Underwriter Salary in Frisco, TX (2026)
Median Underwriter salary in Frisco is approximately $89,300/year — 5.0% above the US national average.
Salary breakdown — Frisco
After-tax estimate
| City | Cost mult. | Estimated annual | vs Frisco |
|---|---|---|---|
| Chicago, IL | 1.05× | $89,300 | +$0 |
| Austin, TX | 1.05× | $89,300 | +$0 |
| Baltimore, MD | 1.05× | $89,300 | +$0 |
| Stockton, CA | 1.05× | $89,300 | +$0 |
| Aurora, CO | 1.05× | $89,300 | +$0 |
Underwriter salaries in Frisco, TX
The estimated median Underwriter salary in Frisco, Texas is $89,300/year, working out to approximately $43/hour at full-time, $3,435 per biweekly paycheck, or $7,442/month before taxes. Frisco's cost-of-living multiplier of 1.05× national reflects local prices, housing costs, and employer concentration in this metro area.
Compared to the Texas state average for this role ($82,500), Frisco pays about $6,800 more. This typically reflects how the metro area's cost of living and employer density differ from the state as a whole.
Take-home pay in Frisco
Of the gross $89,300, you take home roughly $69,967 after:
- Federal income tax (~14% effective at this income)
- FICA — Social Security 6.2% + Medicare 1.45% = 7.65%
- Texas state income tax (none)
- Frisco has no local income tax
That works out to about $5,831/month after-tax — useful for budgeting rent (typically 25–35% of net income), savings (15–20% target), and other expenses. For an exact calculation including 401(k), HSA, and your filing status, use our Frisco Paycheck Calculator.
What affects your actual pay
- Experience: entry-level often 25–35% below median; senior roles 40–60%+ above.
- Specific employer: top-tier employers in Frisco pay 10–25% above market for the same role.
- Industry: a Software Engineer at a tech company in Frisco typically out-earns one at a non-tech employer.
- Negotiation: simply negotiating an offer can shift comp by 5–15%.
- Education and credentials: degrees and licenses (especially for healthcare, legal, engineering) can move comp by 15–30%.
- Remote vs in-office: many Frisco employers now base pay on cost of living, with remote workers in cheaper metros paid less.
Related calculators
Underwriter Salary in Texas — state-level average. Salary Calculator — convert hourly ↔ annual. Frisco Paycheck Calculator — exact take-home. Income Tax Calculator — federal tax with brackets. Investment Calculator — long-term portfolio growth.