Actuary Salary in Fredericksburg, TX: $121,255 (2026)
Quick Answer:A full-time actuary in Fredericksburg, TX earns a median $121,255/year (≈ $58.30/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in Fredericksburg's price level (4% below national, BEA RPP 96.0), that paycheck buys what $126,307 would nationally. Nominal pay sits 5.9% below the Texas state average.
Based on BLS state-level estimates · View source
In the evolving market for dynamic actuarial roles, the anticipated median annual salary for an actuary in Fredericksburg, Texas, is projected at $121,255 for 2026. This figure indicates a competitive positioning relative to the national median of $134,160, suggesting a 9.62% gap. The salary for actuaries in the region varies significantly, with a range between $80,150 at the 10th percentile and $187,945 at the 90th percentile, reflecting variations in specialty, experience, and employer type. These estimates are derived from 2025 BLS data, adjusted for regional economic conditions, demonstrating Fredericksburg's unique market dynamics shaped by local employer demands and specialization trends in the SOA and CAS sectors.
About the Fredericksburg Market
Salary estimated from Texas average ($128,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $80,150 | $38.53 |
| Lower Range (P25) | $94,626 | $45.49 |
| Median (P50)(typical) | $121,255 | $58.30 |
| Upper Range (P75) | $155,207 | $74.61 |
| Top Earners (P90) | $187,945 | $90.36 |
Median Salary Position
9.62% below the national average
2026 Salary Percentile Distribution in Fredericksburg
In Fredericksburg, TX, the actuary salary spread from the 10th to 90th percentile is $107,795 (2026 est.). At $121,255, the local median is 9.62% below the national median of $134,160.
Salary Calculator
At 40 hours/week in Fredericksburg: You'd be in the lower-middle range
How Fredericksburg Actuary Pay Compares
Fredericksburg median: $121,255/year (2026)
| Compared To | Median Salary | Fredericksburg Pays |
|---|---|---|
| Texas Average | $128,857 | -5.90% less |
| National Average | $134,160 | -9.62% less |
Actuarys in Fredericksburg, TX earn a median of $121,255 per year (2026 est.), which is 9.62% lower than the national median of $134,160 and 5.90% below the Texas state average of $128,857.
Cost-of-Living Adjusted Salary
Fredericksburg 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.
Fredericksburg, TX has a cost-of-living index of 96 (below the national average of 100). A actuary earning $121,255 nominally has purchasing power equivalent to $126,307 in an average-cost city — an effective 4.17% boost.
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2019 BLS Actual
$97,928
2025 BLS Actual
$117,495
2026 Current Est.
$121,255
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in Fredericksburg (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $97,928 | Actual |
| 2020 | $100,350 | Actual |
| 2021 | $95,713 | Actual |
| 2022 | $103,025 | Actual |
| 2023 | $108,457 | Actual |
| 2024 | $115,687 | Actual |
| 2025 | $117,495 | Actual |
| 2026(current) | $121,255 | Estimated |
| 2027 | $125,135 | Projected |
Based on 7 years of BLS OEWS data for the Fredericksburg metropolitan area, the median actuary salary grew 20.0% from $97,928 (2019) to $117,495 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $125,135 by 2027 — a total increase of $27,207 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Fredericksburg 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) | $80,150 – $94,626 |
| 3-5 years (Mid Career) | $94,626 – $121,255 |
| 5+ years (Experienced) | $121,255 – $155,207 |
| 10+ years (Top Earner) | $155,207 – $187,945 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in Fredericksburg
Currently, five actuaries are employed in Fredericksburg, highlighting a niche but established presence in this field. The cost-of-living index at 96 implies that the purchasing power in Fredericksburg is slightly lower than the national average, potentially influencing salary perceptions. Life and health insurers like Prudential and MetLife, along with consulting firms such as Mercer and Aon, typically offer higher pay structures within the local market. The disparity in salaries can be attributed to exam progression, with every passed exam generally increasing compensation in the range of $3,000 to $8,000. For those seeking to enhance their actuary pay in Fredericksburg TX, focusing on obtaining credentials, exploring roles in consulting, or specializing in high-demand areas like predictive analytics can lead to significant financial gains.
More salary data for Fredericksburg, 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 $117,495 for actuariesin the Fredericksburg 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 Fredericksburg 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