Last updated: 2025 BLS data · Page refreshed:
What does a Insurance Underwriters salary really buy you in Pennsylvania?
Pennsylvania is 3.8% cheaper than the US averageData: BLS OEWS 2025 + BEA Regional Price Parities 2022 • Updated 2026-05-19
Pennsylvania's Regional Price Parity (RPP) is 96.2, meaning prices are 3.8% lower the national average. A Insurance Underwriters earning $78,950 in Pennsylvania has the equivalent purchasing power of $82,068 in an average-cost US state.
Every dollar goes further in low-cost states. Here is how each salary percentile compares after adjusting for Pennsylvania's cost of living.
| Percentile | Nominal Salary | COL-Adjusted | Difference |
|---|---|---|---|
| 10th Percentile (P10) | $50,310 | $52,297 | +$1,987 |
| 25th Percentile (P25) | $63,440 | $65,945 | +$2,505 |
| Median (P50) | $78,950 | $82,068 | +$3,118 |
| 75th Percentile (P75) | $103,720 | $107,817 | +$4,097 |
| 90th Percentile (P90) | $135,600 | $140,956 | +$5,356 |
A Insurance Underwriters in Pennsylvania earns $78,950 on paper, but low living costs mean your money goes 4% further — like earning $82,068 in an average-cost state. This makes Pennsylvania one of the best value states for this occupation.
With an RPP of 96.2, Pennsylvania is within a few percent of the national cost-of-living baseline. Salary adjustment for Insurance Underwriters is therefore minor — what you earn is close to what you'd keep in real purchasing power.
After applying Pennsylvania's RPP, the $78,950 median salary translates to $82,069 in real terms — a 4.0% gain. That difference can cover several months of expenses over a year for a Insurance Underwriters.
Pennsylvania's rank of #30 of 49 states means real purchasing power for Insurance Underwriters trails the national half-way line.
Where does Insurance Underwriters salary stretch the furthest? Top 10 states ranked by COL-adjusted median salary.
Pennsylvania ranks #30 out of 49 states for Insurance Underwriters after cost-of-living adjustment.
How much do you actually take home? See Insurance Underwriters take-home pay in Pennsylvania after taxes →
A Insurance Underwriters in Pennsylvania earns a median salary of $78,950 per year. After adjusting for Pennsylvania's cost of living (RPP=96.2), the real purchasing power is $82,068 — a +4.0% difference.
Pennsylvania's cost of living is 3.8% lower than the national average according to the BEA Regional Price Parities (2022). The RPP index for Pennsylvania is 96.2 (US average = 100).
Regional Price Parities (RPPs) are price indexes published by the U.S. Bureau of Economic Analysis (BEA) that measure differences in price levels across states. They are expressed as a percentage of the national average (US = 100). Higher RPP means higher cost of living.
The adjusted salary is calculated as: Nominal Salary x (100 / RPP). For a Insurance Underwriters in Pennsylvania: $78,950 x (100 / 96.2) = $82,068. This represents what the salary would be worth in a state with average living costs.
From a purchasing power perspective, yes. A Insurance Underwriters in Pennsylvania enjoys 4.0% more buying power than the nominal salary suggests, because living costs are below the national average. However, other factors like job availability, career growth, and quality of life also matter.
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