Actuary Salary in St. Charles, MO: $121,552 (2026)
Quick Answer:A full-time actuary in St. Charles, MO earns a median $121,552/year (≈ $58.44/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in St. Charles's price level (10% below national, BEA RPP 89.6), that paycheck buys what $135,661 would nationally. Nominal pay sits 1.1% above the Missouri state average.
Based on BLS state-level estimates · View source
In St. Charles, Missouri, the actuarial profession presents competitive earning potential, with a median annual salary projected at $121,552 for 2026. This figure is slightly below the national median of $134,160, indicating a pay gradient often found in consulting versus insurance roles. The salary range in the area showcases the breadth of opportunities, from a lower bound of $73,207 to an upper limit of $188,406. Local salary estimates, derived from 2025 BLS data and adjusted for regional cost factors, highlight the financial benefits of pursuing advanced credentials in this field. Notably, the job market for actuaries in this city displays promising dynamics, with a clear advantage for professionals who advance through the exam ladder and secure fellow designations.
About the St. Charles Market
Salary estimated from Missouri average ($118,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $73,207 | $35.19 |
| Lower Range (P25) | $90,230 | $43.37 |
| Median (P50)(typical) | $121,552 | $58.44 |
| Upper Range (P75) | $155,586 | $74.80 |
| Top Earners (P90) | $188,406 | $90.58 |
Median Salary Position
9.4% below the national average
2026 Salary Percentile Distribution in St. Charles
In St. Charles, MO, the actuary salary spread from the 10th to 90th percentile is $115,199 (2026 est.). At $121,552, the local median is 9.4% below the national median of $134,160.
Salary Calculator
At 40 hours/week in St. Charles: You'd be in the lower-middle range
How St. Charles Actuary Pay Compares
St. Charles median: $121,552/year (2026)
| Compared To | Median Salary | St. Charles Pays |
|---|---|---|
| Missouri Average | $120,230 | +1.10% more |
| National Average | $134,160 | -9.40% less |
Actuarys in St. Charles, MO earn a median of $121,552 per year (2026 est.), which is 9.40% lower than the national median of $134,160 and 1.10% above the Missouri state average of $120,230.
Cost-of-Living Adjusted Salary
St. Charles 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.
St. Charles, MO has a cost-of-living index of 89.6 (below the national average of 100). A actuary earning $121,552 nominally has purchasing power equivalent to $135,661 in an average-cost city — an effective 11.61% boost.
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2019 BLS Actual
$98,168
2025 BLS Actual
$117,783
2026 Current Est.
$121,552
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in St. Charles (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $98,168 | Actual |
| 2020 | $100,596 | Actual |
| 2021 | $95,948 | Actual |
| 2022 | $103,278 | Actual |
| 2023 | $108,723 | Actual |
| 2024 | $106,911 | Actual |
| 2025 | $117,783 | Actual |
| 2026(current) | $121,552 | Estimated |
| 2027 | $125,442 | Projected |
Based on 7 years of BLS OEWS data for the St. Charles metropolitan area, the median actuary salary grew 20.0% from $98,168 (2019) to $117,783 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $125,442 by 2027 — a total increase of $27,274 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the St. Charles 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) | $73,207 – $90,230 |
| 3-5 years (Mid Career) | $90,230 – $121,552 |
| 5+ years (Experienced) | $121,552 – $155,586 |
| 10+ years (Top Earner) | $155,586 – $188,406 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in St. Charles
The current market in St. Charles has 16 actuaries, suggesting a concentrated but professional-focused environment. With a cost of living index standing at 89.6, individuals in this area enjoy enhanced purchasing power, making the actuarial pay in St. Charles attractive relative to local expenses. Employers range from life insurance giants like Prudential and MetLife to health care companies such as Cigna and UnitedHealth. Those working for consulting firms, particularly Milliman and WTW, are likely to see higher compensation driven by the demand for FSAs and specialized skills in predictive analytics. The disparity in salaries is significantly influenced by factors like exam progression, with each passed examination acting as a direct pathway toward increased compensation. Understanding the specific dynamics of St. Charles's market—with a focus on high-impact firms and credential acquisition—is essential for actuaries seeking to maximize their income in this region.
More salary data for St. Charles, 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 $117,783 for actuariesin the St. Charles 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 St. Charles 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