SOC 39-2021 · 148,520 employed · $27,940 to $35,990
Licensed Independent Agent · NPN #22052447 · 21 States
Wages here span $22,970 to $44,620 within Texas alone. The subsidy cliff sits at $62,600, so the same trade lands on both sides of it.
No earnings level reported in Texas reaches the cliff. Below it the credit scales with income; above it there is none.
| Earnings level in Texas | Annual wage | Where that lands for 2026 |
|---|---|---|
| 10th percentile | $22,970 | Under 250% FPL — credits plus cost-sharing reductions |
| 25th percentile | $27,860 | Under 250% FPL — credits plus cost-sharing reductions |
| Median | $29,810 | Under 250% FPL — credits plus cost-sharing reductions |
| 75th percentile | $35,660 | Under 250% FPL — credits plus cost-sharing reductions |
| 90th percentile | $44,620 | Under 400% FPL — premium tax credit |
| State | 10th | 25th | Median | 75th | 90th | Employed | Benchmark @40 |
|---|---|---|---|---|---|---|---|
| Maryland | $31,200 | $32,430 | $35,990 | $44,380 | $48,750 | 6,380 | $414/mo |
| Colorado | $30,470 | $31,830 | $35,300 | $37,640 | $53,130 | 6,530 | $557/mo |
| Illinois | $29,120 | $29,900 | $34,440 | $36,360 | $48,240 | 10,660 | $646/mo |
| Utah | $22,010 | $29,580 | $31,550 | $37,480 | $59,380 | 2,370 | $640/mo |
| Virginia | $27,800 | $28,660 | $30,830 | $35,570 | $44,500 | 9,610 | $455/mo |
| Florida | $27,310 | $28,540 | $30,380 | $36,510 | $48,810 | 17,610 | $683/mo |
| Nebraska | $24,960 | $27,920 | $29,970 | $36,200 | $49,080 | 2,170 | $710/mo |
| South Carolina | $22,080 | $25,870 | $29,900 | $35,110 | $42,920 | 5,280 | $564/mo |
| Texas | $22,970 | $27,860 | $29,810 | $35,660 | $44,620 | 22,690 | $661/mo |
| Michigan | $26,250 | $28,230 | $29,730 | $35,420 | $43,730 | 6,480 | $523/mo |
| Ohio | $23,210 | $28,100 | $29,700 | $35,360 | $56,790 | 9,750 | $513/mo |
| Nevada | $25,640 | $27,740 | $29,530 | $34,890 | $46,120 | 2,500 | $497/mo |
| Wisconsin | $22,870 | $27,710 | $29,490 | $36,430 | $45,580 | 5,600 | $611/mo |
| South Dakota | $24,100 | $27,460 | $29,460 | $33,920 | $44,970 | 1,030 | $655/mo |
| Arkansas | $26,030 | $27,760 | $29,370 | $33,240 | $38,700 | 2,270 | $774/mo |
| North Carolina | $22,150 | $26,690 | $28,900 | $35,020 | $39,520 | 10,810 | $638/mo |
| Georgia | $18,910 | $24,220 | $28,880 | $30,890 | $38,880 | 9,620 | $615/mo |
| Indiana | $21,650 | $24,780 | $28,800 | $34,850 | $44,270 | 6,200 | $474/mo |
| Oklahoma | $18,760 | $22,350 | $28,370 | $34,300 | $46,810 | 3,780 | $604/mo |
| Kansas | $19,240 | $22,400 | $27,970 | $34,490 | $46,620 | 3,010 | $670/mo |
| Alabama | $20,590 | $22,560 | $27,940 | $33,060 | $44,420 | 4,170 | $645/mo |
BLS surveys wage and salary workers, so these exclude the self-employed. For an owner-operator they are a benchmark for the trade in that state, not your own net income.
Wages: BLS OEWS May 2024, SOC 39-2021, state percentiles, bls.gov/oes, retrieved 2026-08-03, reproduced unmodified. Cliff: 400% of the 2025 HHS poverty guideline (90 FR 5917). Premiums: CMS PY2026 Landscape file. Data: CSV · JSON.