Senior Actuary Salary in Nacogdoches, TX: $189,466 (2026)
Quick Answer:The top tier of actuaries working in Nacogdoches, TX — those at or above the 90th percentile — pull in $189,466/year or more for 2026, based on BLS OEWS 2025 estimates for SOC 15-2011. Strip back Nacogdoches's price premium (BEA RPP 96.0, 4% below national) and that top-decile pay carries the same buying power as $197,360 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
Senior actuaries in Nacogdoches, Texas can anticipate a median annual salary of $122,236 in 2026, with the potential to earn significantly more as they climb the ranks. For those at the top of their game, the P90 figure reaches $189,466, underscoring the considerable experience premium available for seasoned professionals in this market. This substantial gap between the median and top earners highlights the lucrative rewards that come with advanced credentials and extensive experience. To achieve such a high level of pay, actuaries often need to specialize in areas such as predictive analytics or enterprise risk management, demonstrating their expertise through industry-recognized qualifications that distinguish them from their peers.
About the Nacogdoches Market
Salary estimated from Texas average ($128,000) adjusted for local cost of living.
2026 Salary Percentile Distribution in Nacogdoches
Experienced actuarys at the top of the pay scale in Nacogdoches earn between $156,463 and $189,466 per year (2026 est.). This $112,280 range from 10th to 90th percentile reflects significant earnings potential growth over a career. The Nacogdoches median of $122,236 sits 8.89% below the US median.
Top ASA, FSA Salary Comparison
| Level | Nacogdoches | National |
|---|---|---|
| Median (P50) | $122,236 | $134,160 |
| 75th Percentile | $156,463 | $176,111 |
| 90th Percentile (Top 10%) | $189,466 | $221,983 |
In Nacogdoches, 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 Nacogdoches
Advanced Certifications in Texas
TX actuaries with additional specialty certifications within the actuarial science field earn significantly above the $122,236 median. Expanded-scope credentials are increasingly valued by Nacogdoches employers.
Specialty Focus
Actuaries focusing on high-acuity or specialty areas within the actuarial science field in Nacogdoches command premium compensation, often reaching the $156,463–$189,466 range.
Large Health-System & Multi-Site Experience
Large hospital systems and multi-site employers in the Nacogdoches metro area often pay above-market rates for experienced actuaries who demonstrate efficiency and leadership.
Employer Loyalty & Patient Relationships
Long-tenured actuaries in Nacogdoches 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 Nacogdoches
Clinical Actuary
0-5 yearsSenior/Lead Actuary
5-10 yearsActuary Department Manager
10+ yearsEducator / Specialty Leadership
AdvancedNacogdoches ranks #95 of 109 Texas cities for top earner actuary salary (90th percentile: $189,466).
Top 10% actuary compensation in Nacogdoches ($189,466) is 3.82% below the Texas average P90 ($196,983).
2019 BLS Actual
$165,240
2025 BLS Actual
$183,591
2026 Current Est.
$189,466
2019–2027 Growth
+18.3%
Salary Trajectory for Actuaries in Nacogdoches (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $165,240 | Actual |
| 2020 | $167,297 | Actual |
| 2021 | $176,524 | Actual |
| 2022 | $170,105 | Actual |
| 2023 | $178,649 | Actual |
| 2024 | $180,767 | Actual |
| 2025 | $183,591 | Actual |
| 2026(current) | $189,466 | Estimated |
| 2027 | $195,529 | Projected |
Top-earning actuaries (90th percentile) in Nacogdoches saw their compensation grow 11.1% from $165,240 in 2019 to $183,591 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 $195,529 by 2027, reflecting continued demand for clinical expertise and expanded-function credentials.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Nacogdoches 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 Nacogdoches
In the competitive landscape of senior actuary pay in TX, specialization can dictate compensation levels significantly. Those engaged in life and annuity, health, or property and casualty insurance typically experience different pay scales based on employer type. For instance, life insurance companies like Prudential or consulting firms such as Mercer offer distinct salary trajectories compared to health insurers or property and casualty firms. Furthermore, moving up the ladder in this field usually starts with roles like actuarial analyst, progressing to ASA, FSA, or FCAS designations, which are pivotal to enhancing earning potential. Advanced credentials that actuaries attain, such as ASA or FSA, often lead to boosts in salary and additional benefits, especially in firms that incentivize ongoing education through exam progression and study time assistance. In Nacogdoches, mastering the ASA-to-FSA exam timeline can ultimately yield non-salary compensation benefits, such as signing bonuses and increased pay as actuaries transition into more demanding roles within their organizations.
More salary data for Nacogdoches, TX:
Frequently Asked Questions
How much do experienced actuaries make in Nacogdoches in 2026?
What drives higher actuary pay in Nacogdoches?
What certifications boost actuary salary in Nacogdoches?
Can experienced actuaries make six figures in Nacogdoches?
How much does actuary salary increase over time in Nacogdoches?
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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 $183,591 for actuaries in the Nacogdoches 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 Nacogdoches 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