Actuary Salary in Sanford, FL: $128,650 (2026)
Quick Answer:A full-time actuary in Sanford, FL earns a median $128,650/year (≈ $61.85/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in Sanford's price level (1% above national, BEA RPP 100.8), that paycheck buys what $127,629 would nationally. Nominal pay sits 0.8% below the Florida state average.
Based on BLS state-level estimates · View source
In Sanford, Florida, actuary salaries show a robust local market, with median annual earnings projected at $128,650 in 2026. The salary range for this profession varies significantly, from $76,609 at the 10th percentile to $199,408 at the 90th percentile, suggesting a considerable earnings potential based on experience and specialization. These figures represent estimates developed from 2025 BLS data, calibrated to local cost adjustments, and reflect a market that supports both consulting and insurance roles. Companies like Milliman and Mercer are known for their competitive compensation packages, especially for Fellows of the Society of Actuaries (FSA) due to their heightened demand for advanced skills in data analysis and modeling.
About the Sanford Market
Salary estimated from Florida average ($118,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $76,609 | $36.83 |
| Lower Range (P25) | $95,239 | $45.79 |
| Median (P50)(typical) | $128,650 | $61.85 |
| Upper Range (P75) | $164,672 | $79.16 |
| Top Earners (P90) | $199,408 | $95.87 |
Median Salary Position
4.11% below the national average
2026 Salary Percentile Distribution in Sanford
In Sanford, FL, the actuary salary spread from the 10th to 90th percentile is $122,799 (2026 est.). At $128,650, the local median is 4.11% below the national median of $134,160.
Salary Calculator
At 40 hours/week in Sanford: You'd be in the lower-middle range
How Sanford Actuary Pay Compares
Sanford median: $128,650/year (2026)
| Compared To | Median Salary | Sanford Pays |
|---|---|---|
| Florida Average | $129,688 | -0.80% less |
| National Average | $134,160 | -4.11% less |
Actuarys in Sanford, FL earn a median of $128,650 per year (2026 est.), which is 4.11% lower than the national median of $134,160 and 0.80% below the Florida state average of $129,688.
Cost-of-Living Adjusted Salary
Sanford has a cost of living 0.80% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Sanford, FL has a cost-of-living index of 100.8 (above the national average of 100). While the nominal salary of $128,650 is competitive, the higher cost of living reduces purchasing power to an effective $127,629 — a 0.79% reduction.
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2019 BLS Actual
$103,900
2025 BLS Actual
$124,661
2026 Current Est.
$128,650
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in Sanford (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $103,900 | Actual |
| 2020 | $106,470 | Actual |
| 2021 | $101,551 | Actual |
| 2022 | $109,309 | Actual |
| 2023 | $115,072 | Actual |
| 2024 | $120,077 | Actual |
| 2025 | $124,661 | Actual |
| 2026(current) | $128,650 | Estimated |
| 2027 | $132,767 | Projected |
Based on 7 years of BLS OEWS data for the Sanford metropolitan area, the median actuary salary grew 20.0% from $103,900 (2019) to $124,661 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $132,767 by 2027 — a total increase of $28,867 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Sanford 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) | $76,609 – $95,239 |
| 3-5 years (Mid Career) | $95,239 – $128,650 |
| 5+ years (Experienced) | $128,650 – $164,672 |
| 10+ years (Top Earner) | $164,672 – $199,408 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in Sanford
The job market in Sanford is relatively tight, with only 16 actuaries currently employed in the region, which can affect potential salary increases. The cost-of-living index stands slightly above the national average at 100.8, influencing the real purchasing power of these salaries. Employers in Sanford include major players from various sectors, such as Prudential and MetLife in life insurance, and UnitedHealth and Cigna in health coverage. The salary differential can be attributed to several factors, including the progression of actuarial exams, which often translate into notable pay increases with each passed exam. To maximize earnings, actuaries should prioritize obtaining their FSA credentials and seek roles in high-demand areas such as property & casualty reinsurance or consulting where compensation tends to be the highest.
More salary data for Sanford, 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 $124,661 for actuariesin the Sanford 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 Sanford 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