Actuary Salary in Santa Rosa, CA: $128,326 (2026)
Quick Answer:A full-time actuary in Santa Rosa, CA earns a median $128,326/year (≈ $61.69/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in Santa Rosa's price level (13% above national, BEA RPP 113.1), that paycheck buys what $113,462 would nationally. Nominal pay sits 1.4% below the California state average.
Based on BLS state-level estimates · View source
In 2026, the actuarial profession in Santa Rosa, California, offers a median annual salary of $128,326, reflecting a slightly lower figure compared to the national median of $134,160. The salary range for this occupation varies significantly, with entry-level positions starting around $76,834 and experienced professionals earning up to $198,906. Estimates are derived from 2025 BLS state-level data, adjusted for regional cost variations. Santa Rosa actuaries may face unique market conditions shaped by local employers, with dominance in life, health, and pension sectors as well as property and casualty insurance, influencing potential pay and job opportunities.
About the Santa Rosa Market
Salary estimated from California average ($148,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $76,834 | $36.94 |
| Lower Range (P25) | $95,125 | $45.73 |
| Median (P50)(typical) | $128,326 | $61.69 |
| Upper Range (P75) | $164,257 | $78.97 |
| Top Earners (P90) | $198,906 | $95.63 |
Median Salary Position
4.35% below the national average
2026 Salary Percentile Distribution in Santa Rosa
In Santa Rosa, CA, the actuary salary spread from the 10th to 90th percentile is $122,072 (2026 est.). At $128,326, the local median is 4.35% below the national median of $134,160.
Salary Calculator
At 40 hours/week in Santa Rosa: You'd be in the lower-middle range
How Santa Rosa Actuary Pay Compares
Santa Rosa median: $128,326/year (2026)
| Compared To | Median Salary | Santa Rosa Pays |
|---|---|---|
| California Average | $130,148 | -1.40% less |
| National Average | $134,160 | -4.35% less |
Actuarys in Santa Rosa, CA earn a median of $128,326 per year (2026 est.), which is 4.35% lower than the national median of $134,160 and 1.40% below the California state average of $130,148.
Cost-of-Living Adjusted Salary
Santa Rosa has a cost of living 13.10% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Santa Rosa, CA has a cost-of-living index of 113.1 (above the national average of 100). While the nominal salary of $128,326 is competitive, the higher cost of living reduces purchasing power to an effective $113,462 — a 11.58% reduction.
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2019 BLS Actual
$103,638
2025 BLS Actual
$124,347
2026 Current Est.
$128,326
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in Santa Rosa (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $103,638 | Actual |
| 2020 | $106,202 | Actual |
| 2021 | $101,295 | Actual |
| 2022 | $109,033 | Actual |
| 2023 | $114,782 | Actual |
| 2024 | $165,119 | Actual |
| 2025 | $124,347 | Actual |
| 2026(current) | $128,326 | Estimated |
| 2027 | $132,433 | Projected |
Based on 7 years of BLS OEWS data for the Santa Rosa metropolitan area, the median actuary salary grew 20.0% from $103,638 (2019) to $124,347 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $132,433 by 2027 — a total increase of $28,795 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Santa Rosa 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) | $76,834 – $95,125 |
| 3-5 years (Mid Career) | $95,125 – $128,326 |
| 5+ years (Experienced) | $128,326 – $164,257 |
| 10+ years (Top Earner) | $164,257 – $198,906 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in Santa Rosa
The local job market employs 44 actuaries, with a cost-of-living index of 113.1, suggesting that while salaries might seem attractive, the reality of living expenses could impact overall purchasing power. Employers that typically offer competitive actuary pay in Santa Rosa include major insurance names such as Prudential, MetLife, and UnitedHealth, among others. Compensation variability is influenced by numerous factors, including exam progression, specialization, and the transition from an ASA to an FSA credential. Strategic advancement through actuarial exams can significantly increase pay, with estimates indicating each passed exam could yield an additional $3,000 to $8,000. Professional development that includes obtaining consulting experience with firms like Aon or Mercer may lead to enhanced salary prospects in this market.
More salary data for Santa Rosa, 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 $124,347 for actuariesin the Santa Rosa 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 Santa Rosa 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