Last updated: 2025 BLS data · Page refreshed:
How much does a Insurance Underwriters actually take home in Maine?
Progressive (up to 7.1%) — 27.8% 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 $95,510 in Maine (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $95,510 | — |
| Federal Income Tax | -$12,853 | 13.5% |
| Maine State Income Tax | -$6,364 | 6.7% |
| Social Security (OASDI) | -$5,921 | 6.2% |
| Medicare | -$1,384 | 1.4% |
| Total Taxes | -$26,523 | 27.8% |
| Take-Home Pay | $68,986 | 72.2% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Insurance Underwriters in Maine.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $62,730 | -$14,460 | $48,269 | 23.1% |
| 25th Percentile (P25) | $71,100 | -$17,540 | $53,559 | 24.7% |
| Median (P50) | $95,510 | -$26,523 | $68,986 | 27.8% |
| 75th Percentile (P75) | $109,400 | -$31,635 | $77,764 | 28.9% |
| 90th Percentile (P90) | $133,390 | -$40,828 | $92,561 | 30.6% |
After federal income tax ($12,853), state tax ($6,364), and FICA ($7,306), a Insurance Underwriters in Maine takes home $68,986 per year — or $5,748 per month. The effective tax rate of 27.8% is moderate compared to the national range.
A Insurance Underwriters in Maine loses 27.8% of gross pay to taxes — higher than the ~25% national midpoint. Of the $95,510 gross, $68,986 lands in the paycheck after federal ($12,853), state ($6,364), and FICA ($7,307) withholding.
Maine uses a progressive state income tax, so brackets escalate as wages rise. For this Insurance Underwriters salary the state tax works out to $6,364 (6.7% effective) — on top of federal and FICA.
Federal tax on this Insurance Underwriters salary is $12,853 (48%), but combined state ($6,364, 24%) + FICA ($7,307, 28%) make up the other 52% of the bill.
The state-tax gap is substantial: a Insurance Underwriters earning this gross in a no-income-tax state would net about $75,350 — an extra $6,364 (9.2%) annually compared with Maine.
For Insurance Underwriters after-tax pay, Maine ranks #11 of 49 states — top quartile. High gross wages or low state-tax burden (or both) drive the strong ranking.
Translated into paycheck cadences, $68,986 net/year works out to $5,749/month or $2,653/bi-weekly for this Insurance Underwriters in Maine — 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.
Maine ranks #11 out of 49 states for Insurance Underwriters after-tax take-home pay.
A Insurance Underwriters in Maine earning a median salary of $95,510 will take home approximately $68,986 per year after federal income tax ($12,853), state income tax ($6,364), and FICA ($7,306). That is $5,748 per month or $2,653 per bi-weekly paycheck.
The effective total tax rate for a Insurance Underwriters in Maine is 27.8%, broken down as: federal income tax 13.5%, Maine state tax 6.7%, and FICA (Social Security + Medicare) 7.6%. This assumes a single filer with the standard deduction for 2024.
Maine has a progressive (up to 7.1%). On a Insurance Underwriters's median salary of $95,510, the state income tax amounts to $6,364 per year, which is an effective state rate of 6.7%.
After all taxes, a Insurance Underwriters in Maine takes home approximately $5,748 per month, or about $33.17 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 $95,510 for Insurance Underwriters in Maine, then subtract: federal income tax using 2024 IRS brackets ($14,600 standard deduction), Maine state income tax (progressive (up to 7.1%)), Social Security (6.2% up to $168,600), and Medicare (1.45%). The result — $68,986/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