Actuary Salary in Kahului, HI: $111,617 (2026)
Quick Answer:A full-time actuary in Kahului, HI earns a median $111,617/year (≈ $53.66/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in Kahului's price level (19% above national, BEA RPP 119.3), that paycheck buys what $93,560 would nationally. Nominal pay sits 5.0% below the Hawaii state average.
Based on BLS state-level estimates · View source
In Kahului, HI, actuaries can expect a median annual salary of $111,617 in 2026, which reflects a significant positioning, particularly when compared to the national median of $134,160. The salary range in this local market spans from $70,378 at the 10th percentile to $173,007 at the 90th percentile, providing ample opportunity for growth. These figures are informed by local estimates derived from 2025 BLS data, adjusted for the regional cost of living, which is particularly salient in Hawaii. Actuaries in this region often specialize in life and health insurance through the Society of Actuaries (SOA) or focus on property and casualty with the Casualty Actuarial Society (CAS). Given the choice of specialty, job seekers should consider the differing compensation trends associated with each path, shaping how much do actuaries make in Kahului.
About the Kahului Market
Salary estimated from Hawaii average ($118,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $70,378 | $33.84 |
| Lower Range (P25) | $82,788 | $39.80 |
| Median (P50)(typical) | $111,617 | $53.66 |
| Upper Range (P75) | $142,870 | $68.69 |
| Top Earners (P90) | $173,007 | $83.18 |
Median Salary Position
16.8% below the national average
2026 Salary Percentile Distribution in Kahului
In Kahului, HI, the actuary salary spread from the 10th to 90th percentile is $102,629 (2026 est.). At $111,617, the local median is 16.8% below the national median of $134,160.
Salary Calculator
At 40 hours/week in Kahului: You'd be in the lower-middle range
How Kahului Actuary Pay Compares
Kahului median: $111,617/year (2026)
| Compared To | Median Salary | Kahului Pays |
|---|---|---|
| Hawaii Average | $117,492 | -5.00% less |
| National Average | $134,160 | -16.80% less |
Actuarys in Kahului, HI earn a median of $111,617 per year (2026 est.), which is 16.80% lower than the national median of $134,160 and 5.00% below the Hawaii state average of $117,492.
Cost-of-Living Adjusted Salary
Kahului has a cost of living 19.30% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Kahului, HI has a cost-of-living index of 119.3 (above the national average of 100). While the nominal salary of $111,617 is competitive, the higher cost of living reduces purchasing power to an effective $93,560 — a 16.18% reduction.
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2019 BLS Actual
$90,144
2025 BLS Actual
$108,156
2026 Current Est.
$111,617
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in Kahului (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $90,144 | Actual |
| 2020 | $92,374 | Actual |
| 2021 | $88,106 | Actual |
| 2022 | $94,836 | Actual |
| 2023 | $99,836 | Actual |
| 2024 | $133,792 | Actual |
| 2025 | $108,156 | Actual |
| 2026(current) | $111,617 | Estimated |
| 2027 | $115,189 | Projected |
Based on 7 years of BLS OEWS data for the Kahului metropolitan area, the median actuary salary grew 20.0% from $90,144 (2019) to $108,156 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $115,189 by 2027 — a total increase of $25,045 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Kahului 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) | $70,378 – $82,788 |
| 3-5 years (Mid Career) | $82,788 – $111,617 |
| 5+ years (Experienced) | $111,617 – $142,870 |
| 10+ years (Top Earner) | $142,870 – $173,007 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in Kahului
The job market for actuaries in Kahului is relatively modest, with only five professionals currently employed in the area. This can be interpreted as a niche field with limited competition but also highlights the specialized nature of local expertise. The cost of living index stands at 119.3, which is above the national average, directly affecting take-home pay and purchasing power for individuals in this region. Among local employers, companies like Prudential and UnitedHealth represent the higher payers, especially for qualified actuaries with credentials like ASA or FSA. Salary variations are often influenced by exam progression, where each passed exam translates into pay increases of $3,000 to $8,000. Hence, to optimize their earning potential, actuaries in Kahului should focus on advancing their credentials, honing predictive analytics skills, and considering job offers from consulting firms, where pay scales can significantly exceed those of traditional insurance companies.
More salary data for Kahului, HI:
Frequently Asked Questions
How much do actuaries make in Kahului, HI in 2026?
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Can actuaries make $100K in Kahului?
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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 $108,156 for actuariesin the Kahului 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 Kahului 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