Entry-Level Actuary Salary in Loveland, CO: $82,990 (2026)
Quick Answer:New actuaries entering the Loveland, CO job market in 2026 can expect a starting salary around $82,990 (BLS 10th-percentile benchmark for SOC 15-2011, projected from 2025 OEWS data). Stripping out Loveland's local price level (BEA RPP 105.0 — 5% above national), a first-year paycheck buys what $79,038 would in average-cost America. Most reach the city median ($136,118) within a few years of clinical practice.
Based on BLS state-level estimates · View source
In Loveland, Colorado, the entry-level actuary salary for 2026 is projected at $82,990, significantly below the city’s median of $136,118. For new graduates entering this field, this starting point represents an important stepping stone towards a more lucrative career, with growth potential that can see salaries rise through the P25 level of $101,800 within the first few years. With a favorable market projected for early-career actuaries, Loveland offers a good opportunity for new graduates to embark on their professional journey. As they gain experience and additional qualifications, such as passing actuarial exams, these individuals can expect to see their earnings align more closely with the city median, bolstered by the anticipated 3.20% growth rate in this profession.
About the Loveland Market
Salary estimated from Colorado average ($125,000) adjusted for local cost of living.
Career Earnings Timeline in Loveland
New Graduate
Early Career
Mid Career
Experienced
Salary progression estimated from BLS percentile data. Actual progression varies by employer, certifications, and specialization.
2026 Salary Percentile Distribution in Loveland
Entry-level actuarys in Loveland, CO typically start between $82,990 and $101,800 per year (2026 est.). The full salary range spans $127,992 from the 10th to 90th percentile, with the local median at $136,118 — 1.46% above the national median.
Return on Investment
The average actuarial science program cost in Colorado of $60,000 represents just 72.30% of the starting actuary pay ($82,990/year) in Loveland. Most graduates begin earning back their investment from day one, though actual ROI varies based on living expenses, loan interest, and the 2-year opportunity cost of schooling.
Program cost estimates cover bachelor's degree tuition at public and private universities, plus estimated actuarial exam fees and study materials. Employers often cover exam costs once employed.
ASA, FSA Salary Negotiation Tips for New Graduates in Loveland
- 1Research the Loveland market: entry-level actuary pay ranges from $82,990 to $101,800, so aim for at least the 25th percentile if you have strong credentials.
- 2Highlight any additional certifications or specialty training within the actuarial science field — employers in CO often pay a premium for expanded scope of work.
- 3Evaluate the full compensation package — in Loveland, benefits like health insurance, continuing-education allowances, and schedule flexibility can add 20-30% to your effective compensation.
- 4Consider starting with a larger hospital system or multi-site employer in Loveland for competitive entry-level pay and structured mentorship, then move to a smaller employer once you have 2-3 years of experience.
- 5Loveland's moderate cost of living means your starting salary goes further here compared to many larger metro areas.
Actuary Compensation Range
The actuary wage spread in Loveland is $127,992 ( 154.23%) between entry-level and top earners. Starting at $82,990, experienced hygienists can earn up to $210,982.
Represents the current salary spread across experience levels, not projected career growth rate.
2019 BLS Actual
$66,385
2025 BLS Actual
$80,417
2026 Current Est.
$82,990
2019–2027 Growth
+29.0%
Salary Trajectory for Actuaries in Loveland (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $66,385 | Actual |
| 2020 | $67,582 | Actual |
| 2021 | $64,747 | Actual |
| 2022 | $73,447 | Actual |
| 2023 | $77,152 | Actual |
| 2024 | $76,544 | Actual |
| 2025 | $80,417 | Actual |
| 2026(current) | $82,990 | Estimated |
| 2027 | $85,646 | Projected |
Entry-level actuary compensation (10th percentile) in Loveland, CO grew 21.1% over 7 years based on actual BLS metropolitan area surveys, rising from $66,385 in 2019 to $80,417 in 2025. By 2027, starting salaries are projected to reach $85,646. New graduates entering the Loveland job market can expect continued year-over-year gains.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Loveland metropolitan area, sourced from annual Occupational Employment and Wage Statistics surveys. 2026–2026 figures are current estimates, and 2027 values are projections, calculated using a 3.20% CAGR derived from 7-year BLS historical data. Actual salaries may vary based on employer, experience, certifications, and local market conditions.
Starting Your actuarial science Career in Loveland
Exam success and the right educational background greatly influence initial salaries for actuaries in Loveland. Major employers such as Prudential, MetLife, and consulting firms like Milliman and Mercer actively recruit new graduates, providing structured training and exam support. For those starting out, holding a Bachelor's degree in a relevant field and pursuing actuarial exams through the SOA or CAS can position candidates for higher pay; each passed exam generally adds between $3,000 and $8,000 to their base salary. In this context, many firms offer competitive pay for candidates on the path to attaining ASA credentials, while consulting roles catering to fellows command even more. New grads should keep in mind that skilled data analytics can increasingly enhance their value, preparing them for a promising career trajectory within this growing market in Loveland, CO.
More salary data for Loveland, CO:
Frequently Asked Questions
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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
Entry-level salary figures on this page are 2026 projections based on the Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) survey, May 2026 release. The 10th percentile (entry-level) is used as the starting salary benchmark for new actuarial science graduates. A 3.20% compound annual growth rate (CAGR), derived from 6-year national BLS wage trends, was applied to project current 2026 entry-level compensation in Loveland. Program costs are averages and actual tuition varies by institution. ROI calculations are simplified estimates.
Data Sources & Methodology
Salary data for Loveland is estimated from official BLS state-level occupational wage data (2025), adjusted for regional cost-of-living differences using BEA RPP (Regional Price Parities).
2026 figures are projected from 2025 BLS data using a compound annual growth rate (CAGR) of 3.20%, derived from historical BLS wage trends for actuarys (SOC 15-2011).
Compiled and verified by Maria Chen, FSA, MAAA, a licensed actuary with 10+ years of clinical experience. · View source data at BLS.gov