Entry-Level Actuary Salary in Laredo, TX: $76,948 (2026)
Quick Answer:New actuaries entering the Laredo, TX job market in 2026 can expect a starting salary around $76,948 (BLS 10th-percentile benchmark for SOC 15-2011, projected from 2025 OEWS data). Stripping out Laredo's local price level (BEA RPP 96.0 — 4% below national), a first-year paycheck buys what $80,154 would in average-cost America. Most reach the city median ($130,572) within a few years of clinical practice.
Based on BLS state-level estimates · View source
For those stepping into the actuarial field in Laredo, Texas, the entry-level actuary salary is projected to be around $76,948 in 2026. While this starting figure is significantly below the city's median annual salary of $130,572, it reflects a common trajectory for new graduates in the industry. Over the first three to five years, actuaries can expect their salaries to rise as they gain experience and pass the necessary examinations. This growth potential, going from the entry-level mark to the 25th percentile salary of $96,559, indicates that Laredo offers a reasonably supportive market for new actuarial professionals, especially considering the projected annual growth rate of 3.20%.
About the Laredo Market
Salary estimated from Texas average ($128,000) adjusted for local cost of living.
Career Earnings Timeline in Laredo
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 Laredo
Entry-level actuarys in Laredo, TX typically start between $76,948 and $96,559 per year (2026 est.). The full salary range spans $125,439 from the 10th to 90th percentile, with the local median at $130,572 — 2.67% below the national median.
Return on Investment
The average actuarial science program cost in Texas of $52,000 represents just 67.58% of the starting actuary pay ($76,948/year) in Laredo. 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 Laredo
- 1Research the Laredo market: entry-level actuary pay ranges from $76,948 to $96,559, 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 Laredo, 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 Laredo for competitive entry-level pay and structured mentorship, then move to a smaller employer once you have 2-3 years of experience.
- 5Laredo'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 Laredo is $125,439 ( 163.02%) between entry-level and top earners. Starting at $76,948, experienced hygienists can earn up to $202,387.
Represents the current salary spread across experience levels, not projected career growth rate.
2019 BLS Actual
$61,551
2025 BLS Actual
$74,562
2026 Current Est.
$76,948
2019–2027 Growth
+29.0%
Salary Trajectory for Actuaries in Laredo (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $61,551 | Actual |
| 2020 | $62,662 | Actual |
| 2021 | $60,033 | Actual |
| 2022 | $68,099 | Actual |
| 2023 | $71,535 | Actual |
| 2024 | $72,686 | Actual |
| 2025 | $74,562 | Actual |
| 2026(current) | $76,948 | Estimated |
| 2027 | $79,410 | Projected |
Entry-level actuary compensation (10th percentile) in Laredo, TX grew 21.1% over 7 years based on actual BLS metropolitan area surveys, rising from $61,551 in 2019 to $74,562 in 2025. By 2027, starting salaries are projected to reach $79,410. New graduates entering the Laredo job market can expect continued year-over-year gains.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Laredo 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 Laredo
In Laredo, key employers such as large life insurers like Prudential and Northwestern Mutual actively recruit entry-level actuaries through college campus pipelines, providing structured environments that promote exam completion alongside mentorship. Health insurance companies and actuarial consulting firms—such as Milliman and Mercer—also represent significant job sources for recent graduates. Attaining a bachelor's degree in math, statistics, or actuarial science, combined with the successful passage of initial exams, drastically enhances starting pay. Moreover, every passed exam can contribute an additional $3,000 to $8,000 to base salary. Consequently, establishing a career strategy that prioritizes exam progression, while also developing skills in predictive analytics and data science, is critical for increasing earning potential in Laredo's actuarial landscape.
More salary data for Laredo, 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 Laredo. Program costs are averages and actual tuition varies by institution. ROI calculations are simplified estimates.
Data Sources & Methodology
Salary data for Laredo 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