Actuary Salary in Paducah, KY: $102,209 (2026)
Quick Answer:A full-time actuary in Paducah, KY earns a median $102,209/year (≈ $49.14/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in Paducah's price level (11% below national, BEA RPP 89.3), that paycheck buys what $114,456 would nationally. Nominal pay sits 5.0% below the Kentucky state average.
Based on BLS state-level estimates · View source
In 2026, actuary salary in Paducah, KY, reaches a median of $102,209, reflecting a competitive yet nuanced local market for actuarial professionals. The estimated salary range stretches from $64,891 at the 10th percentile to $158,424 at the 90th percentile, showcasing the diverse opportunities based on experience and credentials. These figures, derived from 2025 BLS OEWS data and adjusted for regional cost of living, reveal how much do actuaries make in Paducah relative to the national median, which is $134,160. With ongoing demand for actuaries, especially in sectors like insurance and consulting, Paducah presents an evolving job market for those pursuing actuarial careers.
About the Paducah Market
Salary estimated from Kentucky average ($108,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $64,891 | $31.20 |
| Lower Range (P25) | $78,091 | $37.54 |
| Median (P50)(typical) | $102,209 | $49.14 |
| Upper Range (P75) | $130,828 | $62.90 |
| Top Earners (P90) | $158,424 | $76.16 |
Median Salary Position
23.82% below the national average
2026 Salary Percentile Distribution in Paducah
In Paducah, KY, the actuary salary spread from the 10th to 90th percentile is $93,533 (2026 est.). At $102,209, the local median is 23.82% below the national median of $134,160.
Salary Calculator
At 40 hours/week in Paducah: You'd be in the lower-middle range
How Paducah Actuary Pay Compares
Paducah median: $102,209/year (2026)
| Compared To | Median Salary | Paducah Pays |
|---|---|---|
| Kentucky Average | $107,589 | -5.00% less |
| National Average | $134,160 | -23.82% less |
Actuarys in Paducah, KY earn a median of $102,209 per year (2026 est.), which is 23.82% lower than the national median of $134,160 and 5.00% below the Kentucky state average of $107,589.
Cost-of-Living Adjusted Salary
Paducah 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.
Paducah, KY has a cost-of-living index of 89.3 (below the national average of 100). A actuary earning $102,209 nominally has purchasing power equivalent to $114,456 in an average-cost city — an effective 11.98% boost.
Compare Purchasing Power
Select a city to see how your salary compares after cost of living
Select a city above to compare purchasing power
2019 BLS Actual
$82,546
2025 BLS Actual
$99,040
2026 Current Est.
$102,209
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in Paducah (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $82,546 | Actual |
| 2020 | $84,588 | Actual |
| 2021 | $80,680 | Actual |
| 2022 | $86,843 | Actual |
| 2023 | $91,422 | Actual |
| 2024 | $91,668 | Actual |
| 2025 | $99,040 | Actual |
| 2026(current) | $102,209 | Estimated |
| 2027 | $105,480 | Projected |
Based on 7 years of BLS OEWS data for the Paducah metropolitan area, the median actuary salary grew 20.0% from $82,546 (2019) to $99,040 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $105,480 by 2027 — a total increase of $22,934 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Paducah 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) | $64,891 – $78,091 |
| 3-5 years (Mid Career) | $78,091 – $102,209 |
| 5+ years (Experienced) | $102,209 – $130,828 |
| 10+ years (Top Earner) | $130,828 – $158,424 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in Paducah
With only six actuaries currently employed in Paducah, the local market reflects certain dynamics that impact earning potential. The cost of living index in the area stands at 89.3, indicating that residents enjoy a relatively favorable cost structure that enhances take-home pay. Employers in Paducah, especially within health insurance and consulting firms, tend to offer competitive salaries. Notably, advanced credentials, such as those of FSA and FCAS, can significantly boost earnings, particularly when passing exams corresponds to annual salary increments that approximate $3,000 to $8,000 for each completed milestone. Strategies for maximizing pay in this market include focusing on the most lucrative industries and obtaining relevant advanced skills, such as in predictive analytics or data science, to stay competitive and advance within the actuarial profession.
More salary data for Paducah, KY:
Frequently Asked Questions
How much do actuaries make in Paducah, KY in 2026?
Is Paducah, KY a good place to work as a actuary?
Can actuaries make $100K in Paducah?
What is the cost-of-living adjusted actuary salary in Paducah?
How much does a actuary make per hour in Paducah?
Related Pages
Compare Salaries
Career Resources
Nearby Cities in Kentucky
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 $99,040 for actuariesin the Paducah 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 Paducah 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