San Francisco vs Oakland: Actuary Salary (2026)
Compare actuary salaries between San Francisco, CA and Oakland, CA. All figures are 2026 estimates projected from BLS 2025 data.
Side-by-Side Comparison
| Metric | San Francisco, CA | Oakland, CA |
|---|---|---|
| Median Salary | $180,941 | $185,059▲ |
| Hourly Rate | $86.99 | $88.97▲ |
| Entry Level (P10) | $96,874 | $107,334▲ |
| 25th Percentile | $126,337 | $134,356▲ |
| 75th Percentile | $221,116 | $236,876▲ |
| Top Earner (P90) | $239,651 | $286,842▲ |
| Total Employed | 220▲ | 78 |
Verdict
Oakland, CA offers better overall compensation for actuaries, winning 3 out of 4 metrics compared to San Francisco.
The salary gap between San Francisco and Oakland is $4,118 (2.28%). Oakland's median is +37.94% compared to the US national median of $134,160.
Salary Range Comparison
The full salary range (10th to 90th percentile) in San Francisco spans $142,777,Oakland spans $179,508. Oakland 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, Oakland ($163,624 effective) pays 4.55% more than San Francisco ($156,506 effective).
Cost-of-living adjustment: salary × (100 / CoL index). Index of 100 = national average.
Which City Is Right for You?
Choose San Francisco if…
- ✓Larger job market (220 employed)
- ✓You prefer the California area and lifestyle
Choose Oakland if…
- ✓Higher median salary ($185,059/year)
- ✓Better top-earner potential ($286,842)
- ✓Better purchasing power (CoL-adjusted: $163,624)
- ✓You prefer the California area and lifestyle
Historical Salary Growth Comparison
Based on BLS OEWS metropolitan area data, actuary salaries in San Francisco grew 61.6% from 2019 to 2025, compared to -0.2% growth in Oakland over the same period.
San Francisco, CA
$108,520 (2019) → $175,330 (2025)
Oakland, CA
$179,758 (2024) → $179,321 (2025)
View Full Salary Data
San Francisco, CA
Oakland, CA
Frequently Asked Questions
Which city pays actuarys more: San Francisco or Oakland?
What is the hourly rate difference between San Francisco and Oakland?
Should I relocate from San Francisco to Oakland as a actuary?
What do entry-level actuarys earn in San Francisco vs Oakland?
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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