Actuary Salary in Elizabethtown, KY: $105,089 (2026)
Quick Answer:A full-time actuary in Elizabethtown, KY earns a median $105,089/year (≈ $50.53/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in Elizabethtown's price level (11% below national, BEA RPP 89.3), that paycheck buys what $117,681 would nationally. Nominal pay sits 2.3% below the Kentucky state average.
Based on BLS state-level estimates · View source
In 2026, actuaries in Elizabethtown, Kentucky, can expect a median annual salary of $105,089. This figure highlights a significant discrepancy compared to the national median of $134,160, reflecting a 21.67% difference. Salaries for actuaries in the area range from $62,726 at the 10th percentile to $162,888 at the 90th percentile, making for an intriguing portrait of earning potential locally. These estimates derive from 2025 BLS data, adjusted for regional cost considerations, emphasizing the local market's dynamics for actuaries as five professionals are currently employed in this city. With a growing demand for competency in analytics and risk management, those entering the field might find ample opportunities to advance their careers in Elizabethtown.
About the Elizabethtown Market
Salary estimated from Kentucky average ($108,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $62,726 | $30.16 |
| Lower Range (P25) | $77,424 | $37.22 |
| Median (P50)(typical) | $105,089 | $50.53 |
| Upper Range (P75) | $132,779 | $63.84 |
| Top Earners (P90) | $162,888 | $78.31 |
Median Salary Position
21.67% below the national average
2026 Salary Percentile Distribution in Elizabethtown
In Elizabethtown, KY, the actuary salary spread from the 10th to 90th percentile is $100,162 (2026 est.). At $105,089, the local median is 21.67% below the national median of $134,160.
Salary Calculator
At 40 hours/week in Elizabethtown: You'd be in the lower-middle range
How Elizabethtown Actuary Pay Compares
Elizabethtown median: $105,089/year (2026)
| Compared To | Median Salary | Elizabethtown Pays |
|---|---|---|
| Kentucky Average | $107,562 | -2.30% less |
| National Average | $134,160 | -21.67% less |
Actuarys in Elizabethtown, KY earn a median of $105,089 per year (2026 est.), which is 21.67% lower than the national median of $134,160 and 2.30% below the Kentucky state average of $107,562.
Cost-of-Living Adjusted Salary
Elizabethtown has a cost of living 10.70% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Elizabethtown, KY has a cost-of-living index of 89.3 (below the national average of 100). A actuary earning $105,089 nominally has purchasing power equivalent to $117,681 in an average-cost city — an effective 11.98% boost.
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2019 BLS Actual
$84,871
2025 BLS Actual
$101,830
2026 Current Est.
$105,089
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in Elizabethtown (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $84,871 | Actual |
| 2020 | $86,971 | Actual |
| 2021 | $82,952 | Actual |
| 2022 | $89,289 | Actual |
| 2023 | $93,997 | Actual |
| 2024 | $94,250 | Actual |
| 2025 | $101,830 | Actual |
| 2026(current) | $105,089 | Estimated |
| 2027 | $108,451 | Projected |
Based on 7 years of BLS OEWS data for the Elizabethtown metropolitan area, the median actuary salary grew 20.0% from $84,871 (2019) to $101,830 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $108,451 by 2027 — a total increase of $23,580 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Elizabethtown 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) | $62,726 – $77,424 |
| 3-5 years (Mid Career) | $77,424 – $105,089 |
| 5+ years (Experienced) | $105,089 – $132,779 |
| 10+ years (Top Earner) | $132,779 – $162,888 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in Elizabethtown
Despite the promising median salary, the cost of living in Elizabethtown, measured with an index of 89.3, suggests that purchasing power may be somewhat limited compared to the national average. Actuaries working for insurance companies such as Prudential or Cigna tend to have higher compensation packages, particularly for those who have progressed through their exams and hold credentials like ASA or FSA. The range in salaries can be influenced significantly by factors such as the number of passed exams—where each exam completion often brings an increase of $3,000 to $8,000 in salary. By specializing in in-demand areas like predictive analytics, actuaries can further enhance their marketability and potential earnings. Understanding local employer expectations and continuing to pursue professional development will be key strategies for anyone looking to maximize their actuary salary in Elizabethtown, KY.
More salary data for Elizabethtown, KY:
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 $101,830 for actuariesin the Elizabethtown 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 Elizabethtown 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