Actuary Salary in Middletown, DE: $118,903 (2026)
Quick Answer:A full-time actuary in Middletown, DE earns a median $118,903/year (≈ $57.16/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 15-2011). Once you factor in Middletown's price level (2% above national, BEA RPP 101.7), that paycheck buys what $116,915 would nationally. Nominal pay sits 7.6% below the Delaware state average.
Based on BLS state-level estimates · View source
In 2026, the typical actuary salary in Middletown, Delaware, is projected to be $118,903, which is notably under the national median of $134,160. With a salary range from $74,823 at the lower 10th percentile up to $184,103 at the 90th percentile, those in the profession can experience substantial variation based on their level of expertise and specialization. These estimates are derived from 2025 BLS data, adjusted for regional cost factors. Notably, actuaries often see a pay differential depending on whether they work for consulting firms such as Milliman, Mercer, or WTW versus traditional insurers, reflecting the competitive wages offered at the FSA level in consulting roles. As Middletown continues to host a small but stable number of actuaries, the local market remains vigilant for skilled professionals pursuing advanced credentials.
About the Middletown Market
Salary estimated from Delaware average ($130,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $74,823 | $35.98 |
| Lower Range (P25) | $90,047 | $43.29 |
| Median (P50)(typical) | $118,903 | $57.16 |
| Upper Range (P75) | $151,322 | $72.76 |
| Top Earners (P90) | $184,103 | $88.51 |
Median Salary Position
11.37% below the national average
2026 Salary Percentile Distribution in Middletown
In Middletown, DE, the actuary salary spread from the 10th to 90th percentile is $109,280 (2026 est.). At $118,903, the local median is 11.37% below the national median of $134,160.
Salary Calculator
At 40 hours/week in Middletown: You'd be in the lower-middle range
How Middletown Actuary Pay Compares
Middletown median: $118,903/year (2026)
| Compared To | Median Salary | Middletown Pays |
|---|---|---|
| Delaware Average | $128,683 | -7.60% less |
| National Average | $134,160 | -11.37% less |
Actuarys in Middletown, DE earn a median of $118,903 per year (2026 est.), which is 11.37% lower than the national median of $134,160 and 7.60% below the Delaware state average of $128,683.
Cost-of-Living Adjusted Salary
Middletown has a cost of living 1.70% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Middletown, DE has a cost-of-living index of 101.7 (above the national average of 100). While the nominal salary of $118,903 is competitive, the higher cost of living reduces purchasing power to an effective $116,915 — a 1.67% reduction.
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2019 BLS Actual
$96,028
2025 BLS Actual
$115,216
2026 Current Est.
$118,903
2019–2027 Growth
+27.8%
Salary Trajectory for Actuaries in Middletown (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $96,028 | Actual |
| 2020 | $98,403 | Actual |
| 2021 | $93,857 | Actual |
| 2022 | $101,027 | Actual |
| 2023 | $106,353 | Actual |
| 2024 | $122,155 | Actual |
| 2025 | $115,216 | Actual |
| 2026(current) | $118,903 | Estimated |
| 2027 | $122,708 | Projected |
Based on 7 years of BLS OEWS data for the Middletown metropolitan area, the median actuary salary grew 20.0% from $96,028 (2019) to $115,216 (2025). At a 3.20% compound annual growth rate, salaries are projected to reach $122,708 by 2027 — a total increase of $26,680 (27.78%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Middletown 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.
Salary by Experience Level
| Experience | Estimated Salary Range |
|---|---|
| 0-2 years (New Graduate) | $74,823 – $90,047 |
| 3-5 years (Mid Career) | $90,047 – $118,903 |
| 5+ years (Experienced) | $118,903 – $151,322 |
| 10+ years (Top Earner) | $151,322 – $184,103 |
ASA, FSA salary ranges estimated from BLS percentile data. Individual actuary compensation varies by employer, certifications, and specialization.
Actuary Job Market in Middletown
A localized job market in Middletown employs six actuaries, which informs the salary dynamics in the area. The cost-of-living index of 101.7 indicates that while living costs are slightly above the national average, take-home pay may be affected. Companies such as Prudential and MetLife in the life insurance sector tend to offer the highest salaries, while consulting firms also present lucrative options, reflecting the broader trend of higher remuneration for FSAs and FCAS holders. Numerous factors contribute to the significant pay disparity, including the impact of exam progression on compensation, where each passed exam can add considerable value to one’s earnings. Actuaries specializing in property and casualty or consulting roles generally see higher pay than their life or health counterparts. To maximize earnings in Middletown, professionals can focus on gaining credentials quickly, pursuing specialty areas in demand, and considering positions with firms that offer not only competitive salaries but also benefits linked to exam success.
More salary data for Middletown, DE:
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
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 BLS reported a median annual salary of $115,216 for actuariesin the Middletown metropolitan area. A 3.20% compound annual growth rate (CAGR), calculated from 6-year national BLS wage trends, was applied to project current 2026 compensation. Percentile ranges (P10–P90) represent the full salary distribution across experience levels and practice settings in this market.
Data Sources & Methodology
Salary data for Middletown 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