Actuary Salary in Pensacola, FL: $128,924 (2026)
Quick Answer:A full-time actuary in Pensacola, FL earns a median $128,924/year (≈ $61.98/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in Pensacola's price level (1% above national, BEA RPP 100.8), that paycheck buys what $127,901 would nationally. Nominal pay sits 0.6% below the Florida state average.
Based on BLS state-level estimates · View source
In 2026, the actuary salary in Pensacola, Florida, is projected to reach a median annual income of $128,924. This figure reflects localized estimates that account for regional price variations, showing a salary range from $74,776 at the 10th percentile to $199,831 at the 90th percentile. Pensacola is known for its distinct preference in specialty markets, with actuaries often aligning with either the Society of Actuaries (SOA) focusing on life, health, and pension, or the Casualty Actuarial Society (CAS) catering to property and casualty sectors. Despite the competitive nature of the job market, local actuaries can expect compensation that is approximately 3.90% below the national median of $134,160, indicating the need to consider the economic environment when evaluating opportunities.
About the Pensacola Market
Salary estimated from Florida average ($118,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $74,776 | $35.95 |
| Lower Range (P25) | $93,029 | $44.73 |
| Median (P50)(typical) | $128,924 | $61.98 |
| Upper Range (P75) | $165,022 | $79.34 |
| Top Earners (P90) | $199,831 | $96.07 |
Median Salary Position
3.9% below the national average
2026 Salary Percentile Distribution in Pensacola
In Pensacola, FL, the actuary salary spread from the 10th to 90th percentile is $125,055 (2026 est.). At $128,924, the local median is 3.9% below the national median of $134,160.
Salary Calculator
At 40 hours/week in Pensacola: You'd be in the lower-middle range
How Pensacola Actuary Pay Compares
Pensacola median: $128,924/year (2026)
| Compared To | Median Salary | Pensacola Pays |
|---|---|---|
| Florida Average | $129,702 | -0.60% less |
| National Average | $134,160 | -3.90% less |
Actuarys in Pensacola, FL earn a median of $128,924 per year (2026 est.), which is 3.90% lower than the national median of $134,160 and 0.60% below the Florida state average of $129,702.
Cost-of-Living Adjusted Salary
Pensacola has a cost of living 0.80% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Pensacola, FL has a cost-of-living index of 100.8 (above the national average of 100). While the nominal salary of $128,924 is competitive, the higher cost of living reduces purchasing power to an effective $127,901 — a 0.79% reduction.
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2019 BLS Actual
$104,121
2025 BLS Actual
$124,926
2026 Current Est.
$128,924
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in Pensacola (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $104,121 | Actual |
| 2020 | $106,696 | Actual |
| 2021 | $101,767 | Actual |
| 2022 | $109,541 | Actual |
| 2023 | $115,316 | Actual |
| 2024 | $118,240 | Actual |
| 2025 | $124,926 | Actual |
| 2026(current) | $128,924 | Estimated |
| 2027 | $133,049 | Projected |
Based on 7 years of BLS OEWS data for the Pensacola metropolitan area, the median actuary salary grew 20.0% from $104,121 (2019) to $124,926 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $133,049 by 2027 — a total increase of $28,928 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Pensacola 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) | $74,776 – $93,029 |
| 3-5 years (Mid Career) | $93,029 – $128,924 |
| 5+ years (Experienced) | $128,924 – $165,022 |
| 10+ years (Top Earner) | $165,022 – $199,831 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in Pensacola
With only 11 actuaries currently employed in Pensacola, the local job market remains modest; however, the potential for salary advancement exists within various sectors. The cost of living index in the area is mildly above the national average at 100.8, meaning the purchasing power may be limited for actuaries compared to larger markets. Top-paying employers in Pensacola consist of renowned insurance companies, including those in life (Prudential, MetLife) and health (UnitedHealth, Cigna), along with consulting firms like Mercer and Aon, which tend to provide the highest compensation for FSAs and FCAS holders. The variability in actuary pay in Pensacola is influenced by factors such as exam progression, where each passed exam can yield salary increments, alongside the credential levels and the specific market focus of actuaries. For those aiming to enhance their earnings in this market, pursuing advanced certifications and developing in-demand skills in predictive analytics can offer significant returns.
More salary data for Pensacola, 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 $124,926 for actuariesin the Pensacola 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 Pensacola 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