Actuary Salary in Waipahu, HI: $115,080 (2026)
Quick Answer:A full-time actuary in Waipahu, HI earns a median $115,080/year (≈ $55.33/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in Waipahu's price level (19% above national, BEA RPP 119.3), that paycheck buys what $96,463 would nationally. Nominal pay sits 2.0% below the Hawaii state average.
Based on BLS state-level estimates · View source
In 2026, actuaries in Waipahu, Hawaii, are projected to earn a median annual salary of $115,080, which reflects a significant gap of approximately 14.22% below the national median of $134,160 for the same year. This salary range, spanning from $69,328 at the 10th percentile to $178,375 at the 90th percentile, highlights the variability in compensation based on experience and credentials. Local salary estimates from BLS state-level data, paired with regional cost adjustments, show that opportunities in Waipahu may vary significantly depending on whether one is employed by consulting firms like Milliman or Mercer versus traditional insurance companies. Such pay gradients notably influence the earnings potential within the actuarial profession, particularly as actuarial students transition from Associate to Fellow.
About the Waipahu Market
Salary estimated from Hawaii average ($118,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $69,328 | $33.33 |
| Lower Range (P25) | $85,166 | $40.95 |
| Median (P50)(typical) | $115,080 | $55.33 |
| Upper Range (P75) | $145,686 | $70.04 |
| Top Earners (P90) | $178,375 | $85.76 |
Median Salary Position
14.22% below the national average
2026 Salary Percentile Distribution in Waipahu
In Waipahu, HI, the actuary salary spread from the 10th to 90th percentile is $109,047 (2026 est.). At $115,080, the local median is 14.22% below the national median of $134,160.
Salary Calculator
At 40 hours/week in Waipahu: You'd be in the lower-middle range
How Waipahu Actuary Pay Compares
Waipahu median: $115,080/year (2026)
| Compared To | Median Salary | Waipahu Pays |
|---|---|---|
| Hawaii Average | $117,429 | -2.00% less |
| National Average | $134,160 | -14.22% less |
Actuarys in Waipahu, HI earn a median of $115,080 per year (2026 est.), which is 14.22% lower than the national median of $134,160 and 2.00% below the Hawaii state average of $117,429.
Cost-of-Living Adjusted Salary
Waipahu has a cost of living 19.30% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Waipahu, HI has a cost-of-living index of 119.3 (above the national average of 100). While the nominal salary of $115,080 is competitive, the higher cost of living reduces purchasing power to an effective $96,463 — a 16.18% reduction.
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2019 BLS Actual
$92,941
2025 BLS Actual
$111,512
2026 Current Est.
$115,080
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in Waipahu (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $92,941 | Actual |
| 2020 | $95,240 | Actual |
| 2021 | $90,839 | Actual |
| 2022 | $97,779 | Actual |
| 2023 | $102,934 | Actual |
| 2024 | $137,944 | Actual |
| 2025 | $111,512 | Actual |
| 2026(current) | $115,080 | Estimated |
| 2027 | $118,763 | Projected |
Based on 7 years of BLS OEWS data for the Waipahu metropolitan area, the median actuary salary grew 20.0% from $92,941 (2019) to $111,512 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $118,763 by 2027 — a total increase of $25,822 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Waipahu 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) | $69,328 – $85,166 |
| 3-5 years (Mid Career) | $85,166 – $115,080 |
| 5+ years (Experienced) | $115,080 – $145,686 |
| 10+ years (Top Earner) | $145,686 – $178,375 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in Waipahu
The job market in Waipahu for actuaries is relatively limited, with only nine professionals currently employed in this field. However, the cost of living index sits at 119.3, suggesting that while salaries may be lower than the national average, the purchasing power of actuaries is still affected by local economic conditions. Among the different sectors, consulting firms tend to offer the most competitive pay, far exceeding that of health and life insurance companies. This locality trend can drive a range of salaries based on exam progression and credential levels—the move from Associate to Fellow often results in significant pay increases, reflecting the ongoing demand for actuarial expertise in areas like property and casualty reinsurance and advanced analytics. Maximizing earnings in Waipahu may involve pursuing specialized credentials and leveraging advanced skills, particularly in predictive modeling, to command higher salaries.
More salary data for Waipahu, HI:
Frequently Asked Questions
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Can actuaries make $100K in Waipahu?
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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 $111,512 for actuariesin the Waipahu 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 Waipahu 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