Actuary Salary in Hot Springs, AR: $98,783 (2026)
Quick Answer:A full-time actuary in Hot Springs, AR earns a median $98,783/year (≈ $47.49/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in Hot Springs's price level (13% below national, BEA RPP 86.9), that paycheck buys what $113,674 would nationally. Nominal pay sits 2.1% below the Arkansas state average.
Based on BLS state-level estimates · View source
In Hot Springs, Arkansas, the actuary salary is projected to reach a median of $98,783 in 2026, which is significantly lower than the national average of $134,160. Local salaries range from $58,896 at the 10th percentile to $153,114 at the 90th percentile, indicating a varied compensation structure based on experience and credentialing. These figures are derived from 2025 BLS data, adjusted for regional price variances, which highlight the competitive dynamics between consulting firms—such as Milliman, Mercer, and WTW—and traditional insurance employers. The job market for actuaries in Hot Springs reflects these contrasting pay gradients, underscoring the value of advancing through exams to enhance professional worth, especially for those targeting consultant positions.
About the Hot Springs Market
Salary estimated from Arkansas average ($102,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $58,896 | $28.32 |
| Lower Range (P25) | $72,960 | $35.08 |
| Median (P50)(typical) | $98,783 | $47.49 |
| Upper Range (P75) | $126,443 | $60.78 |
| Top Earners (P90) | $153,114 | $73.61 |
Median Salary Position
26.37% below the national average
2026 Salary Percentile Distribution in Hot Springs
In Hot Springs, AR, the actuary salary spread from the 10th to 90th percentile is $94,218 (2026 est.). At $98,783, the local median is 26.37% below the national median of $134,160.
Salary Calculator
At 40 hours/week in Hot Springs: You'd be in the lower-middle range
How Hot Springs Actuary Pay Compares
Hot Springs median: $98,783/year (2026)
| Compared To | Median Salary | Hot Springs Pays |
|---|---|---|
| Arkansas Average | $100,902 | -2.10% less |
| National Average | $134,160 | -26.37% less |
Actuarys in Hot Springs, AR earn a median of $98,783 per year (2026 est.), which is 26.37% lower than the national median of $134,160 and 2.10% below the Arkansas state average of $100,902.
Cost-of-Living Adjusted Salary
Hot Springs has a cost of living 13.10% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Hot Springs, AR has a cost-of-living index of 86.9 (below the national average of 100). A actuary earning $98,783 nominally has purchasing power equivalent to $113,674 in an average-cost city — an effective 15.07% boost.
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2019 BLS Actual
$79,779
2025 BLS Actual
$95,720
2026 Current Est.
$98,783
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in Hot Springs (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $79,779 | Actual |
| 2020 | $81,752 | Actual |
| 2021 | $77,975 | Actual |
| 2022 | $83,932 | Actual |
| 2023 | $88,357 | Actual |
| 2024 | $86,753 | Actual |
| 2025 | $95,720 | Actual |
| 2026(current) | $98,783 | Estimated |
| 2027 | $101,944 | Projected |
Based on 7 years of BLS OEWS data for the Hot Springs metropolitan area, the median actuary salary grew 20.0% from $79,779 (2019) to $95,720 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $101,944 by 2027 — a total increase of $22,165 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Hot Springs 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) | $58,896 – $72,960 |
| 3-5 years (Mid Career) | $72,960 – $98,783 |
| 5+ years (Experienced) | $98,783 – $126,443 |
| 10+ years (Top Earner) | $126,443 – $153,114 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in Hot Springs
The actuary job market in Hot Springs is relatively limited, with only six employed in the area, yet it presents unique opportunities given the region's cost of living index of 86.9. This below-average cost of living enhances the purchasing power of local actuaries, making their salaries stretch further than in higher-cost areas. Employers like UnitedHealth and Prudential may offer higher packages within their sectors, but the overall variation from life insurance to health management often hinges on the actuary's level of certification and exam progression. New hires with Associate of Society of Actuaries (ASA) credentials can expect a starting point that can elevate significantly with each successful exam, where advancing to Fellow of the Society of Actuaries (FSA) can lead to premiums in salary offers. Given the market dynamics, it's advisable for aspiring actuaries to consider gaining experience in predictive analytics and data science skills, which are increasingly sought after and can directly impact compensation in this specific geographical context.
More salary data for Hot Springs, AR:
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 $95,720 for actuariesin the Hot Springs 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 Hot Springs 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