Germantown vs Hagerstown: Actuary Salary (2026)
Compare actuary salaries between Germantown, MD and Hagerstown, MD. All figures are 2026 estimates projected from BLS 2025 data.
Side-by-Side Comparison
| Metric | Germantown, MD | Hagerstown, MD |
|---|---|---|
| Median Salary | $147,604▲ | $141,823 |
| Hourly Rate | $70.96▲ | $68.18 |
| Entry Level (P10) | $87,802 | $89,798▲ |
| 25th Percentile | $108,746▲ | $108,178 |
| 75th Percentile | $188,933▲ | $181,533 |
| Top Earner (P90) | $228,786▲ | $219,825 |
| Total Employed | 22▲ | 6 |
Verdict
Germantown, MD offers better overall compensation for actuaries, winning 4 out of 4 metrics compared to Hagerstown.
The salary gap between Germantown and Hagerstown is $5,781 (4.08%). Germantown's median is +10.02% compared to the US national median of $134,160.
Salary Range Comparison
The full salary range (10th to 90th percentile) in Germantown spans $140,984,Hagerstown spans $130,027. Germantown has a wider pay range, meaning more potential for high earners but also more variation.
Cost-of-Living Adjusted Comparison
After cost-of-living adjustment, Germantown ($135,045 effective) pays 4.08% more than Hagerstown ($129,756 effective).
Cost-of-living adjustment: salary × (100 / CoL index). Index of 100 = national average.
Which City Is Right for You?
Choose Germantown if…
- ✓Higher median salary ($147,604/year)
- ✓Better top-earner potential ($228,786)
- ✓Larger job market (22 employed)
- ✓Better purchasing power (CoL-adjusted: $135,045)
- ✓You prefer the Maryland area and lifestyle
Choose Hagerstown if…
- ✓You prefer the Maryland area and lifestyle
Historical Salary Growth Comparison
Based on BLS OEWS metropolitan area data, actuary salaries in Germantown grew 0.0% from 2024 to 2025, compared to 0.0% growth in Hagerstown over the same period.
Germantown, MD
$143,027 (2024) → $143,027 (2025)
Hagerstown, MD
$137,425 (2024) → $137,425 (2025)
View Full Salary Data
Germantown, MD
Hagerstown, MD
Frequently Asked Questions
Which city pays actuarys more: Germantown or Hagerstown?
What is the hourly rate difference between Germantown and Hagerstown?
Should I relocate from Germantown to Hagerstown as a actuary?
What do entry-level actuarys earn in Germantown vs Hagerstown?
Related Comparisons
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