SOC 15-2011

Actuary Salary in Baltimore-Columbia-Towson, MD (2026)

Data updated · Sources: BLS OEWS May 2025, HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Tax Tables: 2026 Fed + MD + Municipal
COL Index: 123.33 (+23.3% vs US)
Net Compensation Yield 65.5% Realized
$83,121 / net annual direct deposit
Gross Adjusted $126,950 $61.03/hr
Effective Tax Drag 28.52% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$36,212 $1,392.76/check
Category 1 of 6

Wage Benchmarking & After-Tax Paycheck Engine

Dynamic statutory tax calculations based on IRS Publication 15-T and state statutory schedules.

$
2,080 annual statutory base hours $61.03 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$7,617/yr)
0% Tax Shield: ~$1,676/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$17,423
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$7,871
Medicare Hospital Insurance
Statutory 1.45%
-$1,841
Maryland Individual Income Tax
State Marginal Bracket
-$5,417
Baltimore City local income tax
3.20%
-$3,660
Net Take-Home Annual Realized
$83,121 ($3,196.97 / check)
Category 2 of 6

Baltimore-Columbia-Towson, MD Actuary Wage Distribution

Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) Percentiles & Career Ladders

Your Salary: $126,950
MIDDLE 50% (IQR RANGE) 10th $76.7k 25th $97.3k Median: $126,950 50th (Median) $127k 75th $159k 90th $185k You: $126,950
10th (Entry) $76,670 $36.86/hr
25th (Junior) $97,270 $46.76/hr
50th (Median) $126,950 $61.03/hr
75th (Senior) $159,170 $76.52/hr
90th (Lead/Master) $185,220 $89.05/hr
Career Progression & Licensing Milestones for Actuary in Baltimore-Columbia-Towson, MD
1
Actuarial Student / AnalystPassing SOA/CAS preliminary exams (P, FM), statistical modeling, Excel/R
$74,217$35.68/hr · 0-2 Years
2
Associate of Society of Actuaries (ASA)Pricing models, reserving analysis, actuarial valuation tables
$113,278$54.46/hr · 2-5 Years
3
Fellow of Society of Actuaries (FSA)Product development, statutory asset-liability management (ALM)
$154,293$74.18/hr · 5-8 Years
4
Chief Actuary / Risk OfficerInstitutional solvency governance, reinsurance negotiation, pricing oversight
$209,956$100.94/hr · 8+ Years
Scaled to the Baltimore-Columbia-Towson, MD medianView National Actuary Salary Data
Adjacent Career Pivots & National Pay Differences
Economists-$5,280/yr
National median: $124,720
Skill overlap: 94%
Accountants and Auditors-$46,320/yr
National median: $83,680
Skill overlap: 93%View Salary
Personal Financial Advisors-$24,930/yr
National median: $105,070
Skill overlap: 89%
Compensation, Benefits, and Job Analysis Specialists-$51,790/yr
National median: $78,210
Skill overlap: 88%
Category 3 of 6

HUD Fair Market Rent & EPI Living Wage Affordability Index

Evaluating housing affordability vs. net take-home pay in Baltimore-Columbia-Towson, MD under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
23% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,625/month Requires minimum annual gross of $65,000
HUD Fair Market Rent (2-Bedroom) $2,006/month Requires minimum annual gross of $80,240
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $27.27/hr
Per adult, 2 working adults + 1 child: $25.25/hr
Category 4 of 6

Hourly Wage to Annual & Overtime Matrix

Translating base hourly pay and 1.5× overtime into net take-home pay based on 2,080 annual work hours in Baltimore-Columbia-Towson, MD.

Swipe horizontally to inspect full pay schedule
Schedule Total Hours/Wk Gross Annual Est. Taxes Net Take-Home Bi-Weekly Check
Standard (40 hrs)40 hrs$126,950-$36,212$83,121$3,196.97
+5h Overtime/Wk45 hrs$150,753-$45,285$96,423$3,708.57
+10h Overtime/Wk50 hrs$174,556-$54,461$109,622$4,216.22
+15h Overtime/Wk55 hrs$198,359-$62,739$123,718$4,758.40
+20h Overtime/Wk60 hrs$222,163-$70,601$138,232$5,316.62
Category 5 of 6

Interstate MSA Relocation & State Tax Migration Comparator

Calculate required compensation, cost-of-living differences, and annual state/local tax savings between two metropolitan areas.

Equivalent Salary in Austin, TX $83,505 Cost of Living Ratio: 69.6%
Annual State & Local Tax Delta +$8,331/yr Tax savings in Austin-Round Rock-San Marcos, TX
Annual Rent Difference (1BR) -$17,676/yr Based on HUD Fair Market Rents
Net Discretionary Cash Flow Impact

Combining state tax savings and annual rent variance when relocating from San Francisco-Oakland-Fremont, CA to Austin-Round Rock-San Marcos, TX.

+$26,007/year
Category 6 of 6 · Executive Economic Briefing
2026 Fiscal Intelligence

Actuary in Baltimore-Columbia-Towson, MD: Compensation & Purchasing Power Briefing (2026)

Estimates compiled from BLS OEWS wages, IRS 2026 withholding rules, HUD Fair Market Rents, and Maryland tax codes.

Market Baseline
$126,950/yr
$61.03/hr · SOC 15-2011
Statutory Tax Drag
28.52% Effective
-$36,212 in Total Taxes
HUD 1BR Shelter Ratio
23% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$5,302/mo
Post-$1,625/mo 1BR Rent

Key Economic & Compensation Takeaways

Statutory Withholding Architecture

Frequently Asked Questions

Verified Government Data Sources & Statutory Attribution

Wages sourced from US Bureau of Labor Statistics (BLS OEWS). Rents calibrated to HUD Fair Market Rents. Tax schedules calibrated to IRS IRC Title 26, IRS Pub 15-T, and state statutory revenue codes.

BLS OEWS May 2025 HUD FY2027 FMR IRS 15-T
Metro Pay Comparison SOC 15-2011
2026 Statutory Thresholds
  • Federal Standard Deduction (Single) $16,100
  • FICA OASDI Wage Base Cap $184,500
  • Pre-Tax 401(k) Elective Deferral $24,500
  • HSA Individual Annual Limit $4,400

Actuary in Baltimore-Columbia-Towson, MD: Market Snapshot

Actuary roles in Baltimore-Columbia-Towson, MD report a median annual wage of $126,950, 2.3% below the national median of $130,000. The 10th to 90th percentile band runs from $76,670 to $185,220, and HUD’s $1,625 monthly one-bedroom fair market rent equals 15.4% of that median gross pay. The single-adult living wage benchmark for the area is $27.27 per hour.

Highest-paying metropolitan areas for Actuary

Metropolitan areaMedian annual wageVs this market
Bridgeport-Stamford-Danbury, CT$194,130+52.9%
San Francisco-Oakland-Fremont, CA$175,330+38.1%
Hartford-West Hartford-East Hartford, CT$166,800+31.4%
Las Vegas-Henderson-North Las Vegas, NV$163,350+28.7%
New York-Newark-Jersey City, NY-NJ$161,460+27.2%
Washington-Arlington-Alexandria, DC-VA-MD-WV$144,680+14.0%
Waterbury-Shelton, CT$143,430+13.0%
Raleigh-Cary, NC$142,180+12.0%
New Haven, CT$141,020+11.1%
Miami-Fort Lauderdale-West Palm Beach, FL$139,810+10.1%

Top-paying occupations benchmarked in Baltimore-Columbia-Towson, MD

OccupationMedian annual wageMedian hourly
Chief Executives$268,030$128.86/hr
Computer and Information Systems Managers$168,520$81.02/hr
Architectural and Engineering Managers$167,350$80.46/hr
Financial Manager$157,990$75.96/hr
Natural Sciences Managers$156,730$75.35/hr
Purchasing Managers$151,990$73.07/hr
Human Resources Managers$146,370$70.37/hr
Marketing Managers$140,180$67.39/hr
Software Engineer$138,900$66.78/hr
Physician Assistant$138,790$66.73/hr

Wage data: U.S. Bureau of Labor Statistics OEWS May 2025, 72 metropolitan areas publishing this occupation; HUD FY2027 Fair Market Rents; EPI Family Budget Calculator. Taxes use 2026 federal and state rules. Data last updated .

Regional Labor Market & Career Mobility Network

Explore adjacent occupations and neighboring metropolitan wage benchmarks for peer compensation analysis.

Actuary Salary in Baltimore-Columbia-Towson, MD (2026) Overview

Actuary median pay in Baltimore-Columbia-Towson, MD is $126,950 a year ($61.03/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents. Official 2026 economic data for Actuary in Baltimore-Columbia-Towson, MD compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.

Quick answers
What is the median salary for an Actuary in Baltimore-Columbia-Towson, MD?

The median annual wage is $126,950 ($61.03 per hour). The middle 80% of earners make between $76,670 and $185,220. Source: BLS OEWS (May 2025).

What is the take-home pay for an Actuary in Baltimore-Columbia-Towson, MD after taxes?

On the median wage of $126,950, a single filer with no pre-tax deductions takes home about $88,269 a year ($7,356 a month) after $38,681 in federal, FICA, state and local taxes, an effective rate of 30.47%, using 2026 tax rules.