Hilo vs Waipahu: Actuary Salary (2026)
Compare actuary salaries between Hilo, HI and Waipahu, HI. All figures are 2026 estimates projected from BLS 2025 data.
Side-by-Side Comparison
| Metric | Hilo, HI | Waipahu, HI |
|---|---|---|
| Median Salary | $111,444 | $115,080▲ |
| Hourly Rate | $53.58 | $55.33▲ |
| Entry Level (P10) | $70,460▲ | $69,328 |
| 25th Percentile | $84,929 | $85,166▲ |
| 75th Percentile | $142,648 | $145,686▲ |
| Top Earner (P90) | $172,737 | $178,375▲ |
| Total Employed | 7 | 9▲ |
Verdict
Waipahu, HI offers better overall compensation for actuaries, winning 4 out of 4 metrics compared to Hilo.
The salary gap between Hilo and Waipahu is $3,636 (3.26%). Waipahu's median is -14.22% compared to the US national median of $134,160.
Salary Range Comparison
The full salary range (10th to 90th percentile) in Hilo spans $102,277,Waipahu spans $109,047. Waipahu 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, Waipahu ($96,463 effective) pays 3.26% more than Hilo ($93,415 effective).
Cost-of-living adjustment: salary × (100 / CoL index). Index of 100 = national average.
Which City Is Right for You?
Choose Hilo if…
- ✓You prefer the Hawaii area and lifestyle
Choose Waipahu if…
- ✓Higher median salary ($115,080/year)
- ✓Better top-earner potential ($178,375)
- ✓Larger job market (9 employed)
- ✓Better purchasing power (CoL-adjusted: $96,463)
- ✓You prefer the Hawaii area and lifestyle
Historical Salary Growth Comparison
Based on BLS OEWS metropolitan area data, actuary salaries in Hilo grew -19.2% from 2024 to 2025, compared to -19.2% growth in Waipahu over the same period.
Hilo, HI
$133,585 (2024) → $107,988 (2025)
Waipahu, HI
$137,944 (2024) → $111,512 (2025)
View Full Salary Data
Waipahu, HI
Frequently Asked Questions
Which city pays actuarys more: Hilo or Waipahu?
What is the hourly rate difference between Hilo and Waipahu?
Should I relocate from Hilo to Waipahu as a actuary?
What do entry-level actuarys earn in Hilo vs Waipahu?
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