Actuary Salary in Baytown, TX: $128,143 (2026)
Quick Answer:A full-time actuary in Baytown, TX earns a median $128,143/year (≈ $61.61/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in Baytown's price level (4% below national, BEA RPP 96.0), that paycheck buys what $133,482 would nationally. Nominal pay sits 0.5% below the Texas state average.
Based on BLS state-level estimates · View source
Actuaries in Baytown, Texas, can expect a robust median annual salary of $128,143 in 2026, which reflects a slight decrease compared to the national median of $134,160. With salaries ranging from $74,324 at the 10th percentile to $198,623 at the 90th percentile, the potential for growth in actuary compensation is significant. These figures are derived from 2025 BLS Occupational Employment Statistics data, projected to 2026, and adjusted for regional cost differences. This projection highlights Baytown's developing market for actuaries, where the payoff often hinges on the completion of professional exams and accumulated credentials.
About the Baytown Market
Salary estimated from Texas average ($128,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $74,324 | $35.73 |
| Lower Range (P25) | $92,600 | $44.52 |
| Median (P50)(typical) | $128,143 | $61.61 |
| Upper Range (P75) | $164,024 | $78.86 |
| Top Earners (P90) | $198,623 | $95.49 |
Median Salary Position
4.48% below the national average
2026 Salary Percentile Distribution in Baytown
In Baytown, TX, the actuary salary spread from the 10th to 90th percentile is $124,299 (2026 est.). At $128,143, the local median is 4.48% below the national median of $134,160.
Salary Calculator
At 40 hours/week in Baytown: You'd be in the lower-middle range
How Baytown Actuary Pay Compares
Baytown median: $128,143/year (2026)
| Compared To | Median Salary | Baytown Pays |
|---|---|---|
| Texas Average | $128,787 | -0.50% less |
| National Average | $134,160 | -4.48% less |
Actuarys in Baytown, TX earn a median of $128,143 per year (2026 est.), which is 4.48% lower than the national median of $134,160 and 0.50% below the Texas state average of $128,787.
Cost-of-Living Adjusted Salary
Baytown has a cost of living 4.00% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Baytown, TX has a cost-of-living index of 96 (below the national average of 100). A actuary earning $128,143 nominally has purchasing power equivalent to $133,482 in an average-cost city — an effective 4.17% boost.
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2019 BLS Actual
$103,491
2025 BLS Actual
$124,170
2026 Current Est.
$128,143
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in Baytown (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $103,491 | Actual |
| 2020 | $106,051 | Actual |
| 2021 | $101,151 | Actual |
| 2022 | $108,878 | Actual |
| 2023 | $114,618 | Actual |
| 2024 | $122,259 | Actual |
| 2025 | $124,170 | Actual |
| 2026(current) | $128,143 | Estimated |
| 2027 | $132,244 | Projected |
Based on 7 years of BLS OEWS data for the Baytown metropolitan area, the median actuary salary grew 20.0% from $103,491 (2019) to $124,170 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $132,244 by 2027 — a total increase of $28,753 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Baytown 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) | $74,324 – $92,600 |
| 3-5 years (Mid Career) | $92,600 – $128,143 |
| 5+ years (Experienced) | $128,143 – $164,024 |
| 10+ years (Top Earner) | $164,024 – $198,623 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in Baytown
With only 16 actuaries currently employed in Baytown, the market is relatively small, but this does not undermine the value of its actuary salary offerings. The cost of living index stands at 96, indicating that living expenses are lower than the national average, which translates to enhanced purchasing power for Baytown's actuaries. Prominent employers, such as Prudential and UnitedHealth, lead in providing competitive salaries, particularly for those who progress through their exams efficiently. The compensation trajectory varies based on exam progression; each successive exam passed typically yields an increase of $3,000 to $8,000 in base salary. For aspiring actuaries looking to maximize their pay in Baytown TX, focusing on consulting firms like Milliman and Mercer can be advantageous. Building expertise in specialty markets such as property and casualty insurance or harnessing predictive analytics skills can further elevate earning potential in this evolving domain.
More salary data for Baytown, TX:
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 $124,170 for actuariesin the Baytown 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 Baytown 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