What Claims Adjusters, Examiners, and Investigators earn in Pasco County, FL
According to the latest federal wage data for the Tampa-St. Petersburg-Clearwater, FL metropolitan area, the median pay for Claims Adjusters, Examiners, and Investigators in Pasco County, FL is $77,990 a year, or $37.50 an hour. After federal income tax, Social Security, Medicare (and no state income tax), the paycheck shrinks to $63,417 a year, and rent, food and energy take another bite. The sections below walk through each step with the actual math for Pasco County, FL.
The mean wage is $77,970, which is 0.0% below the median, so pay is spread fairly evenly. The survey counts about 7,240 people working in this occupation across the Tampa-St. Petersburg-Clearwater, FL metropolitan area, so the estimate rests on a substantial pool of workers. Pasco County, FL has roughly 611,444 residents, according to the population figures used by the rent data.
The salary range, from entry level to top earners
Pay for Claims Adjusters, Examiners, and Investigators in the Tampa-St. Petersburg-Clearwater, FL metropolitan area is not one number. The lowest-paid tenth of workers earn up to $48,100 a year ($23.13 an hour), while the highest-paid tenth earn $104,430 or more ($50.21 an hour). That is a gap of $56,330 between the bottom and the top of the scale. The middle half of workers falls between $61,610 at the 25th percentile and $94,180 at the 75th percentile. A top-tier earner makes 2.2 times what someone at the bottom makes, so experience, certification and employer all matter.
What the hourly rate looks like
Employers quote this occupation by the hour or by the year, so here are both: $37.50 an hour or $77,990 a year at the median for Pasco County, FL. Before any deductions, that is $6,499 a month, $3,000 every two weeks and $1,500 each week. After taxes the same job pays $30.49 per hour of take-home income, which is the number that actually has to cover rent and groceries.
About this occupation: Claims Adjusters, Examiners, and Investigators
The U.S. Department of Labor's O*NET database describes the work of Claims Adjusters, Examiners, and Investigators this way: "Review settled claims to determine that payments and settlements are made in accordance with company practices and procedures. Confer with legal counsel on claims requiring litigation. May also settle insurance claims."
Core tasks recorded by O*NET include: "Examine claims forms and other records to determine insurance coverage"; "Analyze information gathered by investigation and report findings and recommendations"; "Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability"; "Investigate and assess damage to property and create or review property damage estimates".
Job outlook for Claims Adjusters, Examiners, and Investigators
The Bureau of Labor Statistics projects national employment in this occupation to shrink from 376,100 jobs in 2025 to 355,500 in 2035, a change of -5.5%, slower than the 3.5% projected for all occupations. The projection counts 20,900 openings a year on average, including positions created by growth and positions left by workers who retire or move to another occupation; that equals 5.6% of current employment each year.
Typical entry-level education: high school diploma or equivalent. Typical on-the-job training to reach competency: long-term on-the-job training. BLS lists a national median annual wage of $78,000 for this occupation; the Pasco County, FL median of $77,990 is 0.0% below it.
How pay in Pasco County, FL compares
Compared with the Florida average
A worker in this occupation in Pasco County, FL earns $873 more than the Florida average of $77,117, a premium of 1.1%. Over a year that premium is worth $873 before tax and roughly $710 after tax. Within Florida, Pasco County, FL already has the highest median we track for this job.
Compared with the national average
Nationally, Claims Adjusters, Examiners, and Investigators earn an employment-weighted average of $78,621 across the contiguous United States, so $77,990 in Pasco County, FL is essentially average. Keep in mind that a higher salary only helps if living costs do not rise faster, which is why the cost sections below matter as much as the headline number.
Where this job ranks in Pasco County, FL
Among the 544 occupations with published wages in Pasco County, FL, Claims Adjusters, Examiners, and Investigators ranks number 123 by median pay, ahead of about 78% of them. The best-paying occupation we track here is Financial Managers at $157,480 a year, which is $79,490 more than the median for Claims Adjusters, Examiners, and Investigators.
From gross pay to take-home pay
Three separate tax bills sit between the gross salary and the bank account: federal income tax, FICA, and state income tax. For Claims Adjusters, Examiners, and Investigators earning the Pasco County, FL median of $77,990, they add up to $14,573. The result is $63,417 of take-home pay a year ($5,285 a month), based on a single filer using the standard deduction.
Put another way, of every $100 earned, about $19 goes to taxes and $81 reaches the paycheck. The overall effective tax rate is 18.7%.
Federal income tax
After the $15,750 standard deduction, taxable income is $62,240. Federal brackets are marginal, so only the slice of income above each threshold is taxed at the higher rate; the last dollars of this salary fall in the 22% bracket. The resulting federal income tax is $8,607, an effective 11.0% of gross pay, well below the 22% marginal rate because the lower brackets are cheaper.
Social Security and Medicare (FICA)
Payroll taxes are a flat percentage of wages. Social Security takes 6.2% up to a wage base of $176,100, which costs $4,835 on this salary. Medicare takes 1.45%, or $1,131. FICA totals $5,966, which is 7.7% of gross pay.
State income tax in Florida
Florida does not tax wage income, so the state income tax line for Claims Adjusters, Examiners, and Investigators in Pasco County, FL is $0. That alone leaves more in the paycheck than the same salary would in a state with an income tax. For scale, a hypothetical flat 5% state tax on this salary would cost about $3,900 a year, so the absence of a state tax is worth roughly $325 a month.
A cross-check with IRS data for Pasco County, FL
IRS Statistics of Income data for Pasco County, FL show an average adjusted gross income of $79,675 per return and an average effective federal income tax rate of 12.3% across all filers. Filers in the $75,000 to under $100,000 bracket, where this salary falls, paid an average of 8.6%, compared with the 11.0% estimated here for a single filer taking the standard deduction. Gaps between the two reflect filing status, dependents, credits and other income, none of which a single-person wage estimate includes.
Cost of living in Pasco County, FL
Take-home pay only means something next to what life costs. We price four basics for one adult in Pasco County, FL: a one-bedroom apartment, food, home energy and gasoline. All of them are converted to annual figures first, then compared with the $63,417 of take-home pay.
Rent
Housing is the largest line in most budgets. For Pasco County, FL, HUD sets the Fair Market Rent for a one-bedroom unit at $1,648 a month ($19,776 a year), and at $1,917 for two bedrooms. For Claims Adjusters, Examiners, and Investigators, a one-bedroom absorbs 31.2% of take-home pay and 25.4% of gross pay.
Food
The USDA Thrifty Food Plan (August 2026) puts the cost of a nutritious home-cooked diet for an adult at about $3,436 a year, which is $286 a month or $66.07 a week. That equals 4.4% of gross pay for Claims Adjusters, Examiners, and Investigators in Pasco County, FL. It is a thrifty budget with no restaurant meals, so treat it as a floor.
Energy and gasoline
Using Florida residential prices from the Energy Information Administration and national household averages for consumption, electricity costs about $1,494 a year and other home energy such as natural gas about $1,005, for $2,498 in total. Gasoline in Florida averages $3.08 per gallon; at about 463 gallons a year (11,106 miles at 24 miles per gallon) fuel adds $1,427.
What is left over
Rent, food, energy and gasoline cost $27,138 a year in Pasco County, FL. Subtract that from $63,417 of take-home pay and $36,279 remains, which is $3,023 a month of breathing room. That margin equals 46.5% of gross pay, a comfortable cushion by common budgeting rules.
Local housing and commute data for Pasco County, FL
The budget above covers rent, food, energy and gasoline. Three more local facts shape what a paycheck buys in Pasco County, FL: property taxes, housing prices and the daily commute. The figures below are exact U.S. Census Bureau American Community Survey 2020-2024 5-year estimates for Pasco County, FL, set beside the Florida and national medians.
Property taxes in Pasco County, FL
Homeowners in Pasco County, FL pay a median of $2,206 a year in real estate taxes, 19% below the Florida median of $2,730 and 29% below the U.S. median of $3,119. Against a median home value of $300,900, the median tax bill is 0.73% of that value (the ratio of the two county medians). For a worker paid the local Claims Adjusters, Examiners, and Investigators median of $77,990, a tax bill of that size would equal 2.8% of gross pay, which matters for anyone planning to buy rather than rent.
Rents, home prices and household income in Pasco County, FL
Renters in Pasco County, FL pay a median gross rent of $1,505 a month in the Census survey, 10% below the Florida median of $1,669. HUD's Fair Market Rent for a one-bedroom apartment, which this site uses in the budget, is $1,648 a month; the two measures differ because the Census figure covers units of every size that renters already occupy, while the HUD figure is a one-bedroom benchmark. The median value of an owner-occupied home is $300,900, 16% below the Florida median of $359,000. Median household income is $70,492, 5% below the Florida median of $74,568, so a year of one-bedroom Fair Market Rent equals 28.1% of that income.
Commuting in Pasco County, FL
Workers in Pasco County, FL who travel to a workplace spend an average of 31.1 minutes each way, 11% above the Florida average of 28.0. For someone who commutes five days a week, that is 5.2 hours of round-trip travel every week, a cost the budget does not price. 20.3% of workers in Pasco County, FL work from home, compared with 15.1% nationally, which removes the commute for them.
Can Claims Adjusters, Examiners, and Investigators afford to live in Pasco County, FL?
The 30% rent guideline
A common rule of thumb says rent should stay under 30% of gross income. For a gross salary of $77,990 that ceiling is $1,950 a month. The one-bedroom Fair Market Rent of $1,648 is $302 under it, so rent fits the guideline. Put as a wage, covering a one-bedroom at the 30% guideline takes $31.69 an hour; the median for Claims Adjusters, Examiners, and Investigators is $37.50, which is 18% above that mark. Another way to see it: at $30.49 of take-home pay an hour, a one-bedroom takes about 12.5 working hours every week.
Splitting a two-bedroom
Sharing a two-bedroom at $1,917 a month means $959 each. Compared with renting a one-bedroom alone, that saves $8,274 a year. With a roommate, the yearly margin after the basics becomes $44,553.
How fast you can save
At $3,023 a month of margin, building a $10,000 emergency fund would take about 4 months. Setting aside half of the margin stretches the same goal to about 8 months. These figures ignore interest, raises and any spending beyond the four basics.
Frequently asked questions about Claims Adjusters, Examiners, and Investigators pay in Pasco County, FL
How much do Claims Adjusters, Examiners, and Investigators make per hour in Pasco County, FL?
The median is $37.50 per hour, based on $77,990 a year over 2,080 hours. Hourly pay runs from about $23.13 at the 10th percentile to $50.21 at the 90th percentile.
How much do Claims Adjusters, Examiners, and Investigators take home after taxes in Pasco County, FL?
After federal income tax, FICA, the median salary of $77,990 becomes $63,417 a year. That is $5,285 a month, $2,439 every two weeks or $1,220 a week.
How much tax do Claims Adjusters, Examiners, and Investigators pay in Pasco County, FL?
Total taxes are $14,573 a year, an effective rate of 18.7%: $8,607 federal income tax, $5,966 FICA and no Florida income tax.
Do Claims Adjusters, Examiners, and Investigators earn more in Pasco County, FL than elsewhere in Florida?
Yes. The local median of $77,990 is +1.1% versus the Florida average of $77,117, a difference of $873 a year.
Can Claims Adjusters, Examiners, and Investigators afford a one-bedroom apartment in Pasco County, FL?
A one-bedroom costs $1,648 a month against take-home pay of $5,285, which is 31.2% of take-home pay. That meets the 30%-of-gross guideline, which allows up to $1,950 a month.
What is the monthly budget margin for Claims Adjusters, Examiners, and Investigators in Pasco County, FL?
About $3,023 a month ($36,279 a year) remains after a one-bedroom apartment, food, home energy and gasoline, which together cost $27,138 a year.
What hourly wage covers a one-bedroom in Pasco County, FL at the 30% guideline?
$31.69 an hour for a full-time schedule, calculated as the $19,776 annual rent divided by 0.30 and by 2,080 hours. The median for Claims Adjusters, Examiners, and Investigators is $37.50.
How we calculated these numbers
Wages are May 2025 medians from the Bureau of Labor Statistics Occupational Employment and Wage Statistics survey for the Tampa-St. Petersburg-Clearwater, FL metropolitan area; hourly-only values are annualized at 2,080 hours. Rents are HUD Fair Market Rents, food costs come from the USDA Thrifty Food Plan, and energy prices come from the Energy Information Administration. County-level tax statistics come from the IRS Statistics of Income.
Taxes use tax-year 2025 federal brackets, FICA rates and the Florida rules for a single filer with wage income only. Figures are estimates for planning and comparison, not tax or financial advice, and they exclude local income taxes, benefits, retirement contributions and individual circumstances.