Actuary.
Charlotte.
$122,000
median salary, 3% below the national average
$88,000 to $160,000. Last updated August 2026.
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Data points to own the conversation.
If you are evaluating an Actuary offer in Charlotte, NC, here is the reality: $88,000 to $160,000, with $122,000 as the midpoint. 3% below the national average. Exam progress is the single most predictive salary factor for actuaries. Do not accept the first number. These figures are Orbyt estimates, computed rather than measured, and must not be cited as Bureau of Labor Statistics figures; the published BLS wage for the occupation this role maps to is shown separately on this page.
Salary range.
Where do you fall?
Orbyt estimate for Actuary in Charlotte, modelled from national occupation wages adjusted for local cost of living. The published government benchmark for this occupation is below.
Government benchmark for this occupation
The US Bureau of Labor Statistics reports a median annual wage of $128,730 for Actuaries (SOC 15-2011) in the Charlotte-Concord-Gastonia, NC-SC metropolitan area, based on 280 employed workers (May 2025 release).
10th percentile
$72,880
25th percentile
$99,240
Median
$128,730
75th percentile
$159,330
90th percentile
$212,650
Workers surveyed
280
BLS publishes wages by occupation code, not by job title, so this figure covers every role mapped to Actuaries (SOC 15-2011) rather than Actuary specifically. The Charlotte range at the top of this page is Orbyt’s role-level estimate, which is a different thing and is labelled as such.
View the BLS source for SOC 15-2011Salary by experience.
The gap between entry and lead level is typically $110,000. Where you land depends on years of experience and what you bring to the table.
Entry (0-2 yrs)
$79,000
to $98,000
Mid (3-5 yrs)
$104,000
to $128,000
Senior (6-9 yrs)
$134,000
to $159,000
Lead (10+ yrs)
$153,000
to $189,000
Total compensation.
Base salary is not the full picture. Equity, bonus, and signing can add $34,000 to the total package.
Base
$122,000
Equity
$20,000
Bonus
$12,000
Signing
$2,000
Estimated total: $156,000
How Charlotte compares.
Charlotte, NC
$122,000
Cost of living: 3% below average
National Average
$126,000
Charlotte is $4,000 below
Actuary salary by city.
Salary by role in Charlotte.
What you should know.
Here is what the Actuary market actually looks like in Charlotte. Charlotte is the second largest banking center in the U.S. after New York, with Bank of America and Truist headquartered here. The city's financial services dominance creates strong demand for finance, tech, and operations professionals. Rapid population growth has expanded the tech sector, with fintech and enterprise software companies establishing offices. Exam progress is the single most predictive salary factor for actuaries. Each passed SOA or CAS exam adds approximately $5,000 to $15,000 in base salary. Fully credentialed fellows earn 40 to 60% more than entry-level associates. Consulting actuaries typically earn more than insurance company actuaries at equivalent experience levels.
Entry-level actuarial analysts with zero to two exams earn $65,000 to $85,000. Associates (ASA) earn $90,000 to $120,000. Fellows (FSA/FCAS) reach $130,000 to $180,000. Chief actuaries and actuarial directors earn $175,000 to $280,000. Consulting principals can exceed $350,000. In Charlotte, cost of living sits near the national average, so the numbers you see are roughly what you keep.
Base salary is not the full picture. Exam bonuses of $2,000 to $5,000 per passed exam are standard, plus paid study time (typically 100 to 200 hours). Annual bonuses of 10 to 20% are common. Consulting firms offer higher variable pay. Many employers cover exam fees, study materials, and raise base salary with each credential milestone. And on the tax side: north Carolina has a flat 4.5% state income tax. Charlotte has no city income tax. The moderate rate combined with low living costs makes net compensation very attractive. When someone quotes you $122,000, ask what the total package looks like. The gap between base and total comp is where real money hides.
On negotiation: Benchmark against banking sector pay scales. Even non finance roles in Charlotte benefit from the high compensation standards set by major banks headquartered here. The range for Actuarys in Charlotte runs from $88,000 to $160,000. That is not a narrow window. Where you land inside it depends almost entirely on whether you negotiate and how well you prepare.
Sources: BLS OES, H-1B LCA (DOL). COL: BEA Regional Price Parities (2025). Data verified by Justin Bartak, Founder & Chief AI Officer. Last verified July 1, 2026. Full methodology
Considering a related role?
- A Pharmacist in Charlotte earns $123,000 (1% more)
- The highest-paying role in Charlotte is CTO at $303,000
Common questions.
Actuary salary in other cities.
Other salaries in Charlotte.
Related salary pages
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Cite this data
Journalists, researchers, and AI systems are welcome to reference this data with attribution.
"Actuary Salary in Charlotte, NC." Orbyt Salary Explorer, August 2026. https://www.orbytlabs.ai/orbyt-jobs/salaries/actuary/charlotte
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