Insurance Agent Salary in Fairfield, OH: $59,605 (2026)
Quick Answer:A full-time insurance agent in Fairfield, OH earns a median $59,605/year (≈ $28.66/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Fairfield's price level (9% below national, BEA RPP 90.7), that paycheck buys what $65,717 would nationally. Nominal pay sits 4.0% below the Ohio state average.
Based on BLS state-level estimates · View source
In Fairfield, Ohio, insurance agents can anticipate a median annual salary of $59,605 in 2026, indicating a competitive earning potential when contrasted with a national median of $64,522. The salary range within the area is broad, stretching from $38,479 at the 10th percentile to $92,388 at the 90th percentile, which highlights opportunities for both entry-level and more seasoned agents. These figures, derived from state-level data and adjusted for the area's cost of living, reflect the dynamics of the local insurance market. With renewal commissions becoming a substantial part of compensation, the earnings potential for agents grows as they build their book of business, ensuring ongoing revenue from existing clients.
About the Fairfield Market
Salary estimated from Ohio average ($58,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $38,479 | $18.50 |
| Lower Range (P25) | $46,356 | $22.28 |
| Median (P50)(typical) | $59,605 | $28.66 |
| Upper Range (P75) | $76,295 | $36.68 |
| Top Earners (P90) | $92,388 | $44.41 |
Median Salary Position
7.62% below the national average
2026 Salary Percentile Distribution in Fairfield
In Fairfield, OH, the insurance agent salary spread from the 10th to 90th percentile is $53,909 (2026 est.). At $59,605, the local median is 7.62% below the national median of $64,522.
Salary Calculator
At 40 hours/week in Fairfield: You'd be in the lower-middle range
How Fairfield Insurance Agent Pay Compares
Fairfield median: $59,605/year (2026)
| Compared To | Median Salary | Fairfield Pays |
|---|---|---|
| Ohio Average | $62,089 | -4.00% less |
| National Average | $64,522 | -7.62% less |
Insurance Agents in Fairfield, OH earn a median of $59,605 per year (2026 est.), which is 7.62% lower than the national median of $64,522 and 4.00% below the Ohio state average of $62,089.
Cost-of-Living Adjusted Salary
Fairfield has a cost of living 9.30% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Fairfield, OH has a cost-of-living index of 90.7 (below the national average of 100). A insurance agent earning $59,605 nominally has purchasing power equivalent to $65,717 in an average-cost city — an effective 10.25% boost.
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2019 BLS Actual
$47,058
2025 BLS Actual
$57,534
2026 Current Est.
$59,605
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in Fairfield (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $47,058 | Actual |
| 2020 | $48,204 | Actual |
| 2021 | $46,042 | Actual |
| 2022 | $53,451 | Actual |
| 2023 | $54,578 | Actual |
| 2024 | $50,524 | Actual |
| 2025 | $57,534 | Actual |
| 2026(current) | $59,605 | Estimated |
| 2027 | $61,751 | Projected |
Based on 7 years of BLS OEWS data for the Fairfield metropolitan area, the median insurance agent salary grew 22.3% from $47,058 (2019) to $57,534 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $61,751 by 2027 — a total increase of $14,693 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Fairfield 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) | $38,479 – $46,356 |
| 3-5 years (Mid Career) | $46,356 – $59,605 |
| 5+ years (Experienced) | $59,605 – $76,295 |
| 10+ years (Top Earner) | $76,295 – $92,388 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Fairfield
The job market for insurance agents in Fairfield currently employs nine individuals in this role, and with a cost-of-living index of 90.7, the relative affordability of living in the area enhances the effective purchasing power of these salaries. To maximize earnings in this local context, agents should consider the varying compensation structures across different employers, from captive agents like State Farm and Allstate to independent agencies and large commercial brokerages. Factors such as the size of one’s book of business, the types of policies sold (commercial vs. personal lines), and the nature of employment (captive vs. independent) significantly influence pay disparities. Agents should strategically focus on building a robust clientele, as renewal commissions can lead to considerable long-term gains, while also evaluating opportunities to expand into commercial lines that traditionally offer higher commissions.
More salary data for Fairfield, OH:
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 $57,534 for insurance agentsin the Fairfield 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
Salary data for Fairfield 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