Entry-Level Actuary Salary in Clearfield, UT: $80,828 (2026)
Quick Answer:New actuaries entering the Clearfield, UT job market in 2026 can expect a starting salary around $80,828 (BLS 10th-percentile benchmark for SOC 15-2011, projected from 2025 OEWS data). Stripping out Clearfield's local price level (BEA RPP 98.1 — 2% below national), a first-year paycheck buys what $82,393 would in average-cost America. Most reach the city median ($125,717) within a few years of clinical practice.
Based on BLS state-level estimates · View source
In 2026, new grads entering the actuarial field in Clearfield, Utah, can expect a starting salary around $80,828, which is significantly lower than the city median of $125,717. This initial pay reflects the lower end of the salary spectrum but aligns with typical entry-level expectations for first-year actuaries. Over the first few years, it’s realistic to see growth towards the 25th percentile salary of $96,800 as new hires gain experience and pass crucial actuarial exams. Given the market dynamics in Clearfield, which maintains a relatively low cost of living index at 98.1, it presents an acceptable atmosphere for new graduates seeking to launch their careers in a field known for upward mobility as they work toward mid-tier salaries.
About the Clearfield Market
Salary estimated from Utah average ($115,000) adjusted for local cost of living.
Career Earnings Timeline in Clearfield
New Graduate
Early Career
Mid Career
Experienced
Salary progression estimated from BLS percentile data. Actual progression varies by employer, certifications, and specialization.
2026 Salary Percentile Distribution in Clearfield
Entry-level actuarys in Clearfield, UT typically start between $80,828 and $96,800 per year (2026 est.). The full salary range spans $114,033 from the 10th to 90th percentile, with the local median at $125,717 — 6.29% below the national median.
Return on Investment
The average actuarial science program cost in Utah of $45,000 represents just 55.67% of the starting actuary pay ($80,828/year) in Clearfield. Most graduates begin earning back their investment from day one, though actual ROI varies based on living expenses, loan interest, and the 2-year opportunity cost of schooling.
Program cost estimates cover bachelor's degree tuition at public and private universities, plus estimated actuarial exam fees and study materials. Employers often cover exam costs once employed.
ASA, FSA Salary Negotiation Tips for New Graduates in Clearfield
- 1Research the Clearfield market: entry-level actuary pay ranges from $80,828 to $96,800, so aim for at least the 25th percentile if you have strong credentials.
- 2Highlight any additional certifications or specialty training within the actuarial science field — employers in UT often pay a premium for expanded scope of work.
- 3Evaluate the full compensation package — in Clearfield, benefits like health insurance, continuing-education allowances, and schedule flexibility can add 20-30% to your effective compensation.
- 4Consider starting with a larger hospital system or multi-site employer in Clearfield for competitive entry-level pay and structured mentorship, then move to a smaller employer once you have 2-3 years of experience.
- 5Clearfield's moderate cost of living means your starting salary goes further here compared to many larger metro areas.
Actuary Compensation Range
The actuary wage spread in Clearfield is $114,033 ( 141.08%) between entry-level and top earners. Starting at $80,828, experienced hygienists can earn up to $194,861.
Represents the current salary spread across experience levels, not projected career growth rate.
2019 BLS Actual
$64,655
2025 BLS Actual
$78,322
2026 Current Est.
$80,828
2019–2027 Growth
+29.0%
Salary Trajectory for Actuaries in Clearfield (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $64,655 | Actual |
| 2020 | $65,822 | Actual |
| 2021 | $63,060 | Actual |
| 2022 | $71,533 | Actual |
| 2023 | $75,142 | Actual |
| 2024 | $68,602 | Actual |
| 2025 | $78,322 | Actual |
| 2026(current) | $80,828 | Estimated |
| 2027 | $83,415 | Projected |
Entry-level actuary compensation (10th percentile) in Clearfield, UT grew 21.1% over 7 years based on actual BLS metropolitan area surveys, rising from $64,655 in 2019 to $78,322 in 2025. By 2027, starting salaries are projected to reach $83,415. New graduates entering the Clearfield job market can expect continued year-over-year gains.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Clearfield 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.
Starting Your actuarial science Career in Clearfield
Employers in Clearfield poised to hire fresh talent in the actuarial space primarily include large life insurers like Prudential and MetLife, as well as health insurance companies looking for entry-level actuaries. Firms such as Milliman, Mercer, and Aon actively recruit candidates with strong educational backgrounds in math or actuarial science, often providing structured pathways to pass initial exams while earning. New graduates are advised to progress toward the ASA credential, typically requiring 4-5 years of study and multiple exams. Notably, the exam progression is the main driving force for compensation in this sector—each exam passed can translate into an increase of $3,000 to $8,000 in base salary, making early investment in study crucial. Over the first 1-3 years, graduates can realistically expect to see salary increments as they gain credentials and marketable skills, particularly in data analytics, which are increasingly sought after by employers in the evolving actuarial landscape in Clearfield, UT.
More salary data for Clearfield, UT:
Frequently Asked Questions
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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
Entry-level salary figures on this page are 2026 projections based on the Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) survey, May 2026 release. The 10th percentile (entry-level) is used as the starting salary benchmark for new actuarial science graduates. A 3.20% compound annual growth rate (CAGR), derived from 6-year national BLS wage trends, was applied to project current 2026 entry-level compensation in Clearfield. Program costs are averages and actual tuition varies by institution. ROI calculations are simplified estimates.
Data Sources & Methodology
Salary data for Clearfield 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