Actuary Salary in Palm Coast, FL: $129,694 (2026)
Quick Answer:A full-time actuary in Palm Coast, FL earns a median $129,694/year (≈ $62.35/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in Palm Coast's price level (1% above national, BEA RPP 100.8), that paycheck buys what $128,665 would nationally. Nominal pay sits 0.0% above the Florida state average.
Based on BLS state-level estimates · View source
In 2026, actuaries in Palm Coast, Florida, can expect a median annual salary of $129,694, slightly lower than the national median of $134,160. The salary figures range significantly, from $75,770 at the 10th percentile to an impressive $201,025 at the 90th percentile, reflecting both entry-level positions and highly experienced roles within the field. These estimates, derived from 2025 BLS data and adjusted for regional costs, show a healthy market for actuaries. The local job market, while modest with only 12 actuaries currently employed, indicates a growing demand for specialized skills such as predictive analytics and data science, further accentuating the value of credentialed professionals in this area.
About the Palm Coast Market
Salary estimated from Florida average ($118,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $75,770 | $36.43 |
| Lower Range (P25) | $94,518 | $45.44 |
| Median (P50)(typical) | $129,694 | $62.35 |
| Upper Range (P75) | $166,008 | $79.81 |
| Top Earners (P90) | $201,025 | $96.65 |
Median Salary Position
3.33% below the national average
2026 Salary Percentile Distribution in Palm Coast
In Palm Coast, FL, the actuary salary spread from the 10th to 90th percentile is $125,255 (2026 est.). At $129,694, the local median is 3.33% below the national median of $134,160.
Salary Calculator
At 40 hours/week in Palm Coast: You'd be in the lower-middle range
How Palm Coast Actuary Pay Compares
Palm Coast median: $129,694/year (2026)
| Compared To | Median Salary | Palm Coast Pays |
|---|---|---|
| National Average | $134,160 | -3.33% less |
Actuarys in Palm Coast, FL earn a median of $129,694 per year (2026 est.), which is 3.33% lower than the national median of $134,160.
Cost-of-Living Adjusted Salary
Palm Coast has a cost of living 0.80% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Palm Coast, FL has a cost-of-living index of 100.8 (above the national average of 100). While the nominal salary of $129,694 is competitive, the higher cost of living reduces purchasing power to an effective $128,665 — a 0.79% reduction.
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2019 BLS Actual
$104,743
2025 BLS Actual
$125,672
2026 Current Est.
$129,694
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in Palm Coast (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $104,743 | Actual |
| 2020 | $107,334 | Actual |
| 2021 | $102,374 | Actual |
| 2022 | $110,195 | Actual |
| 2023 | $116,005 | Actual |
| 2024 | $118,946 | Actual |
| 2025 | $125,672 | Actual |
| 2026(current) | $129,694 | Estimated |
| 2027 | $133,844 | Projected |
Based on 7 years of BLS OEWS data for the Palm Coast metropolitan area, the median actuary salary grew 20.0% from $104,743 (2019) to $125,672 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $133,844 by 2027 — a total increase of $29,101 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Palm Coast 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) | $75,770 – $94,518 |
| 3-5 years (Mid Career) | $94,518 – $129,694 |
| 5+ years (Experienced) | $129,694 – $166,008 |
| 10+ years (Top Earner) | $166,008 – $201,025 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in Palm Coast
The cost of living in Palm Coast is slightly above the national average, with a Cost of Living Index of 100.8, which should be taken into account when evaluating take-home pay. Notable employers include major insurers and consulting firms, with life insurance companies like Prudential and MetLife typically offering competitive salaries. The variation in actuary pay in Palm Coast often hinges on several factors: the number of exams passed, the level of credentialing achieved (ASA versus FSA), and the chosen sector of the industry. Consulting roles generally offer higher salaries than traditional insurance settings, particularly for those who progress through the fellow process. To maximize earning potential in this local market, actuaries should focus on passing additional exams, acquiring specialized credentials, and seeking opportunities in high-paying sectors such as property and casualty reinsurance or consulting firms, where higher remuneration is increasingly common.
More salary data for Palm Coast, FL:
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 $125,672 for actuariesin the Palm Coast 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 Palm Coast 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