the area, the Fayetteville job market reflects a decent level of activity despite the competitive landscape. The cost of living index in Fayetteville stands at 91.978, meaning agents generally enjoy greater purchasing power when compared to the national average. Top-tier salaries among local employers often come from large brokerage firms and independent agencies, which typically offer higher commission structures, particularly in commercial lines. Captive agents, like those at State Farm and Allstate, may see limitations in upside potential despite having the support of large carriers. Agents aiming to maximize their earnings should focus on building a diverse book of business that includes commercial policies, as these can yield significantly higher commissions than personal lines. Additionally, strategies like pursuing industry credentials such as CPCU can make agents more competitive and enhance their service offerings in this evolving market.
More salary data for Fayetteville, NC:
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 $55,060 for insurance agentsin the Fayetteville 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, 7-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