Senior Actuary Salary in Baytown, TX: $198,623 (2026)
Quick Answer:The top tier of actuaries working in Baytown, TX — those at or above the 90th percentile — pull in $198,623/year or more for 2026, based on BLS OEWS 2025 estimates for SOC 15-2011. Strip back Baytown's price premium (BEA RPP 96.0, 4% below national) and that top-decile pay carries the same buying power as $206,899 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 Baytown, Texas, can anticipate an impressive median annual salary of $128,143, with the potential for top earners reaching as high as $198,623. This figure for the 90th percentile places Baytown's highest paid professionals slightly below the national average of $134,160, reflecting a 4.48% difference. The significant wage gap between this median salary and the top percentiles underscores the value of specialized expertise and extensive experience in the field. To achieve these exceptional earnings, actuaries typically need to amass at least seven years of experience, navigate a rigorous examination process, and often hold advanced credentials such as Fellow of the Society of Actuaries (FSA) or Fellow of the Casualty Actuarial Society (FCAS).
About the Baytown Market
Salary estimated from Texas average ($128,000) adjusted for local cost of living.
2026 Salary Percentile Distribution in Baytown
Experienced actuarys at the top of the pay scale in Baytown earn between $164,024 and $198,623 per year (2026 est.). This $124,299 range from 10th to 90th percentile reflects significant earnings potential growth over a career. The Baytown median of $128,143 sits 4.48% below the US median.
Top ASA, FSA Salary Comparison
| Level | Baytown | National |
|---|---|---|
| Median (P50) | $128,143 | $134,160 |
| 75th Percentile | $164,024 | $176,111 |
| 90th Percentile (Top 10%) | $198,623 | $221,983 |
In Baytown, 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 Baytown
Advanced Certifications in Texas
TX actuaries with additional specialty certifications within the actuarial science field earn significantly above the $128,143 median. Expanded-scope credentials are increasingly valued by Baytown employers.
Specialty Focus
Actuaries focusing on high-acuity or specialty areas within the actuarial science field in Baytown command premium compensation, often reaching the $164,024–$198,623 range.
Large Health-System & Multi-Site Experience
Large hospital systems and multi-site employers in the Baytown metro area often pay above-market rates for experienced actuaries who demonstrate efficiency and leadership.
Employer Loyalty & Patient Relationships
Long-tenured actuaries in Baytown 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 Texas 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 Baytown
Clinical Actuary
0-5 yearsSenior/Lead Actuary
5-10 yearsActuary Department Manager
10+ yearsEducator / Specialty Leadership
AdvancedBaytown ranks #41 of 109 Texas cities for top earner actuary salary (90th percentile: $198,623).
Top 10% actuary compensation in Baytown ($198,623) is 0.83% above the Texas average P90 ($196,983).
2019 BLS Actual
$173,227
2025 BLS Actual
$192,464
2026 Current Est.
$198,623
2019–2027 Growth
+18.3%
Salary Trajectory for Actuaries in Baytown (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $173,227 | Actual |
| 2020 | $175,383 | Actual |
| 2021 | $185,055 | Actual |
| 2022 | $178,327 | Actual |
| 2023 | $187,283 | Actual |
| 2024 | $189,501 | Actual |
| 2025 | $192,464 | Actual |
| 2026(current) | $198,623 | Estimated |
| 2027 | $204,979 | Projected |
Top-earning actuaries (90th percentile) in Baytown saw their compensation grow 11.1% from $173,227 in 2019 to $192,464 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 $204,979 by 2027, reflecting continued demand for clinical expertise and expanded-function credentials.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Baytown 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 Baytown
Compensation for senior actuaries in Baytown can vary widely based on specialization and employer type. Advanced areas such as predictive analytics, health insurance, and enterprise risk management are particularly lucrative, with firms like UnitedHealth and Prudential often offering higher compensation packages compared to other employers in the market. Life insurance companies, health plans, and consulting firms such as Aon and Milliman tend to reward those with Fellow status exceptionally well, leveraging further exam completions into significant pay increases. Additionally, career progression from an actuarial analyst to positions such as Chief Actuary or consulting practice leader is not only viable but also financially rewarding. With the appropriate educational background in mathematics or finance, along with the completion of the necessary actuarial exams and VEE credits, seasoned actuaries can expect a trajectory of increasing responsibilities and compensation throughout their careers in Baytown, TX.
More salary data for Baytown, TX:
Frequently Asked Questions
How much do experienced actuaries make in Baytown in 2026?
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What certifications boost actuary salary in Baytown?
Can experienced actuaries make six figures in Baytown?
How much does actuary salary increase over time in Baytown?
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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 $192,464 for actuaries in the Baytown 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 Baytown 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