Actuary Salary in Hopkinsville, KY: $104,788 (2026)
Quick Answer:A full-time actuary in Hopkinsville, KY earns a median $104,788/year (≈ $50.38/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in Hopkinsville's price level (11% below national, BEA RPP 89.3), that paycheck buys what $117,344 would nationally. Nominal pay sits 2.6% below the Kentucky state average.
Based on BLS state-level estimates · View source
In Hopkinsville, KY, actuaries can expect a projected median annual salary of $104,788 for 2026. This figure falls significantly below the national median of $134,160, reflecting local market dynamics and cost considerations, with salaries ranging from $62,159 at the 10th percentile to a peak of $162,421 at the 90th percentile. These estimates are derived from 2025 BLS data, adjusted for regional price variances, and indicate a market that offers both opportunities and challenges for aspiring professionals. With six actuaries currently employed in the area, the job market remains competitive, particularly for those entering the field or seeking to advance their careers.
About the Hopkinsville Market
Salary estimated from Kentucky average ($108,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $62,159 | $29.89 |
| Lower Range (P25) | $76,834 | $36.94 |
| Median (P50)(typical) | $104,788 | $50.38 |
| Upper Range (P75) | $134,129 | $64.49 |
| Top Earners (P90) | $162,421 | $78.09 |
Median Salary Position
21.89% below the national average
2026 Salary Percentile Distribution in Hopkinsville
In Hopkinsville, KY, the actuary salary spread from the 10th to 90th percentile is $100,262 (2026 est.). At $104,788, the local median is 21.89% below the national median of $134,160.
Salary Calculator
At 40 hours/week in Hopkinsville: You'd be in the lower-middle range
How Hopkinsville Actuary Pay Compares
Hopkinsville median: $104,788/year (2026)
| Compared To | Median Salary | Hopkinsville Pays |
|---|---|---|
| Kentucky Average | $107,585 | -2.60% less |
| National Average | $134,160 | -21.89% less |
Actuarys in Hopkinsville, KY earn a median of $104,788 per year (2026 est.), which is 21.89% lower than the national median of $134,160 and 2.60% below the Kentucky state average of $107,585.
Cost-of-Living Adjusted Salary
Hopkinsville 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.
Hopkinsville, KY has a cost-of-living index of 89.3 (below the national average of 100). A actuary earning $104,788 nominally has purchasing power equivalent to $117,344 in an average-cost city — an effective 11.98% boost.
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2019 BLS Actual
$84,629
2025 BLS Actual
$101,539
2026 Current Est.
$104,788
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in Hopkinsville (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $84,629 | Actual |
| 2020 | $86,722 | Actual |
| 2021 | $82,715 | Actual |
| 2022 | $89,034 | Actual |
| 2023 | $93,728 | Actual |
| 2024 | $93,981 | Actual |
| 2025 | $101,539 | Actual |
| 2026(current) | $104,788 | Estimated |
| 2027 | $108,141 | Projected |
Based on 7 years of BLS OEWS data for the Hopkinsville metropolitan area, the median actuary salary grew 20.0% from $84,629 (2019) to $101,539 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $108,141 by 2027 — a total increase of $23,512 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Hopkinsville 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) | $62,159 – $76,834 |
| 3-5 years (Mid Career) | $76,834 – $104,788 |
| 5+ years (Experienced) | $104,788 – $134,129 |
| 10+ years (Top Earner) | $134,129 – $162,421 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in Hopkinsville
For those considering a career as an actuary in Hopkinsville, understanding the local employment landscape and cost of living is essential. The cost-of-living index for the city sits at 89.3, which means that purchasing power can be significantly enhanced despite the lower salary range. To maximize earnings in this environment, actuaries should focus on obtaining higher-level credentials such as the FSA or FCAS, which can substantially increase compensation. Employers in the life insurance sector like Prudential and MetLife generally offer higher pay, while consulting firms may also present lucrative opportunities. Proficiency in predictive analytics and a strong record of exam progression will be crucial, as each passed exam can result in a pay increase, demonstrating the importance of continuous professional development in this market.
More salary data for Hopkinsville, 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 $101,539 for actuariesin the Hopkinsville 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 Hopkinsville 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