Senior Actuary Salary in Oviedo, FL: $197,448 (2026)
Quick Answer:The top tier of actuaries working in Oviedo, FL — those at or above the 90th percentile — pull in $197,448/year or more for 2026, based on BLS OEWS 2025 estimates for SOC 15-2011. Strip back Oviedo's price premium (BEA RPP 100.8, 1% above national) and that top-decile pay carries the same buying power as $195,881 in average-cost America. The 55% spread above city median typically rewards 7+ years of practice or specialty credentials.
Based on BLS state-level estimates · View source
In Oviedo, Florida, the senior actuary pay is promising for those who achieve top-tier earnings. With the 2026 projected median annual salary at $127,386, the upper echelon of experienced actuaries can earn an impressive $197,448, showcasing a significant difference from the median figure. The gap between the two represents the experience premium that seasoned professionals command in this market, where advanced skills and specialized knowledge are paramount. Reaching such high compensation levels often requires mastery in niche fields like enterprise risk management or predictive analytics, enhancing one’s value to employers. Additionally, positioning oneself strategically within organizations known for competitive pay practices can further elevate salary potential.
About the Oviedo Market
Salary estimated from Florida average ($118,000) adjusted for local cost of living.
2026 Salary Percentile Distribution in Oviedo
Experienced actuarys at the top of the pay scale in Oviedo earn between $163,054 and $197,448 per year (2026 est.). This $120,203 range from 10th to 90th percentile reflects significant earnings potential growth over a career. The Oviedo median of $127,386 sits 5.05% below the US median.
Top ASA, FSA Salary Comparison
| Level | Oviedo | National |
|---|---|---|
| Median (P50) | $127,386 | $134,160 |
| 75th Percentile | $163,054 | $176,111 |
| 90th Percentile (Top 10%) | $197,448 | $221,983 |
In Oviedo, experienced actuaries (P90) earn 55.00% more than the local median — reflecting the significant value of specialization and tenure in this market.
What Drives Top Actuary Pay in Oviedo
Advanced Certifications in Florida
FL actuaries with additional specialty certifications within the actuarial science field earn significantly above the $127,386 median. Expanded-scope credentials are increasingly valued by Oviedo employers.
Specialty Focus
Actuaries focusing on high-acuity or specialty areas within the actuarial science field in Oviedo command premium compensation, often reaching the $163,054–$197,448 range.
Large Health-System & Multi-Site Experience
Large hospital systems and multi-site employers in the Oviedo metro area often pay above-market rates for experienced actuaries who demonstrate efficiency and leadership.
Employer Loyalty & Patient Relationships
Long-tenured actuaries in Oviedo with established relationships have strong negotiating leverage. In this developing market, retention bonuses and annual raises are common for top performers.
Continuing Education & Leadership
Actuaries in Florida who pursue advanced degrees, mentor junior staff, or lead clinical education programs position themselves for the highest compensation tiers and management roles.
Actuary Career & Wage Growth Path in Oviedo
Clinical Actuary
0-5 yearsSenior/Lead Actuary
5-10 yearsActuary Department Manager
10+ yearsEducator / Specialty Leadership
AdvancedOviedo ranks #47 of 81 Florida cities for top earner actuary salary (90th percentile: $197,448).
Top 10% actuary compensation in Oviedo ($197,448) is 0.74% below the Florida average P90 ($198,913).
2019 BLS Actual
$172,202
2025 BLS Actual
$191,326
2026 Current Est.
$197,448
2019–2027 Growth
+18.3%
Salary Trajectory for Actuaries in Oviedo (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $172,202 | Actual |
| 2020 | $174,346 | Actual |
| 2021 | $183,961 | Actual |
| 2022 | $177,272 | Actual |
| 2023 | $186,176 | Actual |
| 2024 | $181,085 | Actual |
| 2025 | $191,326 | Actual |
| 2026(current) | $197,448 | Estimated |
| 2027 | $203,767 | Projected |
Top-earning actuaries (90th percentile) in Oviedo saw their compensation grow 11.1% from $172,202 in 2019 to $191,326 in 2025, based on 7 years of BLS OEWS data for this metropolitan area. At a 3.20% annual growth rate, senior-level pay is projected to reach $203,767 by 2027, reflecting continued demand for clinical expertise and expanded-function credentials.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Oviedo 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.
Maximizing Your Actuary Earnings in Oviedo
Compensation for experienced actuaries varies significantly based on specialization and employer type in Oviedo. Those focused on life and annuity, health, or property & casualty insurance typically command a premium. Companies such as Prudential and MetLife in life insurance or UnitedHealth in health insurance are known to offer robust compensation packages. The finance sector is not left behind, with actuarial expertise in consulting firms such as Mercer and Aon drawing higher salaries, especially for those attaining FSA or FCAS credentials. As actuaries progress from ASA to FSA, adhering to the exam timeline—often a five-to-eight-year commitment—becomes crucial, with each passed exam potentially increasing compensation substantially. Recognizing the role of this academic and professional progression allows actuaries in the field to strategically elevate their career trajectories and salary prospects in Oviedo, FL.
More salary data for Oviedo, FL:
Frequently Asked Questions
How much do experienced actuaries make in Oviedo in 2026?
What drives higher actuary pay in Oviedo?
What certifications boost actuary salary in Oviedo?
Can experienced actuaries make six figures in Oviedo?
How much does actuary salary increase over time in Oviedo?
Related Pages
Compare Salaries
Career Resources
Nearby Cities in Florida
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
Top-earner salary figures on this page are 2026 projections derived from the Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) survey, May 2026 release. BLS reported a 90th percentile salary of $191,326 for actuaries in the Oviedo metro area. A 3.20% compound annual growth rate (CAGR), calculated from 6-year national BLS wage trends, was applied to project current 2026 senior-level compensation. Individual earnings depend on certifications, specialization, practice type, and years of clinical experience.
Data Sources & Methodology
Salary data for Oviedo 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