Insurance Agent Salary in Dayton, OH: $61,559 (2026)
Quick Answer:A full-time insurance agent in Dayton, OH earns a median $61,559/year (≈ $29.60/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Dayton's price level (7% below national, BEA RPP 92.7), that paycheck buys what $66,411 would nationally. Nominal pay sits 0.8% below the Ohio state average.
Official BLS data · View source
In 2026, insurance agents in Dayton, OH, can expect a median annual salary of $61,559, slightly below the national median of $64,522. This salary reflects a range that spans from $35,607 at the lower end to $122,807 for those at the top 10% of earners. These figures come from official BLS OEWS surveys and illustrate the divergence in compensation based on commission structures. Agents who specialize in commercial lines often earn significantly higher commissions—up to 5-10 times that of personal lines—while captive agents, despite solid base pay from companies like State Farm and Allstate, can find their salary potential capped compared to independent brokers who can manage multiple carriers for better payouts. Understanding these dynamics is essential as agents navigate their career paths in this market.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $35,607 | $17.11 |
| Lower Range (P25) | $45,232 | $21.75 |
| Median (P50)(typical) | $61,559 | $29.60 |
| Upper Range (P75) | $82,289 | $39.56 |
| Top Earners (P90) | $122,807 | $59.04 |
Median Salary Position
4.59% below the national average
2026 Salary Percentile Distribution in Dayton
In Dayton, OH, the insurance agent salary spread from the 10th to 90th percentile is $87,200 (2026 est.). At $61,559, the local median is 4.59% below the national median of $64,522.
Salary Calculator
At 40 hours/week in Dayton: You'd be in the lower-middle range
How Dayton Insurance Agent Pay Compares
Dayton median: $61,559/year (2026)
| Compared To | Median Salary | Dayton Pays |
|---|---|---|
| Ohio Average | $62,056 | -0.80% less |
| National Average | $64,522 | -4.59% less |
Insurance Agents in Dayton, OH earn a median of $61,559 per year (2026 est.), which is 4.59% lower than the national median of $64,522 and 0.80% below the Ohio state average of $62,056.
Cost-of-Living Adjusted Salary
Dayton has a cost of living 7.31% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Dayton, OH has a cost-of-living index of 92.694 (below the national average of 100). A insurance agent earning $61,559 nominally has purchasing power equivalent to $66,411 in an average-cost city — an effective 7.88% boost.
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2019 BLS Actual
$62,820
2025 BLS Actual
$59,420
2026 Current Est.
$61,559
2019–2027 Growth
+1.5%
Salary Trajectory for Insurance Agents in Dayton (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $62,820 | Actual |
| 2020 | $57,760 | Actual |
| 2021 | $59,930 | Actual |
| 2022 | $52,530 | Actual |
| 2023 | $48,640 | Actual |
| 2024 | $58,550 | Actual |
| 2025 | $59,420 | Actual |
| 2026(current) | $61,559 | Estimated |
| 2027 | $63,775 | Projected |
Based on 7 years of BLS OEWS data for the Dayton metropolitan area, the median insurance agent salary grew -5.4% from $62,820 (2019) to $59,420 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $63,775 by 2027 — a total increase of $955 (1.52%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Dayton 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) | $35,607 – $45,232 |
| 3-5 years (Mid Career) | $45,232 – $61,559 |
| 5+ years (Experienced) | $61,559 – $82,289 |
| 10+ years (Top Earner) | $82,289 – $122,807 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Dayton
Dayton's job market currently employs around 760 insurance agents, which indicates a stable industry presence. With a cost of living index of 92.694, agents in Dayton enjoy a favorable economic environment, enhancing their purchasing power compared to more expensive regions. Top employers in the area, including large independent agencies and commercial brokerages, are likely to offer the most competitive salaries. Factors that contribute to the variance in insurance agent pay in Dayton include the size of an agent's book of business, the nature of lines sold, and agency ownership stakes. Maximizing earnings may involve pursuing credentials such as CPCU or CIC, gaining experience in commercial lines, or moving into ownership roles within an agency. Agents who diversify their skills and client base can expect to see greater financial rewards in this competitive market.
More salary data for Dayton, OH:
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 $59,420 for insurance agentsin the Dayton 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