BLS metro-level wage data places Insurance Underwriters pay in Hagerstown-Martinsburg, MD-WV at a median of $80,770 per year ($38.83/hr/hour), drawn from the OEWS May 2025 release for this Metropolitan Statistical Area. Compared to the national median of $81,370, Hagerstown-Martinsburg pays 1% below, which typically tracks with a lower local cost of living or smaller specialized-employer cluster. Approximately 50 insurance underwriterss are employed across the Hagerstown-Martinsburg MSA in SOC 13-2053.

The Hagerstown-Martinsburg pay distribution spans from $45,740 at the 10th percentile to $154,990 at the 90th — a 3.4× 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 $65,070 and the 75th at $101,850, so half of Hagerstown-Martinsburg-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 Hagerstown-Martinsburg, MD-WV 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 MD data, and peer-metro comparisons — a median is a starting point, not a ceiling.