Benchmark $661/mo · ranked 17 of 21 · median wage $66,700
Licensed Independent Agent · NPN #22052447 · 21 States
The benchmark premium for a 40-year-old in Texas is $661 a month for 2026, ranking 17 of 21 states published here. BLS reports a median annual wage of $66,700 for Real Estate Brokers in Texas.
Above the cliff. At this income a single-person household receives no premium tax credit for 2026 and pays the full premium.
This occupation sits above the cliff in 10 of the 18 states reported and below it in the other 8, so the answer changes with the state.
What this figure is. It is the median annual wage BLS reports for Real Estate Brokers (SOC 41-9021) in Texas. BLS surveys wage and salary workers and excludes the self-employed, so it is a benchmark for the occupation in this state — not the income of a self-employed real estate broker. Premium tax credit eligibility is set by household modified adjusted gross income and household size, not by occupation, so treat this as a reference point rather than a determination of what you qualify for.
Why the cliff is back. The enhanced premium tax credits expired on 31 December 2025. For plan year 2026 the 400% FPL limit applies again, so household income above $62,600 ends premium tax credit eligibility outright.
Benchmark premium and median wage for this occupation, ranked by premium.
| # | State | Benchmark @40 | Median wage | vs cliff |
|---|---|---|---|---|
| 1 | Maryland | $414 | $82,500 | above |
| 2 | Virginia | $455 | $55,660 | below |
| 3 | Indiana | $474 | $76,330 | above |
| 4 | Nevada | $497 | $86,730 | above |
| 5 | Ohio | $513 | $45,850 | below |
| 6 | Michigan | $523 | $58,640 | below |
| 7 | Colorado | $557 | $79,400 | above |
| 8 | South Carolina | $564 | $54,300 | below |
| 9 | Oklahoma | $604 | — | — |
| 10 | Wisconsin | $611 | $63,690 | above |
| 11 | Georgia | $615 | — | — |
| 12 | North Carolina | $638 | $62,660 | above |
| 13 | Utah | $640 | $81,230 | above |
| 14 | Alabama | $645 | $62,000 | below |
| 15 | Illinois | $646 | $55,290 | below |
| 16 | South Dakota | $655 | — | — |
| 17 | Texas | $661 | $66,700 | above |
| 18 | Kansas | $670 | $40,930 | below |
| 19 | Florida | $683 | $63,440 | above |
| 20 | Nebraska | $710 | $47,170 | below |
| 21 | Arkansas | $774 | $63,890 | above |
This page compares states. For Texas specifically — county-by-county carriers, plan data and enrollment help — that is published on Coverage by County.
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