Senior Actuary Salary in Coeur d'Alene, ID: $163,396 (2026)
Quick Answer:The top tier of actuaries working in Coeur d'Alene, ID — those at or above the 90th percentile — pull in $163,396/year or more for 2026, based on BLS OEWS 2025 estimates for SOC 15-2011. Strip back Coeur d'Alene's price premium (BEA RPP 95.3, 5% below national) and that top-decile pay carries the same buying power as $171,454 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
Compensation for senior actuaries in Coeur d'Alene, ID, reflects the demand for experience and specialized skills. For 2026, seasoned professionals can anticipate a median annual salary of $105,417, with top earners (P90) making as much as $163,396. This upper echelon of salary demonstrates a significant advancement from the median, highlighting the experience premium for those who achieve high-level positions. Achieving such top-tier pay necessitates a combination of advanced actuarial credentials, strategic career choices, and often, a focus on high-demand specializations. Senior actuaries who navigate corporate environments or lead teams in consulting practices typically exceed the basic salary estimates, taking advantage of their experience and expertise to push their compensation closer to the prevailing national averages.
About the Coeur d'Alene Market
Salary estimated from Idaho average ($105,000) adjusted for local cost of living.
2026 Salary Percentile Distribution in Coeur d'Alene
Experienced actuarys at the top of the pay scale in Coeur d'Alene earn between $134,933 and $163,396 per year (2026 est.). This $100,324 range from 10th to 90th percentile reflects significant earnings potential growth over a career. The Coeur d'Alene median of $105,417 sits 21.42% below the US median.
Top ASA, FSA Salary Comparison
| Level | Coeur d'Alene | National |
|---|---|---|
| Median (P50) | $105,417 | $134,160 |
| 75th Percentile | $134,933 | $176,111 |
| 90th Percentile (Top 10%) | $163,396 | $221,983 |
In Coeur d'Alene, 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 Coeur d'Alene
Advanced Certifications in Idaho
ID actuaries with additional specialty certifications within the actuarial science field earn significantly above the $105,417 median. Expanded-scope credentials are increasingly valued by Coeur d'Alene employers.
Specialty Focus
Actuaries focusing on high-acuity or specialty areas within the actuarial science field in Coeur d'Alene command premium compensation, often reaching the $134,933–$163,396 range.
Large Health-System & Multi-Site Experience
Large hospital systems and multi-site employers in the Coeur d'Alene metro area often pay above-market rates for experienced actuaries who demonstrate efficiency and leadership.
Employer Loyalty & Patient Relationships
Long-tenured actuaries in Coeur d'Alene 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 Coeur d'Alene
Clinical Actuary
0-5 yearsSenior/Lead Actuary
5-10 yearsActuary Department Manager
10+ yearsEducator / Specialty Leadership
AdvancedCoeur d'Alene ranks #4 of 15 Idaho cities for top earner actuary salary (90th percentile: $163,396).
Top 10% actuary compensation in Coeur d'Alene ($163,396) is 0.21% above the Idaho average P90 ($163,046).
2019 BLS Actual
$142,503
2025 BLS Actual
$158,329
2026 Current Est.
$163,396
2019–2027 Growth
+18.3%
Salary Trajectory for Actuaries in Coeur d'Alene (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $142,503 | Actual |
| 2020 | $144,277 | Actual |
| 2021 | $152,234 | Actual |
| 2022 | $146,699 | Actual |
| 2023 | $154,067 | Actual |
| 2024 | $156,553 | Actual |
| 2025 | $158,329 | Actual |
| 2026(current) | $163,396 | Estimated |
| 2027 | $168,624 | Projected |
Top-earning actuaries (90th percentile) in Coeur d'Alene saw their compensation grow 11.1% from $142,503 in 2019 to $158,329 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 $168,624 by 2027, reflecting continued demand for clinical expertise and expanded-function credentials.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Coeur d'Alene 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 Coeur d'Alene
A range of specialized skills significantly contributes to the lucrative pay of senior actuaries in the area. In Coeur d'Alene, professionals in sectors such as life and annuity, health insurance, and enterprise risk management often see elevated salaries due to the complexity and importance of their work. Compensation can vary notably based on employer type; large insurance companies like Prudential and Cigna usually offer different financial packages compared to consulting firms like Mercer or Milliman. Additionally, the defined progression from Associate to Fellow (ASA to FSA) plays a vital role in enhancing earning potential. Each passed exam leads to salary increases, allowing actuaries who take strategic steps towards advanced credentials to realize a significant impact on their pay. Non-salary compensation factors, such as signing bonuses and specialized training benefits, also play a relevant role at this level, particularly when aiming for roles in highly technical fields like predictive analytics or reinsurance pricing.
More salary data for Coeur d'Alene, ID:
Frequently Asked Questions
How much do experienced actuaries make in Coeur d'Alene in 2026?
What drives higher actuary pay in Coeur d'Alene?
What certifications boost actuary salary in Coeur d'Alene?
Can experienced actuaries make six figures in Coeur d'Alene?
How much does actuary salary increase over time in Coeur d'Alene?
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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 $158,329 for actuaries in the Coeur d'Alene 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 Coeur d'Alene 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