Actuary Salary in Smyrna, TN: $124,488 (2026)
Quick Answer:A full-time actuary in Smyrna, TN earns a median $124,488/year (≈ $59.85/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in Smyrna's price level (8% below national, BEA RPP 91.8), that paycheck buys what $135,608 would nationally. Nominal pay sits 1.1% above the Tennessee state average.
Based on BLS state-level estimates · View source
In 2026, the actuarial profession in Smyrna, Tennessee, is projected to offer a median annual salary of $124,488, which is approximately 7.21% lower than the national median of $134,160. Actuaries in this area can expect salaries to range from $74,896 at the 10th percentile to $192,956 at the 90th percentile. These salary estimates are derived from BLS state-level data, adjusted for regional cost considerations, which reflect Smyrna's relatively lower cost of living index of 91.8. The dynamic between life, health, and pension versus property and casualty specialties contributes to the varied income levels seen in the local market, influencing both employment opportunities and salary expectations.
About the Smyrna Market
Salary estimated from Tennessee average ($115,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $74,896 | $36.01 |
| Lower Range (P25) | $92,350 | $44.40 |
| Median (P50)(typical) | $124,488 | $59.85 |
| Upper Range (P75) | $159,345 | $76.61 |
| Top Earners (P90) | $192,956 | $92.77 |
Median Salary Position
7.21% below the national average
2026 Salary Percentile Distribution in Smyrna
In Smyrna, TN, the actuary salary spread from the 10th to 90th percentile is $118,060 (2026 est.). At $124,488, the local median is 7.21% below the national median of $134,160.
Salary Calculator
At 40 hours/week in Smyrna: You'd be in the lower-middle range
How Smyrna Actuary Pay Compares
Smyrna median: $124,488/year (2026)
| Compared To | Median Salary | Smyrna Pays |
|---|---|---|
| Tennessee Average | $123,134 | +1.10% more |
| National Average | $134,160 | -7.21% less |
Actuarys in Smyrna, TN earn a median of $124,488 per year (2026 est.), which is 7.21% lower than the national median of $134,160 and 1.10% above the Tennessee state average of $123,134.
Cost-of-Living Adjusted Salary
Smyrna has a cost of living 8.20% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Smyrna, TN has a cost-of-living index of 91.8 (below the national average of 100). A actuary earning $124,488 nominally has purchasing power equivalent to $135,608 in an average-cost city — an effective 8.93% boost.
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2019 BLS Actual
$100,539
2025 BLS Actual
$120,628
2026 Current Est.
$124,488
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in Smyrna (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $100,539 | Actual |
| 2020 | $103,026 | Actual |
| 2021 | $98,265 | Actual |
| 2022 | $105,772 | Actual |
| 2023 | $111,349 | Actual |
| 2024 | $106,709 | Actual |
| 2025 | $120,628 | Actual |
| 2026(current) | $124,488 | Estimated |
| 2027 | $128,472 | Projected |
Based on 7 years of BLS OEWS data for the Smyrna metropolitan area, the median actuary salary grew 20.0% from $100,539 (2019) to $120,628 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $128,472 by 2027 — a total increase of $27,933 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Smyrna 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) | $74,896 – $92,350 |
| 3-5 years (Mid Career) | $92,350 – $124,488 |
| 5+ years (Experienced) | $124,488 – $159,345 |
| 10+ years (Top Earner) | $159,345 – $192,956 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in Smyrna
The job market in Smyrna includes a small but significant group of 12 actuaries, with potential employers across various sectors such as life and health insurance, which are typically among higher-paying opportunities. The area's cost of living leads to a favorable purchasing power for local professionals, despite lower average salaries compared to national figures. Salary differences in Smyrna can be attributed to several factors, including exam progression, where advancements in credentials—such as moving from ASA to FSA—can substantially increase pay. Additionally, actuaries with specialized skills in predictive analytics may command higher wages. For those seeking to enhance their actuarial pay in Smyrna TN, it's advisable to focus on obtaining further qualifications and considering roles within consulting firms known for higher compensation structures.
More salary data for Smyrna, TN:
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 $120,628 for actuariesin the Smyrna 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 Smyrna 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