Actuary.
Louisville.
$108,000
median salary, 14% below the national average
$78,000 to $141,000. Last updated August 2026.
Get the job.
Data points to own the conversation.
Louisville is 12% cheaper than the national average. For Actuarys, that shakes out to a median of $108,000, with the full range spanning $78,000 to $141,000. Exam progress is the single most predictive salary factor for actuaries. Know the range before you walk in. 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 Louisville, modelled from national occupation wages adjusted for local cost of living. BLS does not publish this occupation for this metro area, so the national published benchmark is below.
Government benchmark for this occupation
The US Bureau of Labor Statistics reports a median annual wage of $130,000 for Actuaries (SOC 15-2011) across the United States, based on 26,670 employed workers (May 2025 release).
10th percentile
$78,570
25th percentile
$97,680
Median
$130,000
75th percentile
$170,650
90th percentile
$215,100
Workers surveyed
26,670
What BLS published in each release
May 2024 release
$125,770
May 2025 release
$130,000
These are two separate published estimates, not a time series. The Bureau of Labor Statistics does not encourage the use of OEWS data for time-series analysis. Differences between releases reflect changes in occupational classification, survey methodology, and the three-year pooled sample as well as any change in pay, so the two figures should not be read as a rate of wage growth.
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 national 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 $97,000. Where you land depends on years of experience and what you bring to the table.
Entry (0-2 yrs)
$70,000
to $86,000
Mid (3-5 yrs)
$92,000
to $113,000
Senior (6-9 yrs)
$119,000
to $140,000
Lead (10+ yrs)
$135,000
to $167,000
Total compensation.
Base salary is not the full picture. Equity, bonus, and signing can add $30,000 to the total package.
Base
$108,000
Equity
$17,000
Bonus
$11,000
Signing
$2,000
Estimated total: $138,000
How Louisville compares.
Louisville, KY
$108,000
Cost of living: 12% below average
National Average
$126,000
Louisville is $18,000 below
Actuary salary by city.
Salary by role in Louisville.
What you should know.
The Actuary landscape in Louisville is not what most salary sites will tell you. Louisville is home to UPS Worldport, the world's largest automated package handling facility, making it a logistics and supply chain powerhouse. The city also has strong healthcare and bourbon distillery industries. Its central location and affordable cost of living make it attractive for distribution and operations roles. 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 Louisville, your dollars stretch further. Cost of living runs 12% below the national average, which means even a median salary buys a stronger lifestyle.
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: kentucky has a flat 4% state income tax. Louisville has an occupational tax of about 2.2%. The combined rate is moderate, and the low cost of living offsets the local tax. When someone quotes you $108,000, ask what the total package looks like. The gap between base and total comp is where real money hides.
On negotiation: Leverage UPS and the logistics corridor when negotiating. Supply chain and operations professionals command premiums in Louisville's distribution heavy economy. The range for Actuarys in Louisville runs from $78,000 to $141,000. 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
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Common questions.
Actuary salary in other cities.
Other salaries in Louisville.
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 Louisville, KY." Orbyt Salary Explorer, August 2026. https://www.orbytlabs.ai/orbyt-jobs/salaries/actuary/louisville
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