Actuary Salary in Haverhill, MA: $146,004 (2026)
Quick Answer:A full-time actuary in Haverhill, MA earns a median $146,004/year (≈ $70.20/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in Haverhill's price level (9% above national, BEA RPP 108.5), that paycheck buys what $134,566 would nationally. Nominal pay sits 0.3% above the Massachusetts state average.
Based on BLS state-level estimates · View source
In Haverhill, Massachusetts, actuaries are projected to earn a median annual salary of $146,004 in 2026, reflecting a competitive position relative to the national median of $134,160, resulting in a notable positive difference of 8.83%. Salary estimates vary significantly, with figures ranging from $85,411 at the 10th percentile to $226,306 at the 90th percentile. These local estimates, derived from state-level BLS data and adjusted for regional cost variations, highlight the financial rewards available to professionals in this field. Notably, consulting firms such as Milliman, Mercer, and WTW often provide higher compensation opportunities compared to traditional insurance roles, particularly at the Fellowship level within the Society of Actuaries (SOA) or the Casualty Actuarial Society (CAS), thereby influencing the earning potential in this city.
About the Haverhill Market
Salary estimated from Massachusetts average ($142,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $85,411 | $41.06 |
| Lower Range (P25) | $106,937 | $51.41 |
| Median (P50)(typical) | $146,004 | $70.20 |
| Upper Range (P75) | $186,886 | $89.85 |
| Top Earners (P90) | $226,306 | $108.80 |
Median Salary Position
8.83% above the national average
2026 Salary Percentile Distribution in Haverhill
In Haverhill, MA, the actuary salary spread from the 10th to 90th percentile is $140,895 (2026 est.). At $146,004, the local median is 8.83% above the national median of $134,160.
Salary Calculator
At 40 hours/week in Haverhill: You'd be in the lower-middle range
How Haverhill Actuary Pay Compares
Haverhill median: $146,004/year (2026)
| Compared To | Median Salary | Haverhill Pays |
|---|---|---|
| Massachusetts Average | $145,568 | +0.30% more |
| National Average | $134,160 | +8.83% more |
Actuarys in Haverhill, MA earn a median of $146,004 per year (2026 est.), which is 8.83% higher than the national median of $134,160 and 0.30% above the Massachusetts state average of $145,568.
Cost-of-Living Adjusted Salary
Haverhill has a cost of living 8.50% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Haverhill, MA has a cost-of-living index of 108.5 (above the national average of 100). While the nominal salary of $146,004 is competitive, the higher cost of living reduces purchasing power to an effective $134,566 — a 7.83% reduction.
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2019 BLS Actual
$117,916
2025 BLS Actual
$141,477
2026 Current Est.
$146,004
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in Haverhill (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $117,916 | Actual |
| 2020 | $120,832 | Actual |
| 2021 | $115,249 | Actual |
| 2022 | $124,054 | Actual |
| 2023 | $130,594 | Actual |
| 2024 | $154,537 | Actual |
| 2025 | $141,477 | Actual |
| 2026(current) | $146,004 | Estimated |
| 2027 | $150,676 | Projected |
Based on 7 years of BLS OEWS data for the Haverhill metropolitan area, the median actuary salary grew 20.0% from $117,916 (2019) to $141,477 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $150,676 by 2027 — a total increase of $32,760 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Haverhill 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) | $85,411 – $106,937 |
| 3-5 years (Mid Career) | $106,937 – $146,004 |
| 5+ years (Experienced) | $146,004 – $186,886 |
| 10+ years (Top Earner) | $186,886 – $226,306 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in Haverhill
A strong local job market is evident, with 16 actuaries currently employed in Haverhill. The cost of living index sits at 108.5, indicating a higher-than-average living expense that slightly impacts take-home pay. Among local employers, life insurance firms like Prudential and MetLife are likely to offer appealing compensation packages, while consulting firms tend to pay higher salaries, particularly for those with Fellowship status. The spread in earnings is driven by various factors, such as progression through exams, the transition from ASA to FSA credentials, and the specialty of the actuarial field. To optimize salary potential in Haverhill, aspiring actuaries should focus on obtaining relevant certifications and developing skills in predictive analytics and data science, which are increasingly sought after in the market. Exploring diverse job opportunities within both the consulting and insurance sectors may also enhance their earning trajectory.
More salary data for Haverhill, MA:
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 $141,477 for actuariesin the Haverhill 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 Haverhill 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