Carlsbad vs Santa Fe: Actuary Salary (2026)
Compare actuary salaries between Carlsbad, NM and Santa Fe, NM. All figures are 2026 estimates projected from BLS 2025 data.
Side-by-Side Comparison
| Metric | Carlsbad, NM | Santa Fe, NM |
|---|---|---|
| Median Salary | $102,645 | $109,305▲ |
| Hourly Rate | $49.35 | $52.55▲ |
| Entry Level (P10) | $64,328 | $65,566▲ |
| 25th Percentile | $78,124 | $80,940▲ |
| 75th Percentile | $131,385 | $139,910▲ |
| Top Earner (P90) | $159,099 | $169,423▲ |
| Total Employed | 7 | 20▲ |
Verdict
Santa Fe, NM offers better overall compensation for actuaries, winning 4 out of 4 metrics compared to Carlsbad.
The salary gap between Carlsbad and Santa Fe is $6,660 (6.49%). Santa Fe's median is -18.53% compared to the US national median of $134,160.
Salary Range Comparison
The full salary range (10th to 90th percentile) in Carlsbad spans $94,771,Santa Fe spans $103,857. Santa Fe has a wider pay range, suggesting more variation in pay between entry-level and experienced actuarys.
Cost-of-Living Adjusted Comparison
After cost-of-living adjustment, Santa Fe ($115,789 effective) pays 6.49% more than Carlsbad ($108,734 effective).
Cost-of-living adjustment: salary × (100 / CoL index). Index of 100 = national average.
Which City Is Right for You?
Choose Carlsbad if…
- ✓You prefer the New Mexico area and lifestyle
Choose Santa Fe if…
- ✓Higher median salary ($109,305/year)
- ✓Better top-earner potential ($169,423)
- ✓Larger job market (20 employed)
- ✓Better purchasing power (CoL-adjusted: $115,789)
- ✓You prefer the New Mexico area and lifestyle
Historical Salary Growth Comparison
Based on BLS OEWS metropolitan area data, actuary salaries in Carlsbad grew 2.9% from 2024 to 2025, compared to 2.9% growth in Santa Fe over the same period.
Carlsbad, NM
$96,666 (2024) → $99,462 (2025)
Santa Fe, NM
$102,939 (2024) → $105,916 (2025)
View Full Salary Data
Carlsbad, NM
Santa Fe, NM
Frequently Asked Questions
Which city pays actuarys more: Carlsbad or Santa Fe?
What is the hourly rate difference between Carlsbad and Santa Fe?
Should I relocate from Carlsbad to Santa Fe as a actuary?
What do entry-level actuarys earn in Carlsbad vs Santa Fe?
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
All salary figures are 2026 projections based on BLS OEWS May 2025 data. A 3.20% CAGR (derived from 6-year national BLS trends) was applied to estimate current compensation. Cost-of-living adjustments use BEA Regional Price Parity data. Actual salaries vary by employer, certifications, and experience.
Data Sources & Methodology
Source: BLS, OEWS , released .
Compiled and verified by Maria Chen, FSA, MAAA, a licensed actuary with 10+ years of clinical experience. · View source data at BLS.gov