Owatonna vs St. Cloud: Actuary Salary (2026)
Compare actuary salaries between Owatonna, MN and St. Cloud, MN. All figures are 2026 estimates projected from BLS 2025 data.
Side-by-Side Comparison
| Metric | Owatonna, MN | St. Cloud, MN |
|---|---|---|
| Median Salary | $131,183▲ | $131,176 |
| Hourly Rate | $63.07 | $63.07 |
| Entry Level (P10) | $77,938▲ | $76,082 |
| 25th Percentile | $96,277 | $102,298▲ |
| 75th Percentile | $167,914▲ | $167,906 |
| Top Earner (P90) | $203,333▲ | $203,324 |
| Total Employed | 6 | 12▲ |
Verdict
Owatonna, MN offers better overall compensation for actuaries, winning 2 out of 4 metrics compared to St. Cloud.
The salary gap between Owatonna and St. Cloud is $7 (0.01%). Owatonna's median is -2.22% compared to the US national median of $134,160.
Salary Range Comparison
The full salary range (10th to 90th percentile) in Owatonna spans $125,395,St. Cloud spans $127,242. St. Cloud 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, Owatonna ($133,181 effective) pays 0.01% more than St. Cloud ($133,174 effective).
Cost-of-living adjustment: salary × (100 / CoL index). Index of 100 = national average.
Which City Is Right for You?
Choose Owatonna if…
- ✓Higher median salary ($131,183/year)
- ✓Better top-earner potential ($203,333)
- ✓Better purchasing power (CoL-adjusted: $133,181)
- ✓You prefer the Minnesota area and lifestyle
Choose St. Cloud if…
- ✓Larger job market (12 employed)
- ✓You prefer the Minnesota area and lifestyle
Historical Salary Growth Comparison
Based on BLS OEWS metropolitan area data, actuary salaries in Owatonna grew 1.6% from 2024 to 2025, compared to 1.6% growth in St. Cloud over the same period.
Owatonna, MN
$125,159 (2024) → $127,115 (2025)
St. Cloud, MN
$125,154 (2024) → $127,109 (2025)
View Full Salary Data
Owatonna, MN
St. Cloud, MN
Frequently Asked Questions
Which city pays actuarys more: Owatonna or St. Cloud?
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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
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