SOC 15-2011

Actuary Salary in Buffalo-Cheektowaga, NY (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 + NY
COL Index: 105.65 (+5.7% vs US)
Net Compensation Yield 69.1% Realized
$76,121 / net annual direct deposit
Gross Adjusted $110,190 $52.98/hr
Effective Tax Drag 24.92% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$27,458 $1,056.07/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 $52.98 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$6,611/yr)
0% Tax Shield: ~$1,455/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$13,957
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$6,832
Medicare Hospital Insurance
Statutory 1.45%
-$1,598
New York Individual Income Tax
State Marginal Bracket
-$5,071
Net Take-Home Annual Realized
$76,121 ($2,927.73 / check)
Category 2 of 6

Buffalo-Cheektowaga, NY Actuary Wage Distribution

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

Your Salary: $110,190
MIDDLE 50% (IQR RANGE) 10th $75.5k 25th $79.5k Median: $110,190 50th (Median) $110k 75th $137k 90th $165k You: $110,190
10th (Entry) $75,480 $36.29/hr
25th (Junior) $79,490 $38.22/hr
50th (Median) $110,190 $52.98/hr
75th (Senior) $136,660 $65.70/hr
90th (Lead/Master) $164,720 $79.19/hr
Career Progression & Licensing Milestones for Actuary in Buffalo-Cheektowaga, NY
1
Actuarial Student / AnalystPassing SOA/CAS preliminary exams (P, FM), statistical modeling, Excel/R
$64,419$30.97/hr · 0-2 Years
2
Associate of Society of Actuaries (ASA)Pricing models, reserving analysis, actuarial valuation tables
$98,323$47.27/hr · 2-5 Years
3
Fellow of Society of Actuaries (FSA)Product development, statutory asset-liability management (ALM)
$133,923$64.39/hr · 5-8 Years
4
Chief Actuary / Risk OfficerInstitutional solvency governance, reinsurance negotiation, pricing oversight
$182,237$87.61/hr · 8+ Years
Scaled to the Buffalo-Cheektowaga, NY 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 Buffalo-Cheektowaga, NY under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
19% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,203/month Requires minimum annual gross of $48,120
HUD Fair Market Rent (2-Bedroom) $1,423/month Requires minimum annual gross of $56,920
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $23.36/hr
Per adult, 2 working adults + 1 child: $22.99/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 Buffalo-Cheektowaga, NY.

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$110,190-$27,458$76,121$2,927.73
+5h Overtime/Wk45 hrs$130,851-$34,655$88,344$3,397.86
+10h Overtime/Wk50 hrs$151,511-$42,263$100,157$3,852.20
+15h Overtime/Wk55 hrs$172,172-$49,824$112,018$4,308.38
+20h Overtime/Wk60 hrs$192,833-$56,695$124,568$4,791.08
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 Buffalo-Cheektowaga, NY: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$110,190/yr
$52.98/hr · SOC 15-2011
Statutory Tax Drag
24.92% Effective
-$27,458 in Total Taxes
HUD 1BR Shelter Ratio
19% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$5,140/mo
Post-$1,203/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 Buffalo-Cheektowaga, NY: Market Snapshot

Actuary roles in Buffalo-Cheektowaga, NY report a median annual wage of $110,190, 15.2% below the national median of $130,000. The 10th to 90th percentile band runs from $75,480 to $164,720, and HUD’s $1,203 monthly one-bedroom fair market rent equals 13.1% of that median gross pay. The single-adult living wage benchmark for the area is $23.36 per hour.

Highest-paying metropolitan areas for Actuary

Metropolitan areaMedian annual wageVs this market
Bridgeport-Stamford-Danbury, CT$194,130+76.2%
San Francisco-Oakland-Fremont, CA$175,330+59.1%
Hartford-West Hartford-East Hartford, CT$166,800+51.4%
Las Vegas-Henderson-North Las Vegas, NV$163,350+48.2%
New York-Newark-Jersey City, NY-NJ$161,460+46.5%
Washington-Arlington-Alexandria, DC-VA-MD-WV$144,680+31.3%
Waterbury-Shelton, CT$143,430+30.2%
Raleigh-Cary, NC$142,180+29.0%
New Haven, CT$141,020+28.0%
Miami-Fort Lauderdale-West Palm Beach, FL$139,810+26.9%

Top-paying occupations benchmarked in Buffalo-Cheektowaga, NY

OccupationMedian annual wageMedian hourly
Chief Executives$239,990$115.38/hr
Computer and Information Systems Managers$172,650$83.00/hr
Financial Manager$164,230$78.96/hr
Architectural and Engineering Managers$164,120$78.90/hr
Sales Managers$163,090$78.41/hr
Advertising and Promotions Managers$156,500$75.24/hr
Human Resources Managers$150,180$72.20/hr
Compensation and Benefits Managers$144,510$69.48/hr
Marketing Managers$144,390$69.42/hr
Natural Sciences Managers$139,570$67.10/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 Buffalo-Cheektowaga, NY (2026) Overview

Actuary median pay in Buffalo-Cheektowaga, NY is $110,190 a year ($52.98/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents & living. Official 2026 economic data for Actuary in Buffalo-Cheektowaga, NY 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 Buffalo-Cheektowaga, NY?

The median annual wage is $110,190 ($52.98 per hour). The middle 80% of earners make between $75,480 and $164,720. Source: BLS OEWS (May 2025).

What is the take-home pay for an Actuary in Buffalo-Cheektowaga, NY after taxes?

On the median wage of $110,190, a single filer with no pre-tax deductions takes home about $80,859 a year ($6,738 a month) after $29,331 in federal, FICA, state and local taxes, an effective rate of 26.62%, using 2026 tax rules.