Actuary Salary in Fremont, CA: $180,977 (2026)
Quick Answer:A full-time actuary in Fremont, CA earns a median $180,977/year (≈ $87.01/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in Fremont's price level (13% above national, BEA RPP 113.1), that paycheck buys what $160,015 would nationally. Nominal pay sits 39.1% above the California state average.
Based on BLS state-level estimates · View source
For actuaries in Fremont, California, the 2026 median annual salary reaches a notable $180,977, significantly above the national median of $134,160. The salary range spans from $104,967 at the 10th percentile to an impressive $280,514 at the 90th percentile, reflecting the diversity of opportunities in both the Society of Actuaries (SOA) for life, health, and pension sectors and the Casualty Actuarial Society (CAS) for property and casualty roles. These figures, derived from the 2025 BLS data and projected to 2026, illustrate not only a competitive local market but also the demand for skilled professionals in Fremont. As more companies seek to optimize risk management across various insurance sectors, actuaries can expect strong earning potential and varied career trajectories.
About the Fremont Market
Salary estimated from California average ($148,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $104,967 | $50.46 |
| Lower Range (P25) | $137,207 | $65.97 |
| Median (P50)(typical) | $180,977 | $87.01 |
| Upper Range (P75) | $231,650 | $111.37 |
| Top Earners (P90) | $280,514 | $134.86 |
Median Salary Position
34.90% above the national average
2026 Salary Percentile Distribution in Fremont
In Fremont, CA, the actuary salary spread from the 10th to 90th percentile is $175,547 (2026 est.). At $180,977, the local median is 34.9% above the national median of $134,160.
Salary Calculator
At 40 hours/week in Fremont: You'd be in the lower-middle range
How Fremont Actuary Pay Compares
Fremont median: $180,977/year (2026)
| Compared To | Median Salary | Fremont Pays |
|---|---|---|
| California Average | $130,105 | +39.10% more |
| National Average | $134,160 | +34.90% more |
Actuarys in Fremont, CA earn a median of $180,977 per year (2026 est.), which is 34.90% higher than the national median of $134,160 and 39.10% above the California state average of $130,105.
Cost-of-Living Adjusted Salary
Fremont has a cost of living 13.10% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Fremont, CA has a cost-of-living index of 113.1 (above the national average of 100). While the nominal salary of $180,977 is competitive, the higher cost of living reduces purchasing power to an effective $160,015 — a 11.58% reduction.
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2019 BLS Actual
$146,160
2025 BLS Actual
$175,365
2026 Current Est.
$180,977
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in Fremont (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $146,160 | Actual |
| 2020 | $149,775 | Actual |
| 2021 | $142,855 | Actual |
| 2022 | $153,768 | Actual |
| 2023 | $161,875 | Actual |
| 2024 | $172,444 | Actual |
| 2025 | $175,365 | Actual |
| 2026(current) | $180,977 | Estimated |
| 2027 | $186,768 | Projected |
Based on 7 years of BLS OEWS data for the Fremont metropolitan area, the median actuary salary grew 20.0% from $146,160 (2019) to $175,365 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $186,768 by 2027 — a total increase of $40,608 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Fremont 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) | $104,967 – $137,207 |
| 3-5 years (Mid Career) | $137,207 – $180,977 |
| 5+ years (Experienced) | $180,977 – $231,650 |
| 10+ years (Top Earner) | $231,650 – $280,514 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in Fremont
The job market for actuaries within Fremont is robust, with approximately 43 actuaries currently employed in the area. However, the cost of living index of 113.1 indicates that while salaries are high, take-home purchasing power may be impacted by significant living expenses. Leading employers such as Prudential, MetLife, and UnitedHealth are among those that offer the highest compensation, particularly for actuaries specializing in life and health insurance. Compensation disparities arise from various factors, including the level of exam progression, where every passed exam typically translates to an additional $3,000 to $8,000 in salary. Furthermore, firmer pay is seen in consulting firms—such as Aon and Milliman—where actuaries with advanced credentials like FSA or FCAS can command premium rates. Actuaries aiming to maximize their pay in Fremont should focus on completing exams efficiently, securing relevant VEE credits, and exploring opportunities in the more lucrative sectors such as consulting and property & casualty insurance.
More salary data for Fremont, CA:
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 $175,365 for actuariesin the Fremont 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 Fremont 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