Actuary Hourly Pay in Carlsbad, NM: $49.35 (2026)
Quick Answer:Hourly pay for a actuary working in Carlsbad, NM runs $49.35 at the median for 2026 — annualizing to $102,645 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 15-2011). Weighted against Carlsbad's regional price level (BEA RPP 94.4, 6% below national), each hour of work buys what $52.28 nationally would. A 24-hour part-time schedule grosses $61,589 per year.
Based on BLS state-level estimates · View source
In Carlsbad, NM, actuaries earn a median hourly rate of $49.35, which is significantly lower than the national median hourly rate of $64.50. This discrepancy reflects regional economic conditions and the cost of living index in Carlsbad, which is below the national average at 94.4. Part-time actuaries working three days a week can expect to earn around $49,404 annually, a figure that influences per-diem arrangements in various actuarial settings, including risk assessments and financial modeling in insurance companies and consulting firms. The hourly range for this profession in Carlsbad stretches from $30.93 for entry-level positions to $76.49 for the top 10% of earners. It's critical to understand that these rates are estimates derived from annual salary projections, providing a benchmark for actuaries seeking flexible work arrangements or supplementary income.
About the Carlsbad Market
Salary estimated from New Mexico average ($108,000) adjusted for local cost of living.
Actuary Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $30.93 | $247.43 |
| Lower Range (P25) | $37.56 | $300.52 |
| Median (P50) | $49.35 | $394.80 |
| Upper Range (P75) | $63.17 | $505.35 |
| Top Earners (P90) | $76.49 | $611.93 |
Estimated Annual Income by Work Schedule in Carlsbad
Based on $49.35/hr median hourly rate · 2026 est.
At $49.35/hr, a actuary working full-time (40 hr/wk) in Carlsbad, NM can expect to earn approximately $102,648 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $59,220. With a cost-of-living index of 94.40 (below the national average), these earnings stretch further in Carlsbad.
Hourly Rate Calculator
Schedule Comparison in Carlsbad
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,974.01 | $8,554 | $102,648 |
| Part-Time (24 hrs) | $1,184.41 | $5,132 | $61,589 |
| Per Diem (16 hrs) | $789.60 | $3,422 | $41,059 |
Compare ASA, FSA Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Actuary (Carlsbad) | $49.35 |
| Statistician (National Avg) | $51.53 |
| Mathematician (National Avg) | $56.16 |
| Financial Analyst (National Avg) | $47.61 |
| Data Scientist (National Avg) | $54.40 |
Actuarys in Carlsbad, NM earn a median of $102,645 per year (2026 est.), which is 23.49% lower than the national median of $134,160 and 5.20% below the New Mexico state average of $108,275.
Actuary Hourly Pay vs. Cost of Living
Working 24h/week at $49.35/hr = $61,589/year (purchasing power: $65,243).
Working 40h/week (full-time) = $102,648/year (purchasing power: $108,738).
CoL index: 94.4 (100 = national average). Your dollars stretch further here.
2019 BLS Actual
$39.86/hr
2025 BLS Actual
$47.82/hr
2026 Current Est.
$49.35/hr
2019–2027 Growth
+27.8%
Hourly Rate Trajectory for Actuaries in Carlsbad (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $39.86/hr | Actual |
| 2020 | $40.84/hr | Actual |
| 2021 | $38.95/hr | Actual |
| 2022 | $41.93/hr | Actual |
| 2023 | $44.14/hr | Actual |
| 2024 | $46.47/hr | Actual |
| 2025 | $47.82/hr | Actual |
| 2026(current) | $49.35/hr | Estimated |
| 2027 | $50.93/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for actuaries in Carlsbad grew 20.0% from $39.86/hr (2019) to $47.82/hr (2025). At a 3.20% projected growth rate, hourly pay is expected to reach $50.93/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 Carlsbad 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 Carlsbad
When digging deeper into the earning potential for part-time actuaries in Carlsbad, it's essential to recognize the income difference between full-time and part-time roles. A part-time actuary working 24 hours weekly would see significant earning limitations unless actively transitioning into higher-demand roles. Per-diem actuary pay in Carlsbad tends to be beneath the premiums found in consulting or specialized engagements, where seasoned professionals with FSA or FCAS credentials can command between $250 and $500 per hour. Insurance litigation or pension cases may allow for even higher hourly rates, with expert witness testimony fetching between $400 and $800 per hour. Employers, such as major life insurance firms and property and casualty providers, may offer varied hourly compensation based on role significance and market demands. Employees accepting lower pay might balance the trade-off with health benefits and stability. Practical negotiation strategies for those looking to maximize per-hour income in Carlsbad include emphasizing specialized credentials and demonstrating a track record of success to leverage better pay in the hiring process.
More salary data for Carlsbad, NM:
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 Carlsbad. 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 Carlsbad 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