Senior Actuary Salary in Annapolis, MD: $222,312 (2026)
Quick Answer:The top tier of actuaries working in Annapolis, MD — those at or above the 90th percentile — pull in $222,312/year or more for 2026, based on BLS OEWS 2025 estimates for SOC 15-2011. Strip back Annapolis's price premium (BEA RPP 109.3, 9% above national) and that top-decile pay carries the same buying power as $203,396 in average-cost America. The 55% spread above city median typically rewards 7+ years of practice or specialty credentials.
Based on BLS state-level estimates · View source
Annapolis offers a robust segment of the actuarial market, especially for seasoned professionals where the 2026 median annual salary sits at $143,427. For top earners, the potential reaches an impressive $222,312, greatly surpassing the national top-tier level, creating a notable incentive for experienced actuaries to refine their skills and expertise. The income gap between the median and the highest earners illustrates the experience premium in this demographic: achieving top-tier pay often hinges on specialized knowledge, leadership capabilities, and progression through professional credentials like ASA and FSA. As actuaries in Annapolis aim for these elevated salary ranges, ongoing education and targeted performance in high-demand areas will be essential for maximizing earnings in this competitive landscape.
About the Annapolis Market
Salary estimated from Maryland average ($130,000) adjusted for local cost of living.
2026 Salary Percentile Distribution in Annapolis
Experienced actuarys at the top of the pay scale in Annapolis earn between $181,260 and $222,312 per year (2026 est.). This $136,343 range from 10th to 90th percentile reflects significant earnings potential growth over a career. The Annapolis median of $143,427 sits 6.91% above the US median.
Top ASA, FSA Salary Comparison
| Level | Annapolis | National |
|---|---|---|
| Median (P50) | $143,427 | $134,160 |
| 75th Percentile | $181,260 | $176,111 |
| 90th Percentile (Top 10%) | $222,312 | $221,983 |
In Annapolis, experienced actuaries (P90) earn 55.00% more than the local median — reflecting the significant value of specialization and tenure in this market.
What Drives Top Actuary Pay in Annapolis
Advanced Certifications in Maryland
MD actuaries with additional specialty certifications within the actuarial science field earn significantly above the $143,427 median. Expanded-scope credentials are increasingly valued by Annapolis employers.
Specialty Focus
Actuaries focusing on high-acuity or specialty areas within the actuarial science field in Annapolis command premium compensation, often reaching the $181,260–$222,312 range.
Large Health-System & Multi-Site Experience
Large hospital systems and multi-site employers in the Annapolis metro area often pay above-market rates for experienced actuaries who demonstrate efficiency and leadership.
Employer Loyalty & Patient Relationships
Long-tenured actuaries in Annapolis with established relationships have strong negotiating leverage. In this developing market, retention bonuses and annual raises are common for top performers.
Continuing Education & Leadership
Actuaries in Maryland who pursue advanced degrees, mentor junior staff, or lead clinical education programs position themselves for the highest compensation tiers and management roles.
Actuary Career & Wage Growth Path in Annapolis
Clinical Actuary
0-5 yearsSenior/Lead Actuary
5-10 yearsActuary Department Manager
10+ yearsEducator / Specialty Leadership
AdvancedAnnapolis ranks #10 of 27 Maryland cities for top earner actuary salary (90th percentile: $222,312).
Top 10% actuary compensation in Annapolis ($222,312) is 8.4% above the Maryland average P90 ($205,093).
2019 BLS Actual
$193,887
2025 BLS Actual
$215,419
2026 Current Est.
$222,312
2019–2027 Growth
+18.3%
Salary Trajectory for Actuaries in Annapolis (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.20% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $193,887 | Actual |
| 2020 | $196,301 | Actual |
| 2021 | $207,127 | Actual |
| 2022 | $199,596 | Actual |
| 2023 | $209,620 | Actual |
| 2024 | $215,419 | Actual |
| 2025 | $215,419 | Actual |
| 2026(current) | $222,312 | Estimated |
| 2027 | $229,426 | Projected |
Top-earning actuaries (90th percentile) in Annapolis saw their compensation grow 11.1% from $193,887 in 2019 to $215,419 in 2025, based on 7 years of BLS OEWS data for this metropolitan area. At a 3.20% annual growth rate, senior-level pay is projected to reach $229,426 by 2027, reflecting continued demand for clinical expertise and expanded-function credentials.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Annapolis 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.
Maximizing Your Actuary Earnings in Annapolis
Compensation for senior actuaries in Annapolis can vary significantly based on specialization and employer type. Actuaries who focus on life and annuity, health, property & casualty, or enterprise risk management typically command higher pay in 2026 than peers in other domains. Major players in Annapolis, including Prudential, UnitedHealth, and Munich Re, offer differing salary structures based on industry needs. For senior actuaries pursuing leadership roles, clear advancement pathways exist—from actuarial analyst to Chief Actuary—encouraging a competitive pursuit of credentials. Additional earnings can be derived from successfully navigating the ASA-to-FSA exam progression, where each passed exam correlates to salary increases averaging between $3,000 and $8,000. With advanced credentials and strategic skill development in predictive analytics and capital modeling, senior actuaries can positively influence their overall compensation in this thriving MD market.
More salary data for Annapolis, MD:
Frequently Asked Questions
How much do experienced actuaries make in Annapolis in 2026?
What drives higher actuary pay in Annapolis?
What certifications boost actuary salary in Annapolis?
Can experienced actuaries make six figures in Annapolis?
How much does actuary salary increase over time in Annapolis?
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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
Top-earner salary figures on this page are 2026 projections derived from the Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) survey, May 2026 release. BLS reported a 90th percentile salary of $215,419 for actuaries in the Annapolis metro area. A 3.20% compound annual growth rate (CAGR), calculated from 6-year national BLS wage trends, was applied to project current 2026 senior-level compensation. Individual earnings depend on certifications, specialization, practice type, and years of clinical experience.
Data Sources & Methodology
Salary data for Annapolis 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