Actuary Salary in Nacogdoches, TX: $122,236 (2026)
Quick Answer:A full-time actuary in Nacogdoches, TX earns a median $122,236/year (≈ $58.77/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in Nacogdoches's price level (4% below national, BEA RPP 96.0), that paycheck buys what $127,329 would nationally. Nominal pay sits 5.1% below the Texas state average.
Based on BLS state-level estimates · View source
In 2026, the average actuary salary in Nacogdoches is projected to be $122,236, which reflects a notable difference when compared to the national median of $134,160. The salary range for this profession in the area extends from $77,186 at the 10th percentile to $189,466 at the 90th percentile. These figures, derived from 2025 BLS data and adjusted for local economic conditions, indicate a well-defined salary structure. Notably, actuaries working for consulting firms like Milliman or Mercer often command higher salaries than those employed by life insurance companies or smaller local firms. As the job market for actuaries develops, individuals seeking to maximize their potential income should consider the nuances between different employer types, as well as advancing their credentials through exams and specialization.
About the Nacogdoches Market
Salary estimated from Texas average ($128,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $77,186 | $37.11 |
| Lower Range (P25) | $90,462 | $43.49 |
| Median (P50)(typical) | $122,236 | $58.77 |
| Upper Range (P75) | $156,463 | $75.22 |
| Top Earners (P90) | $189,466 | $91.08 |
Median Salary Position
8.89% below the national average
2026 Salary Percentile Distribution in Nacogdoches
In Nacogdoches, TX, the actuary salary spread from the 10th to 90th percentile is $112,280 (2026 est.). At $122,236, the local median is 8.89% below the national median of $134,160.
Salary Calculator
At 40 hours/week in Nacogdoches: You'd be in the lower-middle range
How Nacogdoches Actuary Pay Compares
Nacogdoches median: $122,236/year (2026)
| Compared To | Median Salary | Nacogdoches Pays |
|---|---|---|
| Texas Average | $128,805 | -5.10% less |
| National Average | $134,160 | -8.89% less |
Actuarys in Nacogdoches, TX earn a median of $122,236 per year (2026 est.), which is 8.89% lower than the national median of $134,160 and 5.10% below the Texas state average of $128,805.
Cost-of-Living Adjusted Salary
Nacogdoches 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.
Nacogdoches, TX has a cost-of-living index of 96 (below the national average of 100). A actuary earning $122,236 nominally has purchasing power equivalent to $127,329 in an average-cost city — an effective 4.17% boost.
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2019 BLS Actual
$98,720
2025 BLS Actual
$118,446
2026 Current Est.
$122,236
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in Nacogdoches (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $98,720 | Actual |
| 2020 | $101,162 | Actual |
| 2021 | $96,488 | Actual |
| 2022 | $103,859 | Actual |
| 2023 | $109,335 | Actual |
| 2024 | $116,624 | Actual |
| 2025 | $118,446 | Actual |
| 2026(current) | $122,236 | Estimated |
| 2027 | $126,148 | Projected |
Based on 7 years of BLS OEWS data for the Nacogdoches metropolitan area, the median actuary salary grew 20.0% from $98,720 (2019) to $118,446 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $126,148 by 2027 — a total increase of $27,428 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Nacogdoches 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) | $77,186 – $90,462 |
| 3-5 years (Mid Career) | $90,462 – $122,236 |
| 5+ years (Experienced) | $122,236 – $156,463 |
| 10+ years (Top Earner) | $156,463 – $189,466 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in Nacogdoches
Current employment opportunities for actuaries in Nacogdoches remain limited, with just seven actuaries in the area. The cost of living index at 96 suggests reasonable living expenses, providing relatively favorable purchasing power despite lower median salaries compared to national averages. Among potential employers, health and managed care providers such as UnitedHealth and Cigna may offer competitive compensation, particularly if candidates have completed additional actuarial exams. Considering the steep salary gradient influenced by professional designations—especially with a move from ASA to FSA status—those actively pursuing a career in this sector should focus on passing exams and honing skills in predictive analytics. By aligning qualifications with the demands of consulting firms or high-stakes insurance roles, actuaries can significantly enhance their earning capacities within the Nacogdoches market.
More salary data for Nacogdoches, 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 $118,446 for actuariesin the Nacogdoches 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 Nacogdoches 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