Actuary Salary in San Ramon, CA: $129,947 (2026)
Quick Answer:A full-time actuary in San Ramon, CA earns a median $129,947/year (≈ $62.48/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in San Ramon's price level (13% above national, BEA RPP 113.1), that paycheck buys what $114,896 would nationally. Nominal pay sits 0.1% below the California state average.
Based on BLS state-level estimates · View source
In 2026, actuary salary in San Ramon is projected to reach a median annual figure of $129,947, which is slightly below the national median of $134,160. The salary range for actuaries in this area showcases the variance in earnings, with the lowest 10% earning $75,686 and the top 90% commanding $201,419. These estimates are derived from 2025 BLS data and adjusted for regional cost considerations. With a modest annual growth rate of 3.20%, the local job market remains competitive, indicating opportunities for actuaries to progress in their careers through exam passage and credential advancement.
About the San Ramon Market
Salary estimated from California average ($148,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $75,686 | $36.39 |
| Lower Range (P25) | $94,528 | $45.45 |
| Median (P50)(typical) | $129,947 | $62.48 |
| Upper Range (P75) | $166,333 | $79.97 |
| Top Earners (P90) | $201,419 | $96.83 |
Median Salary Position
3.14% below the national average
2026 Salary Percentile Distribution in San Ramon
In San Ramon, CA, the actuary salary spread from the 10th to 90th percentile is $125,733 (2026 est.). At $129,947, the local median is 3.14% below the national median of $134,160.
Salary Calculator
At 40 hours/week in San Ramon: You'd be in the lower-middle range
How San Ramon Actuary Pay Compares
San Ramon median: $129,947/year (2026)
| Compared To | Median Salary | San Ramon Pays |
|---|---|---|
| California Average | $130,077 | -0.10% less |
| National Average | $134,160 | -3.14% less |
Actuarys in San Ramon, CA earn a median of $129,947 per year (2026 est.), which is 3.14% lower than the national median of $134,160 and 0.10% below the California state average of $130,077.
Cost-of-Living Adjusted Salary
San Ramon has a cost of living 13.10% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
San Ramon, CA has a cost-of-living index of 113.1 (above the national average of 100). While the nominal salary of $129,947 is competitive, the higher cost of living reduces purchasing power to an effective $114,896 — a 11.58% reduction.
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2019 BLS Actual
$104,948
2025 BLS Actual
$125,918
2026 Current Est.
$129,947
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in San Ramon (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $104,948 | Actual |
| 2020 | $107,544 | Actual |
| 2021 | $102,575 | Actual |
| 2022 | $110,411 | Actual |
| 2023 | $116,232 | Actual |
| 2024 | $167,206 | Actual |
| 2025 | $125,918 | Actual |
| 2026(current) | $129,947 | Estimated |
| 2027 | $134,106 | Projected |
Based on 7 years of BLS OEWS data for the San Ramon metropolitan area, the median actuary salary grew 20.0% from $104,948 (2019) to $125,918 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $134,106 by 2027 — a total increase of $29,158 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the San Ramon 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) | $75,686 – $94,528 |
| 3-5 years (Mid Career) | $94,528 – $129,947 |
| 5+ years (Experienced) | $129,947 – $166,333 |
| 10+ years (Top Earner) | $166,333 – $201,419 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in San Ramon
With only 19 actuaries currently employed in San Ramon, the job market is relatively small, which can affect salary dynamics. The cost-of-living index stands at 113.1, reflecting a higher-than-average living expense, potentially impacting take-home pay for local professionals. Major employers include leading insurance firms and consulting companies, where salaries tend to be higher for those with advanced credentials and specialized skills. Exam progression is crucial; each exam passed can yield an increase in salary, often in the range of $3,000 to $8,000 per step. Actuaries aiming for higher pay should consider specializing in high-demand areas such as property and casualty insurance or reinsurance, while also seeking opportunities for signing bonuses related to credential completion and continued education through VEE credits. This approach can significantly enhance compensation prospects in San Ramon, CA.
More salary data for San Ramon, 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 $125,918 for actuariesin the San Ramon 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 San Ramon 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