Last updated: 2025 BLS data · Page refreshed:
How much does a Insurance Underwriters actually take home in Arkansas?
Progressive (up to 4.4%) — 24.0% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Insurance Underwriters earning $82,130 in Arkansas (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $82,130 | — |
| Federal Income Tax | -$9,909 | 12.1% |
| Arkansas State Income Tax | -$3,493 | 4.3% |
| Social Security (OASDI) | -$5,092 | 6.2% |
| Medicare | -$1,190 | 1.4% |
| Total Taxes | -$19,686 | 24.0% |
| Take-Home Pay | $62,443 | 76.0% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Insurance Underwriters in Arkansas.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $41,450 | -$7,864 | $33,585 | 19.0% |
| 25th Percentile (P25) | $50,180 | -$9,964 | $40,215 | 19.9% |
| Median (P50) | $82,130 | -$19,686 | $62,443 | 24.0% |
| 75th Percentile (P75) | $110,920 | -$29,489 | $81,430 | 26.6% |
| 90th Percentile (P90) | $158,530 | -$46,568 | $111,961 | 29.4% |
After federal income tax ($9,909), state tax ($3,493), and FICA ($6,282), a Insurance Underwriters in Arkansas takes home $62,443 per year — or $5,203 per month. The effective tax rate of 24.0% is relatively low compared to the national range.
With an effective total rate of 24.0%, a Insurance Underwriters in Arkansas keeps $62,444 of $82,130 gross — roughly typical for U.S. middle-income earners once federal, FICA and state taxes are combined.
Arkansas uses a progressive state income tax, so brackets escalate as wages rise. For this Insurance Underwriters salary the state tax works out to $3,494 (4.3% effective) — on top of federal and FICA.
Federal tax on this Insurance Underwriters salary is $9,910 (50%), but combined state ($3,494, 18%) + FICA ($6,283, 32%) make up the other 50% of the bill.
Moving this same Insurance Underwriters salary to a zero-state-tax state would yield around $65,937 net — a gain of $3,494 (5.6%) per year versus Arkansas.
Arkansas ranks #22 of 49 states for Insurance Underwriters after-tax pay — comfortably in the upper half.
Translated into paycheck cadences, $62,444 net/year works out to $5,204/month or $2,402/bi-weekly for this Insurance Underwriters in Arkansas — the numbers that actually hit a checking account after every deduction.
Where does a Insurance Underwriters keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Arkansas ranks #22 out of 49 states for Insurance Underwriters after-tax take-home pay.
A Insurance Underwriters in Arkansas earning a median salary of $82,130 will take home approximately $62,443 per year after federal income tax ($9,909), state income tax ($3,493), and FICA ($6,282). That is $5,203 per month or $2,401 per bi-weekly paycheck.
The effective total tax rate for a Insurance Underwriters in Arkansas is 24.0%, broken down as: federal income tax 12.1%, Arkansas state tax 4.3%, and FICA (Social Security + Medicare) 7.7%. This assumes a single filer with the standard deduction for 2024.
Arkansas has a progressive (up to 4.4%). On a Insurance Underwriters's median salary of $82,130, the state income tax amounts to $3,493 per year, which is an effective state rate of 4.3%.
After all taxes, a Insurance Underwriters in Arkansas takes home approximately $5,203 per month, or about $30.02 per hour (based on a standard 2,080-hour work year). These figures assume a single filer, standard deduction, and no additional pre-tax deductions.
We start with the 2025 BLS median salary of $82,130 for Insurance Underwriters in Arkansas, then subtract: federal income tax using 2024 IRS brackets ($14,600 standard deduction), Arkansas state income tax (progressive (up to 4.4%)), Social Security (6.2% up to $168,600), and Medicare (1.45%). The result — $62,443/yr — does not include local taxes, pre-tax deductions (401k, HSA), or tax credits.
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This estimate assumes a single filer using the 2024 standard deduction ($14,600), with W-2 employment income only. It does not account for: itemized deductions, tax credits (e.g. earned income credit, child tax credit), local/city taxes, pre-tax contributions (401k, HSA, FSA), self-employment tax, or additional income sources. Actual take-home pay may differ. Consult a tax professional for personalized advice.
Our Methodology · Data Sources · Salary: BLS OEWS · Tax: IRS + State DOR