Actuary Hourly Pay in Clearwater, FL: $53.19 (2026)
Quick Answer:Hourly pay for a actuary working in Clearwater, FL runs $53.19 at the median for 2026 — annualizing to $110,631 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 15-2011). Weighted against Clearwater's regional price level (BEA RPP 100.8, 1% above national), each hour of work buys what $52.77 nationally would. A 24-hour part-time schedule grosses $66,380 per year.
Based on BLS state-level estimates · View source
In Clearwater, Florida, the projected median actuary hourly pay for 2026 stands at $53.19, notably lower than the national median hourly rate of $64.50. This figure reflects the market dynamics for actuarial professionals working in regions where the cost of living might be slightly above the national average. On a part-time schedule, such as three days per week, an actuary could earn upwards of $25,487 annually, making the profession appealing for those seeking flexibility. The hourly pay for actuaries in Clearwater ranges from $30.85 for entry-level positions to $82.45 for experienced professionals. These figures, derived from annual salary projections, illustrate both the starting point and potential for earnings as one advances in their career.
About the Clearwater Market
Salary estimated from Florida average ($118,000) adjusted for local cost of living.
Actuary Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $30.85 | $246.77 |
| Lower Range (P25) | $38.30 | $306.38 |
| Median (P50) | $53.19 | $425.51 |
| Upper Range (P75) | $68.08 | $544.65 |
| Top Earners (P90) | $82.45 | $659.57 |
Estimated Annual Income by Work Schedule in Clearwater
Based on $53.19/hr median hourly rate · 2026 est.
At $53.19/hr, a actuary working full-time (40 hr/wk) in Clearwater, FL can expect to earn approximately $110,634 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $63,827. With a cost-of-living index of 100.80 (above the national average), these earnings may be offset by higher expenses in Clearwater.
Hourly Rate Calculator
Schedule Comparison in Clearwater
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $2,127.57 | $9,219 | $110,634 |
| Part-Time (24 hrs) | $1,276.54 | $5,532 | $66,380 |
| Per Diem (16 hrs) | $851.03 | $3,688 | $44,253 |
Compare ASA, FSA Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Actuary (Clearwater) | $53.19 |
| Statistician (National Avg) | $51.53 |
| Mathematician (National Avg) | $56.16 |
| Financial Analyst (National Avg) | $47.61 |
| Data Scientist (National Avg) | $54.40 |
Actuarys in Clearwater, FL earn a median of $110,631 per year (2026 est.), which is 17.54% lower than the national median of $134,160 and 14.70% below the Florida state average of $129,697.
Actuary Hourly Pay vs. Cost of Living
Working 24h/week at $53.19/hr = $66,380/year (purchasing power: $65,853).
Working 40h/week (full-time) = $110,634/year (purchasing power: $109,756).
CoL index: 100.8 (100 = national average).
2019 BLS Actual
$42.96/hr
2025 BLS Actual
$51.54/hr
2026 Current Est.
$53.19/hr
2019–2027 Growth
+27.8%
Hourly Rate Trajectory for Actuaries in Clearwater (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $42.96/hr | Actual |
| 2020 | $44.02/hr | Actual |
| 2021 | $41.99/hr | Actual |
| 2022 | $45.19/hr | Actual |
| 2023 | $47.58/hr | Actual |
| 2024 | $58.14/hr | Actual |
| 2025 | $51.54/hr | Actual |
| 2026(current) | $53.19/hr | Estimated |
| 2027 | $54.89/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for actuaries in Clearwater grew 20.0% from $42.96/hr (2019) to $51.54/hr (2025). At a 3.20% projected growth rate, hourly pay is expected to reach $54.89/hr by 2027. Part-time and per-diem actuaries can use this multi-year trend to benchmark future contract negotiations.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Clearwater 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.
Working as an Hourly Actuary in Clearwater
Various factors influence earning potential for actuaries in Clearwater, particularly for those pursuing per diem work or agency roles. Part-time actuaries can earn significantly less compared to their full-time counterparts, but the trade-off often includes a better work-life balance. While direct per diem work is not common for junior actuaries, seasoned professionals, such as Fellows of the Society of Actuaries (FSA) or Fellow of the Casualty Actuarial Society (FCAS), sometimes work on a freelance basis. Typically, consulting engagements may bill clients between $250-$500 per hour, while expert testimony work can command between $400-$800 per hour, illustrating how specialization and experience can vastly increase hourly pay. Additionally, actuarial roles in life insurance, health insurance, property and casualty, and consulting firms all exhibit variations in pay structures; for example, consulting firms often pay a premium for experienced FSAs/FCAS compared to traditional insurance companies. Therefore, actuaries may find themselves weighing higher hourly rates without benefits against more stable positions with comprehensive healthcare coverage, especially in a market like Clearwater, FL. Negotiating effectively for hourly pay often requires clarity about the specific value offered and the understanding of market rates in different sectors.
More salary data for Clearwater, FL:
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
Hourly wage figures on this page are 2026 projections based on the Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) survey, May 2026 release. A 3.20% compound annual growth rate (CAGR), derived from 6-year national BLS wage trends, was applied to estimate current 2026 hourly rates for actuaries in Clearwater. Part-time and full-time income estimates assume consistent weekly hours and do not account for overtime, benefits, or seasonal variation.
Data Sources & Methodology
Salary data for Clearwater 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