Actuary Salary in Steamboat Springs, CO: $132,834 (2026)
Quick Answer:A full-time actuary in Steamboat Springs, CO earns a median $132,834/year (≈ $63.86/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in Steamboat Springs's price level (5% above national, BEA RPP 105.0), that paycheck buys what $126,509 would nationally. Nominal pay sits 5.7% below the Colorado state average.
Based on BLS state-level estimates · View source
With a projected median annual salary of $132,834 for 2026, actuary compensation in Steamboat Springs, Colorado, closely tracks the national average, albeit slightly below the $134,160 benchmark. Salary ranges vary significantly, with entry-level positions earning around $80,985, while seasoned professionals can command salaries as high as $205,892. These figures, based on 2025 BLS data projected to 2026 and adjusted for local cost considerations, indicate a robust earning potential for actuaries in this mountain community. The limited number of actuaries—only four employed in the area—suggests a niche market that may present unique opportunities for professionals looking to enter the field.
About the Steamboat Springs Market
Salary estimated from Colorado average ($125,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $80,985 | $38.94 |
| Lower Range (P25) | $106,924 | $51.40 |
| Median (P50)(typical) | $132,834 | $63.86 |
| Upper Range (P75) | $167,469 | $80.52 |
| Top Earners (P90) | $205,892 | $98.99 |
Median Salary Position
0.99% below the national average
2026 Salary Percentile Distribution in Steamboat Springs
In Steamboat Springs, CO, the actuary salary spread from the 10th to 90th percentile is $124,907 (2026 est.). At $132,834, the local median is 0.99% below the national median of $134,160.
Salary Calculator
At 40 hours/week in Steamboat Springs: You'd be in the lower-middle range
How Steamboat Springs Actuary Pay Compares
Steamboat Springs median: $132,834/year (2026)
| Compared To | Median Salary | Steamboat Springs Pays |
|---|---|---|
| Colorado Average | $140,863 | -5.70% less |
| National Average | $134,160 | -0.99% less |
Actuarys in Steamboat Springs, CO earn a median of $132,834 per year (2026 est.), which is 0.99% lower than the national median of $134,160 and 5.70% below the Colorado state average of $140,863.
Cost-of-Living Adjusted Salary
Steamboat Springs has a cost of living 5.00% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Steamboat Springs, CO has a cost-of-living index of 105 (above the national average of 100). While the nominal salary of $132,834 is competitive, the higher cost of living reduces purchasing power to an effective $126,509 — a 4.76% reduction.
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2019 BLS Actual
$107,279
2025 BLS Actual
$128,715
2026 Current Est.
$132,834
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in Steamboat Springs (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $107,279 | Actual |
| 2020 | $109,933 | Actual |
| 2021 | $104,853 | Actual |
| 2022 | $112,863 | Actual |
| 2023 | $118,814 | Actual |
| 2024 | $123,765 | Actual |
| 2025 | $128,715 | Actual |
| 2026(current) | $132,834 | Estimated |
| 2027 | $137,085 | Projected |
Based on 7 years of BLS OEWS data for the Steamboat Springs metropolitan area, the median actuary salary grew 20.0% from $107,279 (2019) to $128,715 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $137,085 by 2027 — a total increase of $29,806 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Steamboat 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) | $80,985 – $106,924 |
| 3-5 years (Mid Career) | $106,924 – $132,834 |
| 5+ years (Experienced) | $132,834 – $167,469 |
| 10+ years (Top Earner) | $167,469 – $205,892 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in Steamboat Springs
The local job market for actuaries in Steamboat Springs reflects both the area's allure and its cost-of-living realities, with a cost-of-living index of 105, indicating a slightly above-average cost when compared to national standards. Actuaries in this region may find that while their base salary remains competitive, the purchasing power could be impacted by living expenses. Companies such as Prudential and UnitedHealth are among the highest payers, emphasizing the split between remuneration in the insurance sector versus consulting firms, which often pay premium wages for those with advanced credentials. The variance in actuary salaries can be attributed to several factors, including the completion of SOA exams, the movement from ASA to FSA credentials, and specialization in high-demand markets such as property & casualty or reinsurance. For ambitious actuaries looking to maximize their earnings in Steamboat Springs, enhancing qualifications through exams and pursuing positions with leading consulting firms is advisable, as these strategies can yield substantial financial rewards.
More salary data for Steamboat Springs, CO:
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 $128,715 for actuariesin the Steamboat 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 Steamboat 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