Senior Actuary Salary in Fredericksburg, TX: $187,945 (2026)
Quick Answer:The top tier of actuaries working in Fredericksburg, TX — those at or above the 90th percentile — pull in $187,945/year or more for 2026, based on BLS OEWS 2025 estimates for SOC 15-2011. Strip back Fredericksburg's price premium (BEA RPP 96.0, 4% below national) and that top-decile pay carries the same buying power as $195,776 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 Fredericksburg, TX, senior actuaries can expect a lucrative compensation package, particularly if they reach the higher echelons of the profession. With a median annual salary projected at $121,255 in 2026, experienced professionals have the potential to earn significantly more, with top earners making upwards of $187,945. This contrast between the median and the upper percentile highlights the experience premium that seasoned actuaries can leverage in this market. Achieving this top tier typically requires not only years of experience—seven or more in the field—but also a strong commitment to passing the rigorous actuarial exams required for advanced credentials, such as the FSA or FCAS. Engaging in specialized areas can also enhance earning potential and set senior actuaries apart from their peers, making the pursuit of advanced roles all the more rewarding.
About the Fredericksburg Market
Salary estimated from Texas average ($128,000) adjusted for local cost of living.
2026 Salary Percentile Distribution in Fredericksburg
Experienced actuarys at the top of the pay scale in Fredericksburg earn between $155,207 and $187,945 per year (2026 est.). This $107,795 range from 10th to 90th percentile reflects significant earnings potential growth over a career. The Fredericksburg median of $121,255 sits 9.62% below the US median.
Top ASA, FSA Salary Comparison
| Level | Fredericksburg | National |
|---|---|---|
| Median (P50) | $121,255 | $134,160 |
| 75th Percentile | $155,207 | $176,111 |
| 90th Percentile (Top 10%) | $187,945 | $221,983 |
In Fredericksburg, 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 Fredericksburg
Advanced Certifications in Texas
TX actuaries with additional specialty certifications within the actuarial science field earn significantly above the $121,255 median. Expanded-scope credentials are increasingly valued by Fredericksburg employers.
Specialty Focus
Actuaries focusing on high-acuity or specialty areas within the actuarial science field in Fredericksburg command premium compensation, often reaching the $155,207–$187,945 range.
Large Health-System & Multi-Site Experience
Large hospital systems and multi-site employers in the Fredericksburg metro area often pay above-market rates for experienced actuaries who demonstrate efficiency and leadership.
Employer Loyalty & Patient Relationships
Long-tenured actuaries in Fredericksburg 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 Fredericksburg
Clinical Actuary
0-5 yearsSenior/Lead Actuary
5-10 yearsActuary Department Manager
10+ yearsEducator / Specialty Leadership
AdvancedFredericksburg ranks #100 of 109 Texas cities for top earner actuary salary (90th percentile: $187,945).
Top 10% actuary compensation in Fredericksburg ($187,945) is 4.59% below the Texas average P90 ($196,983).
2019 BLS Actual
$163,914
2025 BLS Actual
$182,117
2026 Current Est.
$187,945
2019–2027 Growth
+18.3%
Salary Trajectory for Actuaries in Fredericksburg (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $163,914 | Actual |
| 2020 | $165,954 | Actual |
| 2021 | $175,107 | Actual |
| 2022 | $168,740 | Actual |
| 2023 | $177,215 | Actual |
| 2024 | $179,315 | Actual |
| 2025 | $182,117 | Actual |
| 2026(current) | $187,945 | Estimated |
| 2027 | $193,959 | Projected |
Top-earning actuaries (90th percentile) in Fredericksburg saw their compensation grow 11.1% from $163,914 in 2019 to $182,117 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 $193,959 by 2027, reflecting continued demand for clinical expertise and expanded-function credentials.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Fredericksburg 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 Fredericksburg
Compensation for actuaries in Fredericksburg varies based on specialization and employer type, significantly impacting senior actuary pay in TX. Areas such as life and annuity, health, and predictive analytics command higher salaries, and those working in consulting firms typically enjoy better pay than their counterparts in insurance companies. For instance, companies like Munich Re and State Farm provide distinct pay scales that can vary widely from actuarial consulting practices, where FSAs might earn a premium for their advanced skills in capital modeling or ERM. The career progression from actuarial analyst to chief actuary is marked by significant milestones, including obtaining the ASA and transitioning to FSA or FCAS status. Each passed exam can yield a wage increase, reinforcing the value of continuous professional development in this field. Advanced credentials, coupled with specialized expertise, enhance overall compensation and offer additional non-salary benefits, making the investment in further education particularly advantageous for senior actuaries in Fredericksburg.
More salary data for Fredericksburg, TX:
Frequently Asked Questions
How much do experienced actuaries make in Fredericksburg in 2026?
What drives higher actuary pay in Fredericksburg?
What certifications boost actuary salary in Fredericksburg?
Can experienced actuaries make six figures in Fredericksburg?
How much does actuary salary increase over time in Fredericksburg?
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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 $182,117 for actuaries in the Fredericksburg 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 Fredericksburg 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