Actuary Salary in The Woodlands, TX: $83,275 (2026)
Quick Answer:A full-time actuary in The Woodlands, TX earns a median $83,275/year (≈ $40.03/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in The Woodlands's price level (4% below national, BEA RPP 96.0), that paycheck buys what $86,745 would nationally. Nominal pay sits 35.3% below the Texas state average.
Based on BLS state-level estimates · View source
In 2026, actuary salary in The Woodlands, Texas, is projected to reach a median of $83,275 annually, significantly lower than the national median of $134,160. The local salary range spans from $51,010 at the 10th percentile to $129,076 at the 90th percentile, indicating a notable variance in compensation based on experience and credentials. These figures, derived from 2025 BLS data and adjusted for regional cost of living, reflect the competitive landscape for actuary pay in The Woodlands, where consulting firms like Mercer and WTW tend to offer higher salaries than traditional insurance companies. The local job market demonstrates a unique blend of opportunities, making it important for actuaries to understand the nuances between consulting and insurer pay gradients to maximize their earnings.
About the The Woodlands Market
Salary estimated from Texas average ($128,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $51,010 | $24.52 |
| Lower Range (P25) | $62,854 | $30.22 |
| Median (P50)(typical) | $83,275 | $40.03 |
| Upper Range (P75) | $106,592 | $51.25 |
| Top Earners (P90) | $129,076 | $62.05 |
Median Salary Position
37.93% below the national average
2026 Salary Percentile Distribution in The Woodlands
In The Woodlands, TX, the actuary salary spread from the 10th to 90th percentile is $78,066 (2026 est.). At $83,275, the local median is 37.93% below the national median of $134,160.
Salary Calculator
At 40 hours/week in The Woodlands: You'd be in the lower-middle range
How The Woodlands Actuary Pay Compares
The Woodlands median: $83,275/year (2026)
| Compared To | Median Salary | The Woodlands Pays |
|---|---|---|
| Texas Average | $128,710 | -35.30% less |
| National Average | $134,160 | -37.93% less |
Actuarys in The Woodlands, TX earn a median of $83,275 per year (2026 est.), which is 37.93% lower than the national median of $134,160 and 35.30% below the Texas state average of $128,710.
Cost-of-Living Adjusted Salary
The Woodlands 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.
The Woodlands, TX has a cost-of-living index of 96 (below the national average of 100). A actuary earning $83,275 nominally has purchasing power equivalent to $86,745 in an average-cost city — an effective 4.17% boost.
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2019 BLS Actual
$67,255
2025 BLS Actual
$80,693
2026 Current Est.
$83,275
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in The Woodlands (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $67,255 | Actual |
| 2020 | $68,918 | Actual |
| 2021 | $65,734 | Actual |
| 2022 | $70,755 | Actual |
| 2023 | $74,486 | Actual |
| 2024 | $122,624 | Actual |
| 2025 | $80,693 | Actual |
| 2026(current) | $83,275 | Estimated |
| 2027 | $85,940 | Projected |
Based on 7 years of BLS OEWS data for the The Woodlands metropolitan area, the median actuary salary grew 20.0% from $67,255 (2019) to $80,693 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $85,940 by 2027 — a total increase of $18,685 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the The Woodlands 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) | $51,010 – $62,854 |
| 3-5 years (Mid Career) | $62,854 – $83,275 |
| 5+ years (Experienced) | $83,275 – $106,592 |
| 10+ years (Top Earner) | $106,592 – $129,076 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in The Woodlands
The job market for actuaries in The Woodlands currently employs 21 professionals, and the area’s cost of living index sits at 96, suggesting that take-home salaries offer reasonable purchasing power relative to daily expenses. Notably, top employers in the region include major firms across various sectors, including life insurance companies like Prudential and health care giants such as UnitedHealth. The spectrum of salaries can be influenced by several factors, including the type of insurance practiced, the level of certification achieved (e.g., moving from ASA to FSA), and the specific area of expertise, with consulting roles generally leading to higher compensation. Additionally, the exam progression can add substantial value; each passed actuarial exam often results in an increment of $3,000 to $8,000 in pay. Aspiring actuaries should focus on developing skills in predictive analytics and data science, as these competencies are increasingly sought after in the market.
More salary data for The Woodlands, 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 $80,693 for actuariesin the The Woodlands 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 The Woodlands 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