Actuary.
Miami.
$144,000
median salary, 14% above the national average
$104,000 to $188,000. Last updated August 2026.
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Data points to own the conversation.
If you are evaluating an Actuary offer in Miami, FL, here is the reality: $104,000 to $188,000, with $144,000 as the midpoint. 14% above 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 Miami, 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 $139,810 for Actuaries (SOC 15-2011) in the Miami-Fort Lauderdale-West Palm Beach, FL metropolitan area, based on 310 employed workers (May 2025 release).
10th percentile
$85,090
25th percentile
$104,650
Median
$139,810
75th percentile
$170,520
90th percentile
$209,680
Workers surveyed
310
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 Miami 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 $129,000. Where you land depends on years of experience and what you bring to the table.
Entry (0-2 yrs)
$94,000
to $115,000
Mid (3-5 yrs)
$122,000
to $151,000
Senior (6-9 yrs)
$158,000
to $187,000
Lead (10+ yrs)
$180,000
to $223,000
Total compensation.
Base salary is not the full picture. Equity, bonus, and signing can add $40,000 to the total package.
Base
$144,000
Equity
$23,000
Bonus
$14,000
Signing
$3,000
Estimated total: $184,000
How Miami compares.
Miami, FL
$144,000
Cost of living: 12% above average
National Average
$126,000
Miami is $18,000 above
Actuary salary by city.
Salary by role in Miami.
What you should know.
The Actuary landscape in Miami is not what most salary sites will tell you. Miami has rapidly evolved from a tourism and real estate center into a legitimate tech and finance hub. The city's crypto, fintech, and Latin American trade connections have drawn significant venture investment. Cost of living has surged recently, but the absence of state income tax keeps take home pay competitive with larger metros. 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 Miami, 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: florida has no state income tax, which is a major draw for high earners. Overall tax burden is low, though property insurance costs and rising housing prices offset some savings. When someone quotes you $144,000, ask what the total package looks like. The gap between base and total comp is where real money hides.
On negotiation: Use the no income tax benefit to frame your ask. Show employers that accepting 90 to 95% of a New York salary in Miami yields equivalent or better take home pay. The range for Actuarys in Miami runs from $104,000 to $188,000. 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?
- An AI Engineer in Miami earns $143,000 (1% less)
- The highest-paying role in Miami is CTO at $333,000
Common questions.
Actuary salary in other cities.
Other salaries in Miami.
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 Miami, FL." Orbyt Salary Explorer, August 2026. https://www.orbytlabs.ai/orbyt-jobs/salaries/actuary/miami
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