BLS metro-level wage data places Insurance Underwriters pay in Charlotte-Concord-Gastonia, NC-SC at a median of $80,080 per year ($38.50/hr/hour), drawn from the OEWS May 2025 release for this Metropolitan Statistical Area. Compared to the national median of $81,370, Charlotte-Concord-Gastonia pays 2% below, which typically tracks with a lower local cost of living or smaller specialized-employer cluster. Approximately 1,140 insurance underwriterss are employed across the Charlotte-Concord-Gastonia MSA in SOC 13-2053.

The Charlotte-Concord-Gastonia pay distribution spans from $51,270 at the 10th percentile to $132,040 at the 90th — a 2.6× 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 $62,870 and the 75th at $102,740, so half of Charlotte-Concord-Gastonia-based insurance underwriterss 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 Charlotte-Concord-Gastonia, NC-SC 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 NC data, and peer-metro comparisons — a median is a starting point, not a ceiling.