Baltimore vs Cumberland: Actuary Salary (2026)
Compare actuary salaries between Baltimore, MD and Cumberland, MD. All figures are 2026 estimates projected from BLS 2025 data.
Side-by-Side Comparison
| Metric | Baltimore, MD | Cumberland, MD |
|---|---|---|
| Median Salary | $131,012 | $135,727▲ |
| Hourly Rate | $62.99 | $65.25▲ |
| Entry Level (P10) | $79,123 | $90,030▲ |
| 25th Percentile | $100,383 | $106,148▲ |
| 75th Percentile | $164,263 | $173,213▲ |
| Top Earner (P90) | $191,147 | $210,274▲ |
| Total Employed | 340▲ | 5 |
Verdict
Cumberland, MD offers better overall compensation for actuaries, winning 3 out of 4 metrics compared to Baltimore.
The salary gap between Baltimore and Cumberland is $4,715 (3.60%). Cumberland's median is +1.17% compared to the US national median of $134,160.
Salary Range Comparison
The full salary range (10th to 90th percentile) in Baltimore spans $112,024,Cumberland spans $120,244. Cumberland has a wider pay range, suggesting more variation in pay between entry-level and experienced actuarys.
Cost-of-Living Adjusted Comparison
After cost-of-living adjustment, Baltimore ($125,386 effective) pays 0.97% more than Cumberland ($124,178 effective).
Cost-of-living adjustment: salary × (100 / CoL index). Index of 100 = national average.
Which City Is Right for You?
Choose Baltimore if…
- ✓Larger job market (340 employed)
- ✓Better purchasing power (CoL-adjusted: $125,386)
- ✓You prefer the Maryland area and lifestyle
Choose Cumberland if…
- ✓Higher median salary ($135,727/year)
- ✓Better top-earner potential ($210,274)
- ✓You prefer the Maryland area and lifestyle
Historical Salary Growth Comparison
Based on BLS OEWS metropolitan area data, actuary salaries in Baltimore grew 15.5% from 2019 to 2025, compared to 0.0% growth in Cumberland over the same period.
Baltimore, MD
$109,910 (2019) → $126,950 (2025)
Cumberland, MD
$131,518 (2024) → $131,518 (2025)
View Full Salary Data
Baltimore, MD
Cumberland, MD
Frequently Asked Questions
Which city pays actuarys more: Baltimore or Cumberland?
What is the hourly rate difference between Baltimore and Cumberland?
Should I relocate from Baltimore to Cumberland as a actuary?
What do entry-level actuarys earn in Baltimore vs Cumberland?
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Written by Maria Chen, FSA, MAAA
Career Analyst
Maria has 10 years of experience in life insurance. She specializes in risk assessment and pricing strategies.
Methodology & Data Source
All salary figures are 2026 projections based on BLS OEWS May 2025 data. A 3.20% CAGR (derived from 6-year national BLS trends) was applied to estimate current compensation. Cost-of-living adjustments use BEA Regional Price Parity data. Actual salaries vary by employer, certifications, and experience.
Data Sources & Methodology
Source: BLS, OEWS , released .
Compiled and verified by Maria Chen, FSA, MAAA, a licensed actuary with 10+ years of clinical experience. · View source data at BLS.gov