SOC 15-2011

Actuary Salary in Boston-Cambridge-Newton, MA-NH (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 + MA
COL Index: 162.67 (+62.7% vs US)
Net Compensation Yield 68.0% Realized
$88,061 / net annual direct deposit
Gross Adjusted $129,590 $62.30/hr
Effective Tax Drag 26.05% Combined Jurisdictions
Marginal Top Bracket 24% Federal Statutory
Total Withheld -$33,754 $1,298.23/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 $62.30 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$7,775/yr)
0% Tax Shield: ~$1,866/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$17,970
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$8,035
Medicare Hospital Insurance
Statutory 1.45%
-$1,879
Massachusetts Individual Income Tax
State Marginal Bracket
-$5,871
Net Take-Home Annual Realized
$88,061 ($3,386.95 / check)
Category 2 of 6

Boston-Cambridge-Newton, MA-NH Actuary Wage Distribution

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

Your Salary: $129,590
MIDDLE 50% (IQR RANGE) 10th $86.2k 25th $100.0k Median: $129,590 50th (Median) $130k 75th $167k 90th $180k You: $129,590
10th (Entry) $86,180 $41.43/hr
25th (Junior) $99,980 $48.07/hr
50th (Median) $129,590 $62.30/hr
75th (Senior) $167,350 $80.46/hr
90th (Lead/Master) $179,750 $86.42/hr
Career Progression & Licensing Milestones for Actuary in Boston-Cambridge-Newton, MA-NH
1
Actuarial Student / AnalystPassing SOA/CAS preliminary exams (P, FM), statistical modeling, Excel/R
$75,760$36.42/hr · 0-2 Years
2
Associate of Society of Actuaries (ASA)Pricing models, reserving analysis, actuarial valuation tables
$115,634$55.59/hr · 2-5 Years
3
Fellow of Society of Actuaries (FSA)Product development, statutory asset-liability management (ALM)
$157,502$75.72/hr · 5-8 Years
4
Chief Actuary / Risk OfficerInstitutional solvency governance, reinsurance negotiation, pricing oversight
$214,322$103.04/hr · 8+ Years
Scaled to the Boston-Cambridge-Newton, MA-NH 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 Boston-Cambridge-Newton, MA-NH under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
34% of Net Income
⚠️ Cost-Burdened (Exceeds 30% Rule)
HUD Fair Market Rent (1-Bedroom) $2,518/month Requires minimum annual gross of $100,720
HUD Fair Market Rent (2-Bedroom) $3,008/month Requires minimum annual gross of $120,320
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $35.97/hr
Per adult, 2 working adults + 1 child: $31.43/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 Boston-Cambridge-Newton, MA-NH.

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$129,590-$33,754$88,061$3,386.95
+5h Overtime/Wk45 hrs$153,888-$42,236$102,418$3,939.17
+10h Overtime/Wk50 hrs$178,186-$50,719$116,776$4,491.39
+15h Overtime/Wk55 hrs$202,484-$58,109$132,227$5,085.64
+20h Overtime/Wk60 hrs$226,783-$65,303$147,872$5,687.39
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 Boston-Cambridge-Newton, MA-NH: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$129,590/yr
$62.30/hr · SOC 15-2011
Statutory Tax Drag
26.05% Effective
-$33,754 in Total Taxes
HUD 1BR Shelter Ratio
34% Net Pay
⚠️ Exceeds 30% HUD Rule
Monthly Discretionary
+$4,820/mo
Post-$2,518/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 Boston-Cambridge-Newton, MA-NH: Market Snapshot

Actuary roles in Boston-Cambridge-Newton, MA-NH report a median annual wage of $129,590, 0.3% below the national median of $130,000. The 10th to 90th percentile band runs from $86,180 to $179,750, and HUD’s $2,518 monthly one-bedroom fair market rent equals 23.3% of that median gross pay. The single-adult living wage benchmark for the area is $35.97 per hour.

Highest-paying metropolitan areas for Actuary

Metropolitan areaMedian annual wageVs this market
Bridgeport-Stamford-Danbury, CT$194,130+49.8%
San Francisco-Oakland-Fremont, CA$175,330+35.3%
Hartford-West Hartford-East Hartford, CT$166,800+28.7%
Las Vegas-Henderson-North Las Vegas, NV$163,350+26.1%
New York-Newark-Jersey City, NY-NJ$161,460+24.6%
Washington-Arlington-Alexandria, DC-VA-MD-WV$144,680+11.6%
Waterbury-Shelton, CT$143,430+10.7%
Raleigh-Cary, NC$142,180+9.7%
New Haven, CT$141,020+8.8%
Miami-Fort Lauderdale-West Palm Beach, FL$139,810+7.9%

Top-paying occupations benchmarked in Boston-Cambridge-Newton, MA-NH

OccupationMedian annual wageMedian hourly
Natural Sciences Managers$291,000$139.90/hr
Computer and Information Systems Managers$214,960$103.35/hr
Marketing Managers$213,910$102.84/hr
Financial Manager$209,780$100.86/hr
Sales Managers$206,610$99.33/hr
Architectural and Engineering Managers$205,130$98.62/hr
Compensation and Benefits Managers$185,590$89.23/hr
Human Resources Managers$184,990$88.94/hr
Public Relations Managers$176,390$84.80/hr
Purchasing Managers$174,640$83.96/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 Boston-Cambridge-Newton, MA-NH (2026) Overview

Actuary median pay in Boston-Cambridge-Newton, MA-NH is $129,590 a year ($62.30/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents. Official 2026 economic data for Actuary in Boston-Cambridge-Newton, MA-NH 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 Boston-Cambridge-Newton, MA-NH?

The median annual wage is $129,590 ($62.30 per hour). The middle 80% of earners make between $86,180 and $179,750. Source: BLS OEWS (May 2025).

What is the take-home pay for an Actuary in Boston-Cambridge-Newton, MA-NH after taxes?

On the median wage of $129,590, a single filer with no pre-tax deductions takes home about $93,581 a year ($7,798 a month) after $36,009 in federal, FICA, state and local taxes, an effective rate of 27.79%, using 2026 tax rules.