Entry-Level Actuary Salary in Flower Mound, TX: $81,541 (2026)
Quick Answer:New actuaries entering the Flower Mound, TX job market in 2026 can expect a starting salary around $81,541 (BLS 10th-percentile benchmark for SOC 15-2011, projected from 2025 OEWS data). Stripping out Flower Mound's local price level (BEA RPP 96.0 — 4% below national), a first-year paycheck buys what $84,939 would in average-cost America. Most reach the city median ($127,022) within a few years of clinical practice.
Based on BLS state-level estimates · View source
In 2026, new graduates entering the actuary profession in Flower Mound, Texas, can expect an entry-level actuary salary starting at around $81,541. This figure represents a significant starting point that provides a pathway to greater earnings as one gains experience and additional certifications. While this starting salary is lower than the city's median salary of $127,022, it reflects a gradual progression in earnings that can be anticipated over the first few years—moving towards the 25th percentile figure of $98,070 and potentially reaching the median salary as one builds their expertise. Given the average cost of living index in Flower Mound, which sits below the national average, the market currently presents a feasible option for new grads looking to establish their careers.
About the Flower Mound Market
Salary estimated from Texas average ($128,000) adjusted for local cost of living.
Career Earnings Timeline in Flower Mound
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 Flower Mound
Entry-level actuarys in Flower Mound, TX typically start between $81,541 and $98,070 per year (2026 est.). The full salary range spans $115,343 from the 10th to 90th percentile, with the local median at $127,022 — 5.32% below the national median.
Return on Investment
The average actuarial science program cost in Texas of $52,000 represents just 63.77% of the starting actuary pay ($81,541/year) in Flower Mound. 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 Flower Mound
- 1Research the Flower Mound market: entry-level actuary pay ranges from $81,541 to $98,070, 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 TX often pay a premium for expanded scope of work.
- 3Evaluate the full compensation package — in Flower Mound, 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 Flower Mound for competitive entry-level pay and structured mentorship, then move to a smaller employer once you have 2-3 years of experience.
- 5Flower Mound'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 Flower Mound is $115,343 ( 141.45%) between entry-level and top earners. Starting at $81,541, experienced hygienists can earn up to $196,884.
Represents the current salary spread across experience levels, not projected career growth rate.
2019 BLS Actual
$65,226
2025 BLS Actual
$79,013
2026 Current Est.
$81,541
2019–2027 Growth
+29.0%
Salary Trajectory for Actuaries in Flower Mound (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $65,226 | Actual |
| 2020 | $66,402 | Actual |
| 2021 | $63,617 | Actual |
| 2022 | $72,165 | Actual |
| 2023 | $75,805 | Actual |
| 2024 | $77,052 | Actual |
| 2025 | $79,013 | Actual |
| 2026(current) | $81,541 | Estimated |
| 2027 | $84,151 | Projected |
Entry-level actuary compensation (10th percentile) in Flower Mound, TX grew 21.1% over 7 years based on actual BLS metropolitan area surveys, rising from $65,226 in 2019 to $79,013 in 2025. By 2027, starting salaries are projected to reach $84,151. New graduates entering the Flower Mound job market can expect continued year-over-year gains.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Flower Mound 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 Flower Mound
Those interested in beginning their careers as entry-level actuaries in Flower Mound should target employers such as Prudential, MetLife, and consulting firms like Milliman and Mercer, which often seek new talent directly from university programs. These organizations provide robust support for passing actuarial exams by offering structured study time, which is crucial in a field where exam progression significantly impacts salary. Graduates with degrees in mathematics, statistics, or actuarial science, especially those who have gained VEE credits, will find themselves in a favorable position. The industry's salary trajectory becomes promising once additional certifications like the ASA or FSA are obtained. With every actuarial exam passed, new professionals can expect salary increases ranging from $3,000 to $8,000, emphasizing the importance of a focused, ongoing study plan in the early career years for maximizing the starting actuary salary in Flower Mound.
More salary data for Flower Mound, TX:
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 Flower Mound. Program costs are averages and actual tuition varies by institution. ROI calculations are simplified estimates.
Data Sources & Methodology
Salary data for Flower Mound 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