SOC 53-7081 · 71,400 employed · $33,030 to $65,440
Licensed Independent Agent · NPN #22052447 · 21 States
The median is $45,710 in Texas, but the median is not who you are. A quarter earn under $39,030 and a quarter over $49,050, and the 2026 credit cuts off at $62,600.
No earnings level reported in Texas reaches the cliff. Everything below it keeps a premium tax credit; everything above pays list price.
| Earnings level in Texas | Annual wage | Where that lands for 2026 |
|---|---|---|
| 10th percentile | $32,870 | Under 250% FPL — credits plus cost-sharing reductions |
| 25th percentile | $39,030 | Under 250% FPL — credits plus cost-sharing reductions |
| Median | $45,710 | Under 400% FPL — premium tax credit |
| 75th percentile | $49,050 | Under 400% FPL — premium tax credit |
| 90th percentile | $56,360 | Under 400% FPL — premium tax credit |
| State | 10th | 25th | Median | 75th | 90th | Employed | Benchmark @40 |
|---|---|---|---|---|---|---|---|
| Nevada | $35,350 | $56,010 | $65,440 | $78,420 | $80,170 | 600 | $497/mo |
| Illinois | $36,190 | $47,230 | $61,880 | $80,890 | $84,570 | 4,940 | $646/mo |
| Colorado | $38,960 | $47,300 | $60,610 | $63,710 | $73,670 | 3,410 | $557/mo |
| Wisconsin | $35,080 | $51,320 | $60,390 | $62,880 | $64,440 | 1,330 | $611/mo |
| Michigan | $34,320 | $46,180 | $59,290 | $72,640 | $78,040 | 3,680 | $523/mo |
| Indiana | $34,470 | $48,810 | $59,260 | $61,760 | $69,810 | 2,980 | $474/mo |
| Utah | $31,230 | $43,820 | $50,720 | $59,090 | $61,270 | 680 | $640/mo |
| Ohio | $32,270 | $40,620 | $48,730 | $58,570 | $62,880 | 5,000 | $513/mo |
| Nebraska | $30,560 | $36,900 | $47,490 | $55,660 | $60,660 | 1,190 | $710/mo |
| Florida | $32,710 | $38,280 | $46,890 | $52,180 | $62,030 | 9,690 | $683/mo |
| Virginia | $28,800 | $34,950 | $46,080 | $55,040 | $60,700 | 3,720 | $455/mo |
| Texas | $32,870 | $39,030 | $45,710 | $49,050 | $56,360 | 10,720 | $661/mo |
| Georgia | $30,300 | $35,780 | $43,000 | $51,460 | $60,480 | 4,790 | $615/mo |
| Kansas | $28,390 | $31,210 | $42,540 | $46,790 | $57,090 | 980 | $670/mo |
| North Carolina | $24,310 | $31,160 | $40,500 | $48,890 | $55,780 | 6,460 | $638/mo |
| Maryland | $34,170 | $37,950 | $40,080 | $48,180 | $60,110 | 2,710 | $414/mo |
| Alabama | $28,970 | $33,950 | $39,850 | $50,920 | $60,890 | 2,000 | $645/mo |
| South Carolina | $22,260 | $27,800 | $37,380 | $46,260 | $51,130 | 2,600 | $564/mo |
| Oklahoma | $30,220 | $33,080 | $36,850 | $45,970 | $55,290 | 2,030 | $604/mo |
| Arkansas | $27,820 | $29,940 | $36,640 | $39,810 | $50,230 | 1,530 | $774/mo |
| South Dakota | $27,830 | $29,800 | $33,030 | $38,500 | $46,590 | 360 | $655/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 53-7081, 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.