Senior Actuary Salary in Dayton, OH: $186,022 (2026)
Quick Answer:The top tier of actuaries working in Dayton, OH — those at or above the 90th percentile — pull in $186,022/year or more for 2026, based on BLS OEWS 2025 estimates for SOC 15-2011. Strip back Dayton's price premium (BEA RPP 90.7, 9% below national) and that top-decile pay carries the same buying power as $205,096 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, experienced actuaries in Dayton, Ohio have the potential to earn considerable salaries, with those at the 90th percentile expected to reach as high as $186,022, while the 75th percentile can command around $153,618. This substantial earning potential highlights the experience premium that exists in this market, where the median salary stands at $120,014. Skilled professionals looking to ascend to top-tier pay in Dayton typically benefit from a combination of advanced credentials, deep specialization, and a proven track record in their respective fields. Achieving such heights often requires a blend of strategic job transitions and ongoing commitment to professional development, underscoring the competitive nature of the actuarial profession in this region.
About the Dayton Market
Salary estimated from Ohio average ($120,000) adjusted for local cost of living.
2026 Salary Percentile Distribution in Dayton
Experienced actuarys at the top of the pay scale in Dayton earn between $153,618 and $186,022 per year (2026 est.). This $114,194 range from 10th to 90th percentile reflects significant earnings potential growth over a career. The Dayton median of $120,014 sits 10.54% below the US median.
Top ASA, FSA Salary Comparison
| Level | Dayton | National |
|---|---|---|
| Median (P50) | $120,014 | $134,160 |
| 75th Percentile | $153,618 | $176,111 |
| 90th Percentile (Top 10%) | $186,022 | $221,983 |
In Dayton, 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 Dayton
Advanced Certifications in Ohio
OH actuaries with additional specialty certifications within the actuarial science field earn significantly above the $120,014 median. Expanded-scope credentials are increasingly valued by Dayton employers.
Specialty Focus
Actuaries focusing on high-acuity or specialty areas within the actuarial science field in Dayton command premium compensation, often reaching the $153,618–$186,022 range.
Large Health-System & Multi-Site Experience
Large hospital systems and multi-site employers in the Dayton metro area often pay above-market rates for experienced actuaries who demonstrate efficiency and leadership.
Employer Loyalty & Patient Relationships
Long-tenured actuaries in Dayton 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 Ohio 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 Dayton
Clinical Actuary
0-5 yearsSenior/Lead Actuary
5-10 yearsActuary Department Manager
10+ yearsEducator / Specialty Leadership
AdvancedDayton ranks #19 of 67 Ohio cities for top earner actuary salary (90th percentile: $186,022).
Top 10% actuary compensation in Dayton ($186,022) is 3.91% above the Ohio average P90 ($179,023).
2019 BLS Actual
$188,640
2025 BLS Actual
$180,254
2026 Current Est.
$186,022
2019–2027 Growth
+1.8%
Salary Trajectory for Actuaries in Dayton (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $188,640 | Actual |
| 2020 | $164,257 | Actual |
| 2021 | $173,315 | Actual |
| 2022 | $167,014 | Actual |
| 2023 | $175,402 | Actual |
| 2024 | $166,388 | Actual |
| 2025 | $180,254 | Actual |
| 2026(current) | $186,022 | Estimated |
| 2027 | $191,975 | Projected |
Top-earning actuaries (90th percentile) in Dayton saw their compensation grow -4.4% from $188,640 in 2019 to $180,254 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 $191,975 by 2027, reflecting continued demand for clinical expertise and expanded-function credentials.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Dayton 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 Dayton
In the Dayton area, certain specializations yield higher compensation, particularly in sectors like life insurance, health, property and casualty, and enterprise risk management. Employers such as Prudential and UnitedHealth are known to provide more significant salaries for senior actuaries with expertise in predictive analytics and capital modeling. Furthermore, those employed at consulting firms like Mercer or Oliver Wyman often see premium pay compared to traditional insurance companies. Career advancement paths from actuarial analyst to managing actuary or chief actuary offer clear markers for growth; achieving the ASA designation typically takes 4-5 years, while earning the FSA may require 7-10 years of dedicated study and examination. Non-salary benefits such as bonuses for exam passage and study time support also contribute significantly to overall compensation, further enhancing the financial landscape for seasoned actuaries in Ohio.
More salary data for Dayton, OH:
Frequently Asked Questions
How much do experienced actuaries make in Dayton in 2026?
What drives higher actuary pay in Dayton?
What certifications boost actuary salary in Dayton?
Can experienced actuaries make six figures in Dayton?
How much does actuary salary increase over time in Dayton?
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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 $180,254 for actuaries in the Dayton 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 Dayton 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