Entry-Level Actuary Salary in Midland, TX: $78,774 (2026)
Quick Answer:New actuaries entering the Midland, TX job market in 2026 can expect a starting salary around $78,774 (BLS 10th-percentile benchmark for SOC 15-2011, projected from 2025 OEWS data). Stripping out Midland's local price level (BEA RPP 96.0 — 4% below national), a first-year paycheck buys what $82,056 would in average-cost America. Most reach the city median ($128,547) within a few years of clinical practice.
Based on BLS state-level estimates · View source
New graduates entering the actuarial field in Midland, Texas, can expect a starting actuary salary of approximately $78,774 in 2026, which reflects the lower end of the pay spectrum. This figure is notably below Midland's median annual salary of $128,547, illustrating a clear gap that new actuaries will need to bridge during their early career. Over the first few years, individuals can anticipate progressive salary increases as they gain experience and credentials, with entry-level pay likely rising to around $97,048 as they reach the 25th percentile. Midland stands out as a relatively favorable market for new grads, particularly with its projected annual growth rate of 3.20%, offering a steady upward trajectory for those entering this specialized profession.
About the Midland Market
Salary estimated from Texas average ($128,000) adjusted for local cost of living.
Career Earnings Timeline in Midland
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 Midland
Entry-level actuarys in Midland, TX typically start between $78,774 and $97,048 per year (2026 est.). The full salary range spans $120,474 from the 10th to 90th percentile, with the local median at $128,547 — 4.18% below the national median.
Return on Investment
The average actuarial science program cost in Texas of $52,000 represents just 66.01% of the starting actuary pay ($78,774/year) in Midland. 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 Midland
- 1Research the Midland market: entry-level actuary pay ranges from $78,774 to $97,048, 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 Midland, 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 Midland for competitive entry-level pay and structured mentorship, then move to a smaller employer once you have 2-3 years of experience.
- 5Midland'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 Midland is $120,474 ( 152.94%) between entry-level and top earners. Starting at $78,774, experienced hygienists can earn up to $199,248.
Represents the current salary spread across experience levels, not projected career growth rate.
2019 BLS Actual
$63,012
2025 BLS Actual
$76,331
2026 Current Est.
$78,774
2019–2027 Growth
+29.0%
Salary Trajectory for Actuaries in Midland (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $63,012 | Actual |
| 2020 | $64,148 | Actual |
| 2021 | $61,457 | Actual |
| 2022 | $69,715 | Actual |
| 2023 | $73,232 | Actual |
| 2024 | $74,417 | Actual |
| 2025 | $76,331 | Actual |
| 2026(current) | $78,774 | Estimated |
| 2027 | $81,294 | Projected |
Entry-level actuary compensation (10th percentile) in Midland, TX grew 21.1% over 7 years based on actual BLS metropolitan area surveys, rising from $63,012 in 2019 to $76,331 in 2025. By 2027, starting salaries are projected to reach $81,294. New graduates entering the Midland job market can expect continued year-over-year gains.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Midland 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 Midland
In terms of employment opportunities for early-career actuaries in Midland, various prominent companies are actively seeking candidates to fill entry-level positions. Major life insurers like Prudential and MetLife, along with health insurance providers, often recruit fresh talent directly through college campuses, providing invaluable support for exam preparations. Consulting firms—including Milliman, Mercer, Aon, and WTW—typically offer higher starting salaries to ASA-credentialed analysts, encouraging aspiring professionals to focus on passing exams, as each successful completion can boost annual pay by $3,000 to $8,000. Candidates with backgrounds in mathematics, statistics, or actuarial science are in high demand, particularly those willing to pursue additional credentials like the ASA or advance to the FSA level. Entry-level actuaries in Midland should consider emphasizing skills in predictive analytics, as this competency is increasingly required in the evolving job market.
More salary data for Midland, 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 Midland. Program costs are averages and actual tuition varies by institution. ROI calculations are simplified estimates.
Data Sources & Methodology
Salary data for Midland 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