Actuary Salary in O'Fallon, MO: $120,143 (2026)
Quick Answer:A full-time actuary in O'Fallon, MO earns a median $120,143/year (≈ $57.76/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in O'Fallon's price level (10% below national, BEA RPP 89.6), that paycheck buys what $134,088 would nationally. Nominal pay sits 0.1% below the Missouri state average.
Based on BLS state-level estimates · View source
In O'Fallon, Missouri, actuaries earn a **2026** median annual salary of **$120,143**, reflecting the evolving dynamics of the local labor market. Salary ranges are quite broad, spanning from **$70,083** at the 10th percentile to **$186,222** at the 90th percentile, showcasing the diverse specialties within the profession, including SOA tracks focusing on life, health, and pension versus the CAS emphasis on property and casualty. These figures, derived from 2025 BLS data and adjusted for regional price parities, indicate that while local compensation is slightly behind the national average of **$134,160**, O'Fallon's market still offers promising prospects for growth amid a modest growth rate of **3.20%** anticipated over the next five years.
About the O'Fallon Market
Salary estimated from Missouri average ($118,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $70,083 | $33.69 |
| Lower Range (P25) | $87,476 | $42.05 |
| Median (P50)(typical) | $120,143 | $57.76 |
| Upper Range (P75) | $153,783 | $73.93 |
| Top Earners (P90) | $186,222 | $89.53 |
Median Salary Position
10.45% below the national average
2026 Salary Percentile Distribution in O'Fallon
In O'Fallon, MO, the actuary salary spread from the 10th to 90th percentile is $116,139 (2026 est.). At $120,143, the local median is 10.45% below the national median of $134,160.
Salary Calculator
At 40 hours/week in O'Fallon: You'd be in the lower-middle range
How O'Fallon Actuary Pay Compares
O'Fallon median: $120,143/year (2026)
| Compared To | Median Salary | O'Fallon Pays |
|---|---|---|
| Missouri Average | $120,264 | -0.10% less |
| National Average | $134,160 | -10.45% less |
Actuarys in O'Fallon, MO earn a median of $120,143 per year (2026 est.), which is 10.45% lower than the national median of $134,160 and 0.10% below the Missouri state average of $120,264.
Cost-of-Living Adjusted Salary
O'Fallon has a cost of living 10.40% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
O'Fallon, MO has a cost-of-living index of 89.6 (below the national average of 100). A actuary earning $120,143 nominally has purchasing power equivalent to $134,088 in an average-cost city — an effective 11.61% boost.
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2019 BLS Actual
$97,030
2025 BLS Actual
$116,418
2026 Current Est.
$120,143
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in O'Fallon (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $97,030 | Actual |
| 2020 | $99,430 | Actual |
| 2021 | $94,836 | Actual |
| 2022 | $102,081 | Actual |
| 2023 | $107,463 | Actual |
| 2024 | $105,671 | Actual |
| 2025 | $116,418 | Actual |
| 2026(current) | $120,143 | Estimated |
| 2027 | $123,988 | Projected |
Based on 7 years of BLS OEWS data for the O'Fallon metropolitan area, the median actuary salary grew 20.0% from $97,030 (2019) to $116,418 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $123,988 by 2027 — a total increase of $26,958 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the O'Fallon 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) | $70,083 – $87,476 |
| 3-5 years (Mid Career) | $87,476 – $120,143 |
| 5+ years (Experienced) | $120,143 – $153,783 |
| 10+ years (Top Earner) | $153,783 – $186,222 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in O'Fallon
Analysing the job market, about 22 actuaries are currently employed in O'Fallon, suggesting a compact yet stable professional community. The area's cost-of-living index, which stands at **89.6**, implies that actuaries can enjoy a relatively comfortable lifestyle, as salaries may stretch further than in pricier markets. Employers in O'Fallon include major players in health insurance like UnitedHealth and Cigna, alongside robust life insurance companies, which tend to offer higher salaries compared to other sectors. The variance in pay is strongly influenced by factors such as exam progression, with each passed exam adding tangible value to an actuary’s pay, along with the credential level achieved. Actuaries can optimize their earnings by targeting firms known for high compensation packages, particularly in consulting, where advanced qualifications like FSA or FCAS particularly enhance pay prospects. Building skills in data science can also provide a competitive edge in this increasingly analytical field, essential for both reinsurance and consultancy roles.
More salary data for O'Fallon, MO:
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 $116,418 for actuariesin the O'Fallon 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 O'Fallon 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