Actuaries Salary
The median pay for a actuaries in San Francisco-Oakland-Fremont, CA is $175,330/year ($84.29/hour), per BLS data. The range runs from $94K at the entry level to $232K for experienced workers. Prices run high here (RPP 115.61), so that salary is closer to $151,656 in real purchasing power. A 2-bedroom apartment runs $3,604/month, about 34.8% of take-home, which is tight.
So what does $175K get you in San Francisco-Oakland-Fremont?
Groceries, utilities, transportation, and healthcare scaled from national averages by San Francisco-Oakland-Fremont’s Regional Price Parity (115.61). Rent from HUD Fair Market Rents. Taxes estimated for single filer, standard deduction. * Healthcare is the employee-paid share only (premiums + out-of-pocket). Actual costs vary by coverage type: employer-sponsored, ACA marketplace, or uninsured.
About actuaries
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What this looks like in San Francisco-Oakland-Fremont
San Francisco-Oakland-Fremont sits well above the national pay line for actuaries, local pay runs about 35% higher than the U.S. median of $130K. The catch: housing math doesn't keep up. A 2-bedroom at the HUD median rents for $3,604/month, which is 36.6% of the median worker's take-home, past the 30% guideline most planners use. Cost-of-living overall is 16% above the national average (BEA RPP 115.61), so groceries and services cost more too. The pay premium is real, but so are the offsets.
Compared to nearby metros
Median pay for actuaries in metros near San Francisco-Oakland-Fremont, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Los Angeles-Long Beach-Anaheim | $128K | $113K |
| San Jose-Sunnyvale-Santa Clara | $131K | $119K |
| Sacramento-Roseville-Folsom | $117K | $109K |
| San Diego-Chula Vista-Carlsbad | $108K | $96K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, San Francisco-Oakland-Fremont, CA
Entry-level actuaries (10th percentile) start around $94K. Mid-career wages sit at $175K. Top earners bring in $232K or more, a $138K spread from bottom to top.
Actuaries pay across states
Median income ranked highest to lowest, compared to the national figure
View Actuaries salary in all states
| State | Median salary | vs. national | Employment |
|---|---|---|---|
| Connecticut | $167K | +28% | 1,380 |
| District of Columbia | $166K | +28% | 160 |
| New York | $156K | +20% | 2,630 |
| New Jersey | $143K | +10% | 1,260 |
| Alabama | $137K | +5% | 190 |
| Arizona | $136K | +5% | 200 |
| Washington | $135K | +4% | 360 |
| Utah | $133K | +2% | 180 |
| Nevada | $132K | +2% | 120 |
| Florida | $132K | +2% | 1,300 |
| Virginia | $132K | +1% | 440 |
| Wisconsin | $132K | +1% | 890 |
| California | $131K | +0% | 1,280 |
| Oregon | $130K | +0% | 210 |
| Missouri | $129K | -1% | 390 |
| North Carolina | $129K | -1% | 610 |
| Iowa | $129K | -1% | 530 |
| Minnesota | $128K | -1% | 1,170 |
| Maryland | $127K | -2% | 580 |
| Massachusetts | $126K | -3% | N/A |
| Pennsylvania | $125K | -4% | 1,710 |
| Kansas | $125K | -4% | 180 |
| Colorado | $120K | -7% | 500 |
| Kentucky | $120K | -7% | 70 |
| Maine | $120K | -8% | 80 |
| Illinois | $115K | -11% | 2,280 |
| Rhode Island | $111K | -15% | 100 |
| Ohio | $111K | -15% | 1,090 |
| Oklahoma | $110K | -16% | 70 |
| Tennessee | $109K | -16% | 300 |
| Mississippi | $106K | -18% | 40 |
| Texas | $105K | -19% | 1,750 |
| Nebraska | $103K | -21% | 270 |
| Indiana | $101K | -23% | 780 |
| Michigan | $101K | -23% | 570 |
| Louisiana | $81K | -38% | 40 |
Showing 1–10 of 36 states with published data
BLS does not publish data for every state when sample sizes are too small
Track actuaries salary changes
BLS updates this data quarterly. We'll email you when San Francisco-Oakland-Fremont numbers change.
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Frequently asked questions
Can a actuary afford a 2BR apartment alone in San Francisco-Oakland-Fremont?
It’s a stretch — at the median salary of $175K, rent takes 36.6% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $3,604/month. The 30% guideline puts the comfortable ceiling at roughly $3,000/month in rent — so roommates or a 1-bedroom would ease the math significantly.
What’s the entry-level salary for actuaries in San Francisco-Oakland-Fremont?
The 10th-percentile wage — what new actuaries typically earn — is $94K/year. Take-home on that works out to about $5,632/month. At HUD’s $3,604/month FMR, rent would take 64% of that take-home — above the 30% guideline, so a 1-bedroom or shared housing is likely necessary starting out.
Is actuary a high-paying job in San Francisco-Oakland-Fremont?
Local pay is 35% above the national median — $175K here vs. $130K nationally. Keep in mind cost of living here is 16% above the national average, which offsets some of that premium.
How does San Francisco-Oakland-Fremont compare to the national average for actuaries?
San Francisco-Oakland-Fremont pays $175K median vs. the U.S. average of $130K — that’s +35%. After adjusting for local cost of living (RPP 115.61), the purchasing-power equivalent is $152K — still ahead of the national median.
How much do actuaries make in San Francisco-Oakland-Fremont, CA?
The median is $175,330 a year, that works out to about $84 an hour. But the range is wide: entry-level workers start around $93,870, and experienced actuaries can clear $232,220. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $175K enough to live in San Francisco-Oakland-Fremont?
On that salary, you'd take home roughly $9,846/month after taxes. A 2-bedroom here rents for about $3,604/month, which eats 36.6% of your paycheck. That's above the 30% rule of thumb, housing will be a stretch at the median salary, though you can manage with roommates or a smaller place.
How far does a actuaries salary go in San Francisco-Oakland-Fremont?
San Francisco-Oakland-Fremont has a Regional Price Parity of 115.61 (100 is the national average). Prices are above average here, so your dollar buys less than the same salary would in a cheaper metro. After cost-of-living adjustment, the median actuaries salary is worth about $151,656 in national-average purchasing power.
Where do actuaries get paid the most?
The table above ranks every state by median pay for this role. Keep in mind that the highest-paying states tend to have the highest costs of living, so the top salary doesn't always mean the most money in your pocket.