Actuary Salary in Lake Havasu City, AZ: $131,135 (2026)
Quick Answer:A full-time actuary in Lake Havasu City, AZ earns a median $131,135/year (≈ $63.04/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in Lake Havasu City's price level (1% below national, BEA RPP 98.5), that paycheck buys what $133,132 would nationally. Nominal pay sits 0.8% below the Arizona state average.
Based on BLS state-level estimates · View source
In 2026, actuaries in Lake Havasu City, Arizona, can expect a median annual salary of $131,135, which is slightly below the national median of $134,160. The salary range for this profession varies significantly, with the lower 10% earning approximately $76,058 and the upper 90% potentially reaching $203,260. These figures are based on estimates derived from 2025 BLS data, adjusted for regional cost variables. Given the choice between specializing in life and health through the Society of Actuaries (SOA) or property and casualty via the Casualty Actuarial Society (CAS), actuaries in Lake Havasu City should consider how these specializations influence their earning potential in a market characterized by ongoing shifts in demand and skill requirements.
About the Lake Havasu City Market
Salary estimated from Arizona average ($115,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $76,058 | $36.56 |
| Lower Range (P25) | $102,215 | $49.14 |
| Median (P50)(typical) | $131,135 | $63.04 |
| Upper Range (P75) | $167,853 | $80.70 |
| Top Earners (P90) | $203,260 | $97.72 |
Median Salary Position
2.25% below the national average
2026 Salary Percentile Distribution in Lake Havasu City
In Lake Havasu City, AZ, the actuary salary spread from the 10th to 90th percentile is $127,202 (2026 est.). At $131,135, the local median is 2.25% below the national median of $134,160.
Salary Calculator
At 40 hours/week in Lake Havasu City: You'd be in the lower-middle range
How Lake Havasu City Actuary Pay Compares
Lake Havasu City median: $131,135/year (2026)
| Compared To | Median Salary | Lake Havasu City Pays |
|---|---|---|
| Arizona Average | $132,193 | -0.80% less |
| National Average | $134,160 | -2.25% less |
Actuarys in Lake Havasu City, AZ earn a median of $131,135 per year (2026 est.), which is 2.25% lower than the national median of $134,160 and 0.80% below the Arizona state average of $132,193.
Cost-of-Living Adjusted Salary
Lake Havasu City has a cost of living 1.50% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Lake Havasu City, AZ has a cost-of-living index of 98.5 (below the national average of 100). A actuary earning $131,135 nominally has purchasing power equivalent to $133,132 in an average-cost city — an effective 1.52% boost.
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2019 BLS Actual
$105,907
2025 BLS Actual
$127,069
2026 Current Est.
$131,135
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in Lake Havasu City (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $105,907 | Actual |
| 2020 | $108,527 | Actual |
| 2021 | $103,512 | Actual |
| 2022 | $111,420 | Actual |
| 2023 | $117,294 | Actual |
| 2024 | $112,407 | Actual |
| 2025 | $127,069 | Actual |
| 2026(current) | $131,135 | Estimated |
| 2027 | $135,332 | Projected |
Based on 7 years of BLS OEWS data for the Lake Havasu City metropolitan area, the median actuary salary grew 20.0% from $105,907 (2019) to $127,069 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $135,332 by 2027 — a total increase of $29,425 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Lake Havasu City 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.
Salary by Experience Level
| Experience | Estimated Salary Range |
|---|---|
| 0-2 years (New Graduate) | $76,058 – $102,215 |
| 3-5 years (Mid Career) | $102,215 – $131,135 |
| 5+ years (Experienced) | $131,135 – $167,853 |
| 10+ years (Top Earner) | $167,853 – $203,260 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in Lake Havasu City
With only 13 actuaries employed in Lake Havasu City, the job market remains relatively small, yet that niche status can lead to opportunities in securing higher pay, especially among established insurers or consulting firms. The cost-of-living index in the area is 98.5, slightly below the national average, meaning that actuaries' salaries must be viewed in the context of local purchasing power. Those pursuing roles at life insurance giants like Prudential or health insurance leaders such as UnitedHealth may notice differing pay structures that favor certain specialties. Pay growth is largely influenced by the progression through actuarial exams; every passed exam can add significantly to base compensation, particularly for those who achieve Fellowship status with either the SOA or CAS. To maximize earnings potential in the local market, aspiring actuaries should prioritize exam completion and seek roles in firms offering signing bonuses for credential milestones, as well as opportunities where advanced data science or predictive analytics skills are in high demand.
More salary data for Lake Havasu City, AZ:
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
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 BLS reported a median annual salary of $127,069 for actuariesin the Lake Havasu City metropolitan area. A 3.20% compound annual growth rate (CAGR), calculated from 6-year national BLS wage trends, was applied to project current 2026 compensation. Percentile ranges (P10–P90) represent the full salary distribution across experience levels and practice settings in this market.
Data Sources & Methodology
Salary data for Lake Havasu City 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