Senior Actuary Salary in Caldwell, ID: $163,151 (2026)
Quick Answer:The top tier of actuaries working in Caldwell, ID — those at or above the 90th percentile — pull in $163,151/year or more for 2026, based on BLS OEWS 2025 estimates for SOC 15-2011. Strip back Caldwell's price premium (BEA RPP 95.3, 5% below national) and that top-decile pay carries the same buying power as $171,197 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
Caldwell, Idaho presents a compelling opportunity for experienced actuaries, particularly for those aiming for top-tier compensation. In 2026, the potential salary for senior actuaries reaches an impressive $163,151 for the top 90th percentile, while the 75th percentile sits at $134,732. This creates a significant gap from the median annual salary of $105,259, highlighting the experience premium that seasoned professionals can leverage in the market. To attain these heights in compensation, actuaries must hone their expertise, often requiring a blend of specialized knowledge and advanced credentials that may include Fellowship in the Society of Actuaries (FSA) or Casualty Actuarial Society (FCAS). With Caldwell's projected growth rate of 3.20%, this city becomes an even more appealing location for those seeking to enhance their upward trajectory in the discipline.
About the Caldwell Market
Salary estimated from Idaho average ($105,000) adjusted for local cost of living.
2026 Salary Percentile Distribution in Caldwell
Experienced actuarys at the top of the pay scale in Caldwell earn between $134,732 and $163,151 per year (2026 est.). This $102,101 range from 10th to 90th percentile reflects significant earnings potential growth over a career. The Caldwell median of $105,259 sits 21.54% below the US median.
Top ASA, FSA Salary Comparison
| Level | Caldwell | National |
|---|---|---|
| Median (P50) | $105,259 | $134,160 |
| 75th Percentile | $134,732 | $176,111 |
| 90th Percentile (Top 10%) | $163,151 | $221,983 |
In Caldwell, 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 Caldwell
Advanced Certifications in Idaho
ID actuaries with additional specialty certifications within the actuarial science field earn significantly above the $105,259 median. Expanded-scope credentials are increasingly valued by Caldwell employers.
Specialty Focus
Actuaries focusing on high-acuity or specialty areas within the actuarial science field in Caldwell command premium compensation, often reaching the $134,732–$163,151 range.
Large Health-System & Multi-Site Experience
Large hospital systems and multi-site employers in the Caldwell metro area often pay above-market rates for experienced actuaries who demonstrate efficiency and leadership.
Employer Loyalty & Patient Relationships
Long-tenured actuaries in Caldwell 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 Idaho 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 Caldwell
Clinical Actuary
0-5 yearsSenior/Lead Actuary
5-10 yearsActuary Department Manager
10+ yearsEducator / Specialty Leadership
AdvancedCaldwell ranks #5 of 15 Idaho cities for top earner actuary salary (90th percentile: $163,151).
Top 10% actuary compensation in Caldwell ($163,151) is 0.06% above the Idaho average P90 ($163,046).
2019 BLS Actual
$142,290
2025 BLS Actual
$158,092
2026 Current Est.
$163,151
2019–2027 Growth
+18.3%
Salary Trajectory for Actuaries in Caldwell (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $142,290 | Actual |
| 2020 | $144,061 | Actual |
| 2021 | $152,006 | Actual |
| 2022 | $146,479 | Actual |
| 2023 | $153,837 | Actual |
| 2024 | $156,319 | Actual |
| 2025 | $158,092 | Actual |
| 2026(current) | $163,151 | Estimated |
| 2027 | $168,372 | Projected |
Top-earning actuaries (90th percentile) in Caldwell saw their compensation grow 11.1% from $142,290 in 2019 to $158,092 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 $168,372 by 2027, reflecting continued demand for clinical expertise and expanded-function credentials.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Caldwell 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 Caldwell
Looking at the landscape of senior actuary pay in Caldwell, various specializations command notably higher salaries. Areas such as life and annuity, property and casualty (P&C), and enterprise risk management (ERM) continually attract premium compensation. Notably, consulting firms like Milliman and Aon typically offer higher salaries compared to traditional insurers, especially for Fellows. These lucrative positions often follow a clear career advancement path, progressing from actuarial analyst to managing actuary roles. The pursuit of higher credentials, such as ASA or FSA, not only enhances earning potential but also aligns with market demand for skills in predictive analytics and data science. Non-salary compensation factors may include bonuses for passing exams and study time allowances, emphasizing the investment in professional development that ultimately rewards actuaries in Caldwell with greater financial prospects.
More salary data for Caldwell, ID:
Frequently Asked Questions
How much do experienced actuaries make in Caldwell in 2026?
What drives higher actuary pay in Caldwell?
What certifications boost actuary salary in Caldwell?
Can experienced actuaries make six figures in Caldwell?
How much does actuary salary increase over time in Caldwell?
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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 $158,092 for actuaries in the Caldwell 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 Caldwell 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