Senior Actuary Salary in Laredo, TX: $202,387 (2026)
Quick Answer:The top tier of actuaries working in Laredo, TX — those at or above the 90th percentile — pull in $202,387/year or more for 2026, based on BLS OEWS 2025 estimates for SOC 15-2011. Strip back Laredo's price premium (BEA RPP 96.0, 4% below national) and that top-decile pay carries the same buying power as $210,820 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 Laredo, Texas, the potential for a highly lucrative career as a senior actuary is evident in the projected 2026 salaries. Experienced professionals can anticipate a median annual salary of $130,572, but top-tier earners in the 90th percentile could achieve up to $202,387. This highlights a substantial experience premium, with top earners significantly distancing themselves from the median figure. Achieving such high compensation in this market typically requires a combination of extensive industry knowledge, advanced credentials, and specialized skills that cater to high-demand areas such as predictive analytics and enterprise risk management.
About the Laredo Market
Salary estimated from Texas average ($128,000) adjusted for local cost of living.
2026 Salary Percentile Distribution in Laredo
Experienced actuarys at the top of the pay scale in Laredo earn between $167,131 and $202,387 per year (2026 est.). This $125,439 range from 10th to 90th percentile reflects significant earnings potential growth over a career. The Laredo median of $130,572 sits 2.67% below the US median.
Top ASA, FSA Salary Comparison
| Level | Laredo | National |
|---|---|---|
| Median (P50) | $130,572 | $134,160 |
| 75th Percentile | $167,131 | $176,111 |
| 90th Percentile (Top 10%) | $202,387 | $221,983 |
In Laredo, 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 Laredo
Advanced Certifications in Texas
TX actuaries with additional specialty certifications within the actuarial science field earn significantly above the $130,572 median. Expanded-scope credentials are increasingly valued by Laredo employers.
Specialty Focus
Actuaries focusing on high-acuity or specialty areas within the actuarial science field in Laredo command premium compensation, often reaching the $167,131–$202,387 range.
Large Health-System & Multi-Site Experience
Large hospital systems and multi-site employers in the Laredo metro area often pay above-market rates for experienced actuaries who demonstrate efficiency and leadership.
Employer Loyalty & Patient Relationships
Long-tenured actuaries in Laredo 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 Laredo
Clinical Actuary
0-5 yearsSenior/Lead Actuary
5-10 yearsActuary Department Manager
10+ yearsEducator / Specialty Leadership
AdvancedLaredo ranks #16 of 109 Texas cities for top earner actuary salary (90th percentile: $202,387).
Top 10% actuary compensation in Laredo ($202,387) is 2.74% above the Texas average P90 ($196,983).
2019 BLS Actual
$176,509
2025 BLS Actual
$196,111
2026 Current Est.
$202,387
2019–2027 Growth
+18.3%
Salary Trajectory for Actuaries in Laredo (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $176,509 | Actual |
| 2020 | $178,706 | Actual |
| 2021 | $188,562 | Actual |
| 2022 | $181,706 | Actual |
| 2023 | $190,832 | Actual |
| 2024 | $193,094 | Actual |
| 2025 | $196,111 | Actual |
| 2026(current) | $202,387 | Estimated |
| 2027 | $208,863 | Projected |
Top-earning actuaries (90th percentile) in Laredo saw their compensation grow 11.1% from $176,509 in 2019 to $196,111 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 $208,863 by 2027, reflecting continued demand for clinical expertise and expanded-function credentials.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Laredo 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 Laredo
The landscape of senior actuary pay in Laredo is influenced by various factors, including specialization and employer type. For instance, actuaries focusing on life and annuity or health insurance may earn more than those in pension and retirement roles. Large organizations such as Prudential and UnitedHealth generally offer competitive salaries, whereas consulting firms like Mercer and Aon provide even better compensation packages for professionals with advanced designations like FSA or FCAS. Furthermore, the career trajectory often progresses from actuarial analyst to managing actuary or chief actuary, with each step typically corresponding to greater responsibilities and higher pay. Notably, the ASA-to-FSA path, along with completing additional modules and exams, remains a key strategy for those aiming to maximize their earning potential in the Texas actuarial market.
More salary data for Laredo, TX:
Frequently Asked Questions
How much do experienced actuaries make in Laredo in 2026?
What drives higher actuary pay in Laredo?
What certifications boost actuary salary in Laredo?
Can experienced actuaries make six figures in Laredo?
How much does actuary salary increase over time in Laredo?
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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 $196,111 for actuaries in the Laredo 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 Laredo 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