Key West vs Miami: Actuary Salary (2026)
Compare actuary salaries between Key West, FL and Miami, FL. All figures are 2026 estimates projected from BLS 2025 data.
Side-by-Side Comparison
| Metric | Key West, FL | Miami, FL |
|---|---|---|
| Median Salary | $127,788 | $144,284▲ |
| Hourly Rate | $61.43 | $69.37▲ |
| Entry Level (P10) | $77,624 | $87,813▲ |
| 25th Percentile | $95,442 | $107,999▲ |
| 75th Percentile | $163,569 | $175,977▲ |
| Top Earner (P90) | $198,072 | $216,390▲ |
| Total Employed | 4 | 310▲ |
Verdict
Miami, FL offers better overall compensation for actuaries, winning 4 out of 4 metrics compared to Key West.
The salary gap between Key West and Miami is $16,496 (12.91%). Miami's median is +7.55% compared to the US national median of $134,160.
Salary Range Comparison
The full salary range (10th to 90th percentile) in Key West spans $120,448,Miami spans $128,577. Miami 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, Key West ($126,774 effective) pays 0.30% more than Miami ($126,393 effective).
Cost-of-living adjustment: salary × (100 / CoL index). Index of 100 = national average.
Which City Is Right for You?
Choose Key West if…
- ✓Better purchasing power (CoL-adjusted: $126,774)
- ✓You prefer the Florida area and lifestyle
Choose Miami if…
- ✓Higher median salary ($144,284/year)
- ✓Better top-earner potential ($216,390)
- ✓Larger job market (310 employed)
- ✓You prefer the Florida area and lifestyle
Historical Salary Growth Comparison
Based on BLS OEWS metropolitan area data, actuary salaries in Key West grew 5.7% from 2024 to 2025, compared to 32.2% growth in Miami over the same period.
Key West, FL
$117,199 (2024) → $123,826 (2025)
Miami, FL
$105,750 (2019) → $139,810 (2025)
View Full Salary Data
Key West, FL
Frequently Asked Questions
Which city pays actuarys more: Key West or Miami?
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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