BLS metro-level wage data places Insurance Appraisers, Auto Damage pay in Chicago-Naperville-Elgin, IL-IN at a median of $75,730 per year ($36.41/hr/hour), drawn from the OEWS May 2025 release for this Metropolitan Statistical Area. Compared to the national median of $78,240, Chicago-Naperville-Elgin pays 3% below, which typically tracks with a lower local cost of living or smaller specialized-employer cluster. Approximately 370 insurance appraisers, auto damages are employed across the Chicago-Naperville-Elgin MSA in SOC 13-1032.

The Chicago-Naperville-Elgin pay distribution spans from $48,270 at the 10th percentile to $96,570 at the 90th — a 2.0× spread that reflects experience tenure, specialization, employer size, and the difference between public-sector, nonprofit, and private-sector compensation inside the metro. The 25th percentile sits at $61,570 and the 75th at $76,490, so half of Chicago-Naperville-Elgin-based insurance appraisers, auto damages earn within that middle band.

Metro figures capture where you actually work, not just where you live — which matters for commuters. BLS draws metro boundaries from the OMB MSA definitions, so Chicago-Naperville-Elgin, IL-IN covers the central city plus outlying counties tied to the metro economically. Remember that OEWS wages reflect base pay only: employer-provided health insurance, retirement matches, stock options, signing bonuses, overtime, and tips are excluded and can add 20-40% to real total compensation. Before using this metro median as a negotiation anchor, triangulate against the same occupation's national profile (linked below), its state-wide IL data, and peer-metro comparisons — a median is a starting point, not a ceiling.