Actuary Salary in Germantown, WI: $118,706 (2026)
Quick Answer:A full-time actuary in Germantown, WI earns a median $118,706/year (≈ $57.07/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in Germantown's price level (7% below national, BEA RPP 93.4), that paycheck buys what $127,094 would nationally. Nominal pay sits 5.3% below the Wisconsin state average.
Based on BLS state-level estimates · View source
In 2026, the estimated median annual salary for actuaries in Germantown, Wisconsin, is projected to be $118,706. Compared to the national median of $134,160, this represents a notable difference of approximately 11.52%, highlighting a challenging but viable local market primarily influenced by the choice of specialty—either the Society of Actuaries (SOA) focused on life, health, or pension sectors, or the Casualty Actuarial Society (CAS) for property and casualty markets. The salary range in Germantown spans from $73,309 at the 10th percentile to $183,994 for those in the 90th percentile, showcasing a diverse market where experience and specialization can significantly affect compensation. These figures are based on 2025 BLS data, projected to 2026 and adjusted for regional price differences.
About the Germantown Market
Salary estimated from Wisconsin average ($122,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $73,309 | $35.24 |
| Lower Range (P25) | $93,554 | $44.97 |
| Median (P50)(typical) | $118,706 | $57.07 |
| Upper Range (P75) | $151,943 | $73.04 |
| Top Earners (P90) | $183,994 | $88.46 |
Median Salary Position
11.52% below the national average
2026 Salary Percentile Distribution in Germantown
In Germantown, WI, the actuary salary spread from the 10th to 90th percentile is $110,685 (2026 est.). At $118,706, the local median is 11.52% below the national median of $134,160.
Salary Calculator
At 40 hours/week in Germantown: You'd be in the lower-middle range
How Germantown Actuary Pay Compares
Germantown median: $118,706/year (2026)
| Compared To | Median Salary | Germantown Pays |
|---|---|---|
| Wisconsin Average | $125,349 | -5.30% less |
| National Average | $134,160 | -11.52% less |
Actuarys in Germantown, WI earn a median of $118,706 per year (2026 est.), which is 11.52% lower than the national median of $134,160 and 5.30% below the Wisconsin state average of $125,349.
Cost-of-Living Adjusted Salary
Germantown has a cost of living 6.60% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Germantown, WI has a cost-of-living index of 93.4 (below the national average of 100). A actuary earning $118,706 nominally has purchasing power equivalent to $127,094 in an average-cost city — an effective 7.07% boost.
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2019 BLS Actual
$95,869
2025 BLS Actual
$115,025
2026 Current Est.
$118,706
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in Germantown (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $95,869 | Actual |
| 2020 | $98,240 | Actual |
| 2021 | $93,701 | Actual |
| 2022 | $100,859 | Actual |
| 2023 | $106,177 | Actual |
| 2024 | $107,947 | Actual |
| 2025 | $115,025 | Actual |
| 2026(current) | $118,706 | Estimated |
| 2027 | $122,504 | Projected |
Based on 7 years of BLS OEWS data for the Germantown metropolitan area, the median actuary salary grew 20.0% from $95,869 (2019) to $115,025 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $122,504 by 2027 — a total increase of $26,635 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Germantown 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) | $73,309 – $93,554 |
| 3-5 years (Mid Career) | $93,554 – $118,706 |
| 5+ years (Experienced) | $118,706 – $151,943 |
| 10+ years (Top Earner) | $151,943 – $183,994 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in Germantown
Focusing on the local job market, only six actuaries are currently employed in Germantown, which has implications for competition and opportunities within the field. The area’s cost of living index is 93.4, below the national average, suggesting that while salaries may be lower than the national median, residents can have an enhanced purchasing power relative to their income. Among the various employers, prominent companies in life insurance, such as Prudential and Northwestern Mutual, tend to offer the highest compensations. Factors like exam progression play a key role in the salary variance, as completing each exam can yield an additional $3,000 to $8,000 in base pay, while attaining Fellow status often leads to substantial pay increases. For aspiring actuaries looking to maximize their earnings in Germantown, deriving value from study time and pursuing consulting roles in firms like Milliman or Aon can yield significant advantages over industry peers.
More salary data for Germantown, WI:
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 $115,025 for actuariesin the Germantown 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 Germantown 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