Senior Actuary Salary in Kahului, HI: $173,007 (2026)
Quick Answer:The top tier of actuaries working in Kahului, HI — those at or above the 90th percentile — pull in $173,007/year or more for 2026, based on BLS OEWS 2025 estimates for SOC 15-2011. Strip back Kahului's price premium (BEA RPP 119.3, 19% above national) and that top-decile pay carries the same buying power as $145,018 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 2026, top earners among experienced actuaries in Kahului can expect to command impressive annual salaries, ranging up to $173,007. The median annual salary stands at $111,617, highlighting a significant wage gap where the highest earners can make considerably more. This disparity illustrates the experience premium associated with senior actuary roles, where professionals with over seven years of experience can tap into lucrative compensation avenues that often require advanced skills and specialization. Achieving such top-tier pay often necessitates a blend of expertise in areas like predictive analytics or capital modeling, alongside obtaining higher actuarial credentials to enhance marketability.
About the Kahului Market
Salary estimated from Hawaii average ($118,000) adjusted for local cost of living.
2026 Salary Percentile Distribution in Kahului
Experienced actuarys at the top of the pay scale in Kahului earn between $142,870 and $173,007 per year (2026 est.). This $102,629 range from 10th to 90th percentile reflects significant earnings potential growth over a career. The Kahului median of $111,617 sits 16.8% below the US median.
Top ASA, FSA Salary Comparison
| Level | Kahului | National |
|---|---|---|
| Median (P50) | $111,617 | $134,160 |
| 75th Percentile | $142,870 | $176,111 |
| 90th Percentile (Top 10%) | $173,007 | $221,983 |
In Kahului, 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 Kahului
Advanced Certifications in Hawaii
HI actuaries with additional specialty certifications within the actuarial science field earn significantly above the $111,617 median. Expanded-scope credentials are increasingly valued by Kahului employers.
Specialty Focus
Actuaries focusing on high-acuity or specialty areas within the actuarial science field in Kahului command premium compensation, often reaching the $142,870–$173,007 range.
Large Health-System & Multi-Site Experience
Large hospital systems and multi-site employers in the Kahului metro area often pay above-market rates for experienced actuaries who demonstrate efficiency and leadership.
Employer Loyalty & Patient Relationships
Long-tenured actuaries in Kahului 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 Hawaii 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 Kahului
Clinical Actuary
0-5 yearsSenior/Lead Actuary
5-10 yearsActuary Department Manager
10+ yearsEducator / Specialty Leadership
AdvancedKahului ranks #8 of 9 Hawaii cities for top earner actuary salary (90th percentile: $173,007).
Top 10% actuary compensation in Kahului ($173,007) is 7.17% below the Hawaii average P90 ($186,366).
2019 BLS Actual
$150,886
2025 BLS Actual
$167,642
2026 Current Est.
$173,007
2019–2027 Growth
+18.3%
Salary Trajectory for Actuaries in Kahului (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $150,886 | Actual |
| 2020 | $152,764 | Actual |
| 2021 | $161,189 | Actual |
| 2022 | $155,328 | Actual |
| 2023 | $163,129 | Actual |
| 2024 | $207,378 | Actual |
| 2025 | $167,642 | Actual |
| 2026(current) | $173,007 | Estimated |
| 2027 | $178,543 | Projected |
Top-earning actuaries (90th percentile) in Kahului saw their compensation grow 11.1% from $150,886 in 2019 to $167,642 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 $178,543 by 2027, reflecting continued demand for clinical expertise and expanded-function credentials.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Kahului 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 Kahului
Compensation for senior actuaries in Kahului varies significantly depending on their area of specialization and employer type. Professionals skilled in life and annuity or property & casualty can command premium pay, with opportunities abundant in firms like Prudential or State Farm. Health insurance companies such as UnitedHealth and managed care providers also offer competitive salaries but may differ from those available in consulting firms like Mercer or Aon, known for higher pay scales for FSAs or FCAS. The typical advancement path progresses through various titles, such as graduating from actuarial analyst to managing actuary or chief actuary, heavily influenced by exam completion and the achievement of credentials like ASA and FSA. For many, the reward of passing actuarial exams and the subsequent salary uptick—often $3,000 to $8,000 per exam—further incentivizes career growth, enhancing both the total compensation package and long-term career prospects in this dynamic field.
More salary data for Kahului, HI:
Frequently Asked Questions
How much do experienced actuaries make in Kahului in 2026?
What drives higher actuary pay in Kahului?
What certifications boost actuary salary in Kahului?
Can experienced actuaries make six figures in Kahului?
How much does actuary salary increase over time in Kahului?
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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
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 $167,642 for actuaries in the Kahului 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 Kahului 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