Actuary Salary in Temple, TX: $126,460 (2026)
Quick Answer:A full-time actuary in Temple, TX earns a median $126,460/year (≈ $60.80/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in Temple's price level (4% below national, BEA RPP 96.0), that paycheck buys what $131,729 would nationally. Nominal pay sits 1.8% below the Texas state average.
Based on BLS state-level estimates · View source
Actuaries in Temple, TX are projected to earn a median annual salary of $126,460 in 2026, reflecting a slight dip of 5.74% compared to the national figure of $134,160. The anticipated salary range spans from $80,292 at the 10th percentile to a substantial $196,013 at the 90th percentile, highlighting the significant potential for income variation within this profession. These estimates, derived from 2025 BLS data adjusted for regional price levels, suggest that while local salaries may not match the national average, there are still rewarding opportunities available. The local market dynamics play a crucial role, especially for those navigating between roles in consulting firms like Milliman and Mercer versus traditional insurance companies.
About the Temple Market
Salary estimated from Texas average ($128,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $80,292 | $38.60 |
| Lower Range (P25) | $96,969 | $46.62 |
| Median (P50)(typical) | $126,460 | $60.80 |
| Upper Range (P75) | $161,869 | $77.82 |
| Top Earners (P90) | $196,013 | $94.23 |
Median Salary Position
5.74% below the national average
2026 Salary Percentile Distribution in Temple
In Temple, TX, the actuary salary spread from the 10th to 90th percentile is $115,721 (2026 est.). At $126,460, the local median is 5.74% below the national median of $134,160.
Salary Calculator
At 40 hours/week in Temple: You'd be in the lower-middle range
How Temple Actuary Pay Compares
Temple median: $126,460/year (2026)
| Compared To | Median Salary | Temple Pays |
|---|---|---|
| Texas Average | $128,778 | -1.80% less |
| National Average | $134,160 | -5.74% less |
Actuarys in Temple, TX earn a median of $126,460 per year (2026 est.), which is 5.74% lower than the national median of $134,160 and 1.80% below the Texas state average of $128,778.
Cost-of-Living Adjusted Salary
Temple 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.
Temple, TX has a cost-of-living index of 96 (below the national average of 100). A actuary earning $126,460 nominally has purchasing power equivalent to $131,729 in an average-cost city — an effective 4.17% boost.
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2019 BLS Actual
$102,132
2025 BLS Actual
$122,539
2026 Current Est.
$126,460
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in Temple (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $102,132 | Actual |
| 2020 | $104,658 | Actual |
| 2021 | $99,822 | Actual |
| 2022 | $107,448 | Actual |
| 2023 | $113,113 | Actual |
| 2024 | $120,654 | Actual |
| 2025 | $122,539 | Actual |
| 2026(current) | $126,460 | Estimated |
| 2027 | $130,507 | Projected |
Based on 7 years of BLS OEWS data for the Temple metropolitan area, the median actuary salary grew 20.0% from $102,132 (2019) to $122,539 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $130,507 by 2027 — a total increase of $28,375 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Temple 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) | $80,292 – $96,969 |
| 3-5 years (Mid Career) | $96,969 – $126,460 |
| 5+ years (Experienced) | $126,460 – $161,869 |
| 10+ years (Top Earner) | $161,869 – $196,013 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in Temple
The job market in Temple for actuaries remains focused, with around 14 professionals currently employed in the field. This compact workforce needs to consider the regional cost of living index of 96, which indicates that living expenses are slightly lower than the national average. Employers such as Prudential, MetLife, and UnitedHealth offer some of the highest pay in the area, particularly for actuaries with advanced credentials, reflecting the premium associated with FSA qualifications in consulting roles. Variations in pay can be attributed to several factors, including exam progression—every passed exam can lead to significant salary increases. For actuaries looking to maximize their compensation in Temple, gaining specialized skills in areas like predictive analytics and targeting roles in high-paying sectors, such as property & casualty insurance or consulting, can be beneficial strategies.
More salary data for Temple, 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 $122,539 for actuariesin the Temple 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 Temple 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