Insurance Agent Salary in University Park, TX: $45,846 (2026)
Quick Answer:A full-time insurance agent in University Park, TX earns a median $45,846/year (≈ $22.05/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in University Park's price level (4% below national, BEA RPP 96.0), that paycheck buys what $47,756 would nationally. Nominal pay sits 5.3% below the Texas state average.
Based on BLS state-level estimates · View source
In University Park, TX, insurance agents can look forward to a median annual salary of $45,846 in 2026, which significantly lags behind the national median of $64,522. The local salary range spans from $28,076 at the lower end (P10) to $71,061 for the upper echelon (P90). These figures derive from estimates based on BLS state-level data and reflect the economic realities of the area, highlighting the compounded nature of commission-based earnings, particularly influenced by renewal commissions from a strong book of business. As the local insurance market evolves, driven largely by the comparative growth in commercial lines, University Park presents a unique opportunity for agents who can successfully navigate these revenue streams.
About the University Park Market
Salary estimated from Texas average ($65,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $28,076 | $13.50 |
| Lower Range (P25) | $34,390 | $16.53 |
| Median (P50)(typical) | $45,846 | $22.05 |
| Upper Range (P75) | $58,683 | $28.21 |
| Top Earners (P90) | $71,061 | $34.17 |
Median Salary Position
28.95% below the national average
2026 Salary Percentile Distribution in University Park
In University Park, TX, the insurance agent salary spread from the 10th to 90th percentile is $42,985 (2026 est.). At $45,846, the local median is 28.95% below the national median of $64,522.
Salary Calculator
At 40 hours/week in University Park: You'd be in the lower-middle range
How University Park Insurance Agent Pay Compares
University Park median: $45,846/year (2026)
| Compared To | Median Salary | University Park Pays |
|---|---|---|
| Texas Average | $48,412 | -5.30% less |
| National Average | $64,522 | -28.95% less |
Insurance Agents in University Park, TX earn a median of $45,846 per year (2026 est.), which is 28.95% lower than the national median of $64,522 and 5.30% below the Texas state average of $48,412.
Cost-of-Living Adjusted Salary
University Park has a cost of living 4.00% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
University Park, TX has a cost-of-living index of 96 (below the national average of 100). A insurance agent earning $45,846 nominally has purchasing power equivalent to $47,756 in an average-cost city — an effective 4.17% boost.
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2019 BLS Actual
$36,195
2025 BLS Actual
$44,253
2026 Current Est.
$45,846
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in University Park (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $36,195 | Actual |
| 2020 | $37,076 | Actual |
| 2021 | $35,414 | Actual |
| 2022 | $41,112 | Actual |
| 2023 | $41,979 | Actual |
| 2024 | $59,118 | Actual |
| 2025 | $44,253 | Actual |
| 2026(current) | $45,846 | Estimated |
| 2027 | $47,497 | Projected |
Based on 7 years of BLS OEWS data for the University Park metropolitan area, the median insurance agent salary grew 22.3% from $36,195 (2019) to $44,253 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $47,497 by 2027 — a total increase of $11,302 (31.23%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the University Park 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) | $28,076 – $34,390 |
| 3-5 years (Mid Career) | $34,390 – $45,846 |
| 5+ years (Experienced) | $45,846 – $58,683 |
| 10+ years (Top Earner) | $58,683 – $71,061 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in University Park
With only five insurance agents currently employed in the University Park area, competition remains tight yet presents stability for those entering the market. The local cost of living index at 96 indicates that while salaries may be lower than the national average, purchasing power remains relatively favorable. Among potential employers, independent agencies and large commercial brokerages generally offer higher compensation due to their broader service offerings and client base. Captive agents may receive advantages such as sign-on bonuses and training, but often experience capped earning potential. To maximize compensation, agents should focus on building robust renewal commissions, expanding into commercial lines, and considering ownership opportunities within their agencies. This approach aligns with the growth rate of 3.60% projected over the next five years, indicating a positive trajectory for insurance agent pay in University Park, TX.
More salary data for University Park, 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
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 $44,253 for insurance agentsin the University Park 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 University Park 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