Actuary Hourly Pay in Germantown, TN: $57.63 (2026)
Quick Answer:Hourly pay for a actuary working in Germantown, TN runs $57.63 at the median for 2026 — annualizing to $119,870 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 15-2011). Weighted against Germantown's regional price level (BEA RPP 91.8, 8% below national), each hour of work buys what $62.77 nationally would. A 24-hour part-time schedule grosses $71,918 per year.
Based on BLS state-level estimates · View source
In Germantown, Tennessee, actuaries earn a median hourly pay of $57.63, which is notably lower than the national median of $64.50. This hourly rate creates a specific landscape for part-time and per-diem workers. For those working three days a week, typically around 24 hours, the projected earnings can significantly influence their overall financial planning. Actuaries may find themselves in roles within insurance pricing departments, consulting firms, or engaged in remote actuarial modeling, with entry-level positions starting at approximately $34.07 per hour and experienced professionals reaching up to $89.33 per hour. The hourly rates are essentially derived from annual salary estimates but provide a more granular view of the profession’s earning potential in Germantown.
About the Germantown Market
Salary estimated from Tennessee average ($115,000) adjusted for local cost of living.
Actuary Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $34.07 | $272.53 |
| Lower Range (P25) | $45.69 | $365.49 |
| Median (P50) | $57.63 | $461.02 |
| Upper Range (P75) | $73.77 | $590.14 |
| Top Earners (P90) | $89.33 | $714.64 |
Estimated Annual Income by Work Schedule in Germantown
Based on $57.63/hr median hourly rate · 2026 est.
At $57.63/hr, a actuary working full-time (40 hr/wk) in Germantown, TN can expect to earn approximately $119,864 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $69,152. With a cost-of-living index of 91.80 (below the national average), these earnings stretch further in Germantown.
Hourly Rate Calculator
Schedule Comparison in Germantown
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $2,305.08 | $9,989 | $119,864 |
| Part-Time (24 hrs) | $1,383.05 | $5,993 | $71,918 |
| Per Diem (16 hrs) | $922.03 | $3,995 | $47,946 |
Compare ASA, FSA Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Actuary (Germantown) | $57.63 |
| Statistician (National Avg) | $51.53 |
| Mathematician (National Avg) | $56.16 |
| Financial Analyst (National Avg) | $47.61 |
| Data Scientist (National Avg) | $54.40 |
Actuarys in Germantown, TN earn a median of $119,870 per year (2026 est.), which is 10.65% lower than the national median of $134,160 and 2.70% below the Tennessee state average of $123,196.
Actuary Hourly Pay vs. Cost of Living
Working 24h/week at $57.63/hr = $71,918/year (purchasing power: $78,342).
Working 40h/week (full-time) = $119,864/year (purchasing power: $130,571).
CoL index: 91.8 (100 = national average). Your dollars stretch further here.
2019 BLS Actual
$46.54/hr
2025 BLS Actual
$55.84/hr
2026 Current Est.
$57.63/hr
2019–2027 Growth
+27.8%
Hourly Rate Trajectory for Actuaries in Germantown (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $46.54/hr | Actual |
| 2020 | $47.69/hr | Actual |
| 2021 | $45.49/hr | Actual |
| 2022 | $48.96/hr | Actual |
| 2023 | $51.54/hr | Actual |
| 2024 | $49.40/hr | Actual |
| 2025 | $55.84/hr | Actual |
| 2026(current) | $57.63/hr | Estimated |
| 2027 | $59.47/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for actuaries in Germantown grew 20.0% from $46.54/hr (2019) to $55.84/hr (2025). At a 3.20% projected growth rate, hourly pay is expected to reach $59.47/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 Germantown 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 Germantown
Considering the part-time earning potential, an actuary working 24 hours a week would take home around $72,000 per year, significantly lower than a full-time counterpart. In terms of per diem actuary pay in Germantown, such work is less common at junior levels; however, seasoned professionals offering Federal Society of Actuaries (FSA) or Fellow of the Casualty Actuarial Society (FCAS) consulting services can charge between $250 and $500 per hour. Various employers, including life insurance firms like MetLife or health insurers like UnitedHealth, tend to offer distinct hourly rates depending on workload and benefits. Some choose positions with lower hourly wages in exchange for health insurance benefits, while others might seek consulting opportunities for higher pay without those benefits. When negotiating hourly compensation, actuaries may consider emphasizing their exam credentials, as each passed exam often translates to an increase of $3,000 to $8,000 in their rate, presenting a valuable tactic in the Germantown job market.
More salary data for Germantown, TN:
Frequently Asked Questions
What is the hourly rate for actuaries in Germantown in 2026?
How much do part-time actuaries make in Germantown?
Are actuaries in Germantown paid hourly or salary?
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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 Germantown. 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 Germantown 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