Actuary Salary in Winona, MN: $125,235 (2026)
Quick Answer:A full-time actuary in Winona, MN earns a median $125,235/year (≈ $60.21/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in Winona's price level (1% below national, BEA RPP 98.5), that paycheck buys what $127,142 would nationally. Nominal pay sits 5.2% below the Minnesota state average.
Based on BLS state-level estimates · View source
In 2026, actuaries in Winona, Minnesota are projected to earn a median annual salary of $125,235, which is about 6.65% lower than the national median of $134,160. The salary range for this profession varies significantly, with entry-level positions starting around $78,915 and experienced professionals earning as much as $194,115. These figures reflect local estimates based on BLS state-level data and regional cost adjustments, illustrating both the potential earnings and the market dynamics within the area. Actuaries who specialize in life, health, or pension under the Society of Actuaries (SOA) may find themselves in a different competitive scenario than those in property and casualty markets represented by the Casualty Actuarial Society (CAS). Understanding this context is essential for those navigating their career paths in Winona.
About the Winona Market
Salary estimated from Minnesota average ($128,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $78,915 | $37.94 |
| Lower Range (P25) | $95,245 | $45.79 |
| Median (P50)(typical) | $125,235 | $60.21 |
| Upper Range (P75) | $160,302 | $77.07 |
| Top Earners (P90) | $194,115 | $93.32 |
Median Salary Position
6.65% below the national average
2026 Salary Percentile Distribution in Winona
In Winona, MN, the actuary salary spread from the 10th to 90th percentile is $115,200 (2026 est.). At $125,235, the local median is 6.65% below the national median of $134,160.
Salary Calculator
At 40 hours/week in Winona: You'd be in the lower-middle range
How Winona Actuary Pay Compares
Winona median: $125,235/year (2026)
| Compared To | Median Salary | Winona Pays |
|---|---|---|
| Minnesota Average | $132,105 | -5.20% less |
| National Average | $134,160 | -6.65% less |
Actuarys in Winona, MN earn a median of $125,235 per year (2026 est.), which is 6.65% lower than the national median of $134,160 and 5.20% below the Minnesota state average of $132,105.
Cost-of-Living Adjusted Salary
Winona has a cost of living 1.50% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Winona, MN has a cost-of-living index of 98.5 (below the national average of 100). A actuary earning $125,235 nominally has purchasing power equivalent to $127,142 in an average-cost city — an effective 1.52% boost.
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2019 BLS Actual
$101,142
2025 BLS Actual
$121,352
2026 Current Est.
$125,235
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in Winona (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $101,142 | Actual |
| 2020 | $103,644 | Actual |
| 2021 | $98,855 | Actual |
| 2022 | $106,407 | Actual |
| 2023 | $112,017 | Actual |
| 2024 | $119,485 | Actual |
| 2025 | $121,352 | Actual |
| 2026(current) | $125,235 | Estimated |
| 2027 | $129,243 | Projected |
Based on 7 years of BLS OEWS data for the Winona metropolitan area, the median actuary salary grew 20.0% from $101,142 (2019) to $121,352 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $129,243 by 2027 — a total increase of $28,101 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Winona 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) | $78,915 – $95,245 |
| 3-5 years (Mid Career) | $95,245 – $125,235 |
| 5+ years (Experienced) | $125,235 – $160,302 |
| 10+ years (Top Earner) | $160,302 – $194,115 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in Winona
While only four actuaries are currently employed in Winona, the market still offers promising avenues for compensation growth. The local cost-of-living index sits at 98.5, suggesting that actuaries here may find their purchasing power slightly above the national average, allowing for a reasonable lifestyle. Employers like Prudential and UnitedHealth are known for offering competitive salaries within life and health insurance, whereas property and casualty firms may provide different salary structures. Factors influencing the salary spread include academic credentials, with actuaries progressing through exams and certifications leading to substantial pay increases upon reaching milestones like Associate or Fellow levels. To maximize their actuary pay in Winona, professionals should focus on completing their exams efficiently, consider the market demand for data analytics skills, and remain open to opportunities in consulting, where premium offers for advanced credentials are common.
More salary data for Winona, MN:
Frequently Asked Questions
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Can actuaries make $100K in Winona?
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Related Pages
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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 $121,352 for actuariesin the Winona 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 Winona 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