Actuary Salary in Waldorf, MD: $147,116 (2026)
Quick Answer:A full-time actuary in Waldorf, MD earns a median $147,116/year (≈ $70.73/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in Waldorf's price level (9% above national, BEA RPP 109.3), that paycheck buys what $134,598 would nationally. Nominal pay sits 0.3% above the Maryland state average.
Based on BLS state-level estimates · View source
In Waldorf, Maryland, actuaries can expect to earn a competitive median annual salary of $147,116 in 2026, which reflects a significant increase compared to the national figure of $134,160. The salary range for actuaries in the area varies greatly, spanning from $86,721 at the 10th percentile to $228,030 at the 90th percentile, showcasing the potential for substantial compensation based on experience and specialization. These salary estimates are informed by 2025 BLS data and adjusted for local costs, providing a clear picture for professionals considering their options. With the local market consisting of various specialties, including positions in life, health, pension, and property & casualty, the job opportunities for actuaries in Waldorf reflect a mix of stability and growth potential.
About the Waldorf Market
Salary estimated from Maryland average ($130,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $86,721 | $41.69 |
| Lower Range (P25) | $107,793 | $51.83 |
| Median (P50)(typical) | $147,116 | $70.73 |
| Upper Range (P75) | $188,308 | $90.54 |
| Top Earners (P90) | $228,030 | $109.63 |
Median Salary Position
9.66% above the national average
2026 Salary Percentile Distribution in Waldorf
In Waldorf, MD, the actuary salary spread from the 10th to 90th percentile is $141,309 (2026 est.). At $147,116, the local median is 9.66% above the national median of $134,160.
Salary Calculator
At 40 hours/week in Waldorf: You'd be in the lower-middle range
How Waldorf Actuary Pay Compares
Waldorf median: $147,116/year (2026)
| Compared To | Median Salary | Waldorf Pays |
|---|---|---|
| Maryland Average | $146,676 | +0.30% more |
| National Average | $134,160 | +9.66% more |
Actuarys in Waldorf, MD earn a median of $147,116 per year (2026 est.), which is 9.66% higher than the national median of $134,160 and 0.30% above the Maryland state average of $146,676.
Cost-of-Living Adjusted Salary
Waldorf has a cost of living 9.30% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Waldorf, MD has a cost-of-living index of 109.3 (above the national average of 100). While the nominal salary of $147,116 is competitive, the higher cost of living reduces purchasing power to an effective $134,598 — a 8.51% reduction.
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2019 BLS Actual
$118,813
2025 BLS Actual
$142,554
2026 Current Est.
$147,116
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in Waldorf (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $118,813 | Actual |
| 2020 | $121,752 | Actual |
| 2021 | $116,127 | Actual |
| 2022 | $124,998 | Actual |
| 2023 | $131,588 | Actual |
| 2024 | $142,554 | Actual |
| 2025 | $142,554 | Actual |
| 2026(current) | $147,116 | Estimated |
| 2027 | $151,823 | Projected |
Based on 7 years of BLS OEWS data for the Waldorf metropolitan area, the median actuary salary grew 20.0% from $118,813 (2019) to $142,554 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $151,823 by 2027 — a total increase of $33,010 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Waldorf 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) | $86,721 – $107,793 |
| 3-5 years (Mid Career) | $107,793 – $147,116 |
| 5+ years (Experienced) | $147,116 – $188,308 |
| 10+ years (Top Earner) | $188,308 – $228,030 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in Waldorf
As of the latest data, there are currently 15 actuaries employed in Waldorf, indicating a niche but solid job market. The cost of living in the city is indexed at 109.3, slightly above the national average, which moderates the overall take-home purchasing power. Notable employers in the area include Prudential and MetLife in the life insurance sector, while consulting firms like Aon and Mercer often provide higher compensation packages for credentialed FSAs and FCAS designations. The variance in actuary pay in Waldorf largely stems from several factors: exam progression—where each passed exam typically translates to an increase of $3,000 to $8,000 in salary—credential levels, specialty focus, and potential signing bonuses for newly credentialed professionals. To maximize earnings in this market, aspiring actuaries should prioritize acquiring relevant exams and consult with established firms to negotiate competitive offers, particularly in specialties that demand predictive analytics and data science skills.
More salary data for Waldorf, MD:
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 $142,554 for actuariesin the Waldorf 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 Waldorf 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