Insurance Agent Salary in Oshkosh, WI: $80,124 (2026)
Quick Answer:A full-time insurance agent in Oshkosh, WI earns a median $80,124/year (≈ $38.52/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Oshkosh's price level (7% below national, BEA RPP 92.9), that paycheck buys what $86,221 would nationally. Nominal pay sits 0.0% above the Wisconsin state average.
Official BLS data · View source
In 2026, the estimated insurance agent salary in Oshkosh, Wisconsin, is set at $80,124 annually, outperforming the national median of $64,522 by a significant margin of 24.18%. Salary expectations for local agents span a broad range, from $50,961 at the 10th percentile to $161,409 at the 90th percentile. This data, based on 2025 BLS OEWS data projected to 2026, highlights the evolving dynamics of the insurance industry in Oshkosh. Traditionally dominated by captive agents from companies like State Farm and Allstate, the market is witnessing a shift as independent agencies and large commercial brokerages gain traction, influencing compensation structures and employment opportunities in the region.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $50,961 | $24.50 |
| Lower Range (P25) | $62,678 | $30.14 |
| Median (P50)(typical) | $80,124 | $38.52 |
| Upper Range (P75) | $109,225 | $52.51 |
| Top Earners (P90) | $161,409 | $77.60 |
Median Salary Position
24.18% above the national average
2026 Salary Percentile Distribution in Oshkosh
In Oshkosh, WI, the insurance agent salary spread from the 10th to 90th percentile is $110,448 (2026 est.). At $80,124, the local median is 24.18% above the national median of $64,522.
Salary Calculator
At 40 hours/week in Oshkosh: You'd be in the lower-middle range
How Oshkosh Insurance Agent Pay Compares
Oshkosh median: $80,124/year (2026)
| Compared To | Median Salary | Oshkosh Pays |
|---|---|---|
| National Average | $64,522 | +24.18% more |
Insurance Agents in Oshkosh, WI earn a median of $80,124 per year (2026 est.), which is 24.18% higher than the national median of $64,522.
Cost-of-Living Adjusted Salary
Oshkosh has a cost of living 7.07% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Oshkosh, WI has a cost-of-living index of 92.929 (below the national average of 100). A insurance agent earning $80,124 nominally has purchasing power equivalent to $86,221 in an average-cost city — an effective 7.61% boost.
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2019 BLS Actual
$49,660
2025 BLS Actual
$77,340
2026 Current Est.
$80,124
2019–2027 Growth
+67.2%
Salary Trajectory for Insurance Agents in Oshkosh (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $49,660 | Actual |
| 2020 | $53,070 | Actual |
| 2021 | $61,270 | Actual |
| 2022 | $62,340 | Actual |
| 2023 | $66,110 | Actual |
| 2024 | $72,090 | Actual |
| 2025 | $77,340 | Actual |
| 2026(current) | $80,124 | Estimated |
| 2027 | $83,009 | Projected |
Based on 7 years of BLS OEWS data for the Oshkosh metropolitan area, the median insurance agent salary grew 55.7% from $49,660 (2019) to $77,340 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $83,009 by 2027 — a total increase of $33,349 (67.15%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Oshkosh 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) | $50,961 – $62,678 |
| 3-5 years (Mid Career) | $62,678 – $80,124 |
| 5+ years (Experienced) | $80,124 – $109,225 |
| 10+ years (Top Earner) | $109,225 – $161,409 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Oshkosh
The job market for insurance agents in Oshkosh encompasses approximately 200 professionals, creating a competitive landscape despite a cost-of-living index of 92.929, indicating more favorable purchasing power compared to many national benchmarks. Captive agents from established carriers typically receive higher initial compensation but may face limits on earning potential due to capped commissions, while independent agents often enjoy more flexibility and higher payouts, particularly in commercial lines that can yield 5 to 10 times the commission compared to personal lines. To maximize their earnings, aspiring agents in Oshkosh should focus on building a substantial book of business, pursuing necessary credentials such as CPCU or CIC, and considering roles within agencies or brokerages that offer equity opportunities or lucrative producer overrides.
More salary data for Oshkosh, WI:
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 $77,340 for insurance agentsin the Oshkosh 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