Actuary Salary in Laredo, TX: $130,572 (2026)
Quick Answer:A full-time actuary in Laredo, TX earns a median $130,572/year (≈ $62.78/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in Laredo's price level (4% below national, BEA RPP 96.0), that paycheck buys what $136,013 would nationally. Nominal pay sits 1.4% above the Texas state average.
Based on BLS state-level estimates · View source
In 2026, the typical actuary salary in Laredo, Texas, is projected to be $130,572, which is slightly lower than the national median of $134,160, reflecting a difference of about 2.67%. The salary range for actuaries in Laredo spans from $76,948 at the 10th percentile to $202,387 at the 90th percentile. These figures, derived from 2025 BLS data and adjusted for local economic conditions, highlight the compensation landscape in an area where consulting firms like Milliman and Mercer generally offer higher pay compared to insurance companies. As the demand for actuaries continues to grow statewide, the average salaries reflect the necessity for a blend of technical expertise, particularly among those pursuing advanced credentials and specialties.
About the Laredo Market
Salary estimated from Texas average ($128,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $76,948 | $37.00 |
| Lower Range (P25) | $96,559 | $46.42 |
| Median (P50)(typical) | $130,572 | $62.78 |
| Upper Range (P75) | $167,131 | $80.35 |
| Top Earners (P90) | $202,387 | $97.30 |
Median Salary Position
2.67% below the national average
2026 Salary Percentile Distribution in Laredo
In Laredo, TX, the actuary salary spread from the 10th to 90th percentile is $125,439 (2026 est.). At $130,572, the local median is 2.67% below the national median of $134,160.
Salary Calculator
At 40 hours/week in Laredo: You'd be in the lower-middle range
How Laredo Actuary Pay Compares
Laredo median: $130,572/year (2026)
| Compared To | Median Salary | Laredo Pays |
|---|---|---|
| Texas Average | $128,769 | +1.40% more |
| National Average | $134,160 | -2.67% less |
Actuarys in Laredo, TX earn a median of $130,572 per year (2026 est.), which is 2.67% lower than the national median of $134,160 and 1.40% above the Texas state average of $128,769.
Cost-of-Living Adjusted Salary
Laredo 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.
Laredo, TX has a cost-of-living index of 96 (below the national average of 100). A actuary earning $130,572 nominally has purchasing power equivalent to $136,013 in an average-cost city — an effective 4.17% boost.
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2019 BLS Actual
$105,452
2025 BLS Actual
$126,523
2026 Current Est.
$130,572
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in Laredo (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $105,452 | Actual |
| 2020 | $108,060 | Actual |
| 2021 | $103,068 | Actual |
| 2022 | $110,941 | Actual |
| 2023 | $116,790 | Actual |
| 2024 | $124,577 | Actual |
| 2025 | $126,523 | Actual |
| 2026(current) | $130,572 | Estimated |
| 2027 | $134,750 | Projected |
Based on 7 years of BLS OEWS data for the Laredo metropolitan area, the median actuary salary grew 20.0% from $105,452 (2019) to $126,523 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $134,750 by 2027 — a total increase of $29,298 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Laredo 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) | $76,948 – $96,559 |
| 3-5 years (Mid Career) | $96,559 – $130,572 |
| 5+ years (Experienced) | $130,572 – $167,131 |
| 10+ years (Top Earner) | $167,131 – $202,387 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in Laredo
With 48 actuaries currently employed in Laredo, the local job market demonstrates a moderate level of opportunity. Coupled with a cost-of-living index of 96, professionals can enjoy a relatively comfortable lifestyle while planning their careers. Among the primary employers, life and health insurance companies tend to pay well, alongside consulting firms, which often provide salaries that can surpass those of traditional insurers. The variation in pay can be attributed to factors such as exam progression, with each passed exam typically leading to an increase in salary, as well as the importance of specialization. For actuaries looking to maximize their take-home pay in Laredo, a strategic focus on advancing credentials, including the jump from ASA to FSA, presents a viable path to higher earnings. Establishing expertise in sought-after areas like predictive analytics can also serve as a significant advantage in negotiation and career advancement.
More salary data for Laredo, 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 $126,523 for actuariesin the Laredo 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 Laredo 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