Insurance Agent Salary in Xenia, OH: $58,815 (2026)
Quick Answer:A full-time insurance agent in Xenia, OH earns a median $58,815/year (≈ $28.27/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Xenia's price level (9% below national, BEA RPP 90.7), that paycheck buys what $64,846 would nationally. Nominal pay sits 5.2% below the Ohio state average.
Based on BLS state-level estimates · View source
In 2026, insurance agents in Xenia, OH, can expect a median annual salary of $58,815, which notably falls below the national median of $64,522. The salary range for insurance agents in Xenia spans from $36,758 at the 10th percentile to $91,163 at the 90th percentile, illustrating significant potential income variability based on experience levels, specialization, and market dynamics. These figures are derived from state-level estimates and regional cost adjustments, painting a picture of a market where personal lines insurance typically offers lower commissions compared to commercial or specialty lines. While Xenia’s numbers highlight a strong community of insurance professionals, the overall compensation reflects the nuanced challenges of the local market.
About the Xenia Market
Salary estimated from Ohio average ($58,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $36,758 | $17.67 |
| Lower Range (P25) | $44,801 | $21.54 |
| Median (P50)(typical) | $58,815 | $28.27 |
| Upper Range (P75) | $75,283 | $36.20 |
| Top Earners (P90) | $91,163 | $43.83 |
Median Salary Position
8.85% below the national average
2026 Salary Percentile Distribution in Xenia
In Xenia, OH, the insurance agent salary spread from the 10th to 90th percentile is $54,405 (2026 est.). At $58,815, the local median is 8.85% below the national median of $64,522.
Salary Calculator
At 40 hours/week in Xenia: You'd be in the lower-middle range
How Xenia Insurance Agent Pay Compares
Xenia median: $58,815/year (2026)
| Compared To | Median Salary | Xenia Pays |
|---|---|---|
| Ohio Average | $62,041 | -5.20% less |
| National Average | $64,522 | -8.85% less |
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.
Cost-of-Living Adjusted Salary
Xenia 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.
Xenia, OH has a cost-of-living index of 90.7 (below the national average of 100). A insurance agent earning $58,815 nominally has purchasing power equivalent to $64,846 in an average-cost city — an effective 10.25% boost.
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2019 BLS Actual
$46,434
2025 BLS Actual
$56,771
2026 Current Est.
$58,815
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in Xenia (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $46,434 | Actual |
| 2020 | $47,564 | Actual |
| 2021 | $45,431 | Actual |
| 2022 | $52,742 | Actual |
| 2023 | $53,854 | Actual |
| 2024 | $49,854 | Actual |
| 2025 | $56,771 | Actual |
| 2026(current) | $58,815 | Estimated |
| 2027 | $60,932 | Projected |
Based on 7 years of BLS OEWS data for the Xenia metropolitan area, the median insurance agent salary grew 22.3% from $46,434 (2019) to $56,771 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $60,932 by 2027 — a total increase of $14,498 (31.22%) from 2019.
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.
Salary by Experience Level
| Experience | Estimated Salary Range |
|---|---|
| 0-2 years (New Graduate) | $36,758 – $44,801 |
| 3-5 years (Mid Career) | $44,801 – $58,815 |
| 5+ years (Experienced) | $58,815 – $75,283 |
| 10+ years (Top Earner) | $75,283 – $91,163 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Xenia
Currently, Xenia features a compact workforce of just seven insurance agents, revealing a competitive arena where success often depends on one's ability to build a robust book of business. With a cost-of-living index of 90.7, residents enjoy lower living expenses, which can enhance purchasing power relative to earnings in adjacent metropolitan areas. To optimize earnings, agents may find lucrative opportunities within larger brokerage firms or independent agencies, which can provide higher commission structures, especially in the commercial insurance sector. Building relationships with clients and focusing on commercial lines can lead to significantly higher pay, as commissions in these areas can exceed personal lines by several multiples. In this environment, establishing agency ownership or seeking positions that offer producer overrides could greatly impact overall income potential. For those navigating the Xenia job market, targeting strong carriers, whether through captive models or independent agencies, can make a notable difference in insurance agent pay in Xenia, OH.
More salary data for Xenia, 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 $56,771 for insurance agentsin the Xenia 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 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