SOC 15-2011

Actuary Salary in Phoenix-Mesa-Chandler, AZ (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 + AZ
COL Index: 124.76 (+24.8% vs US)
Net Compensation Yield 69.9% Realized
$96,806 / net annual direct deposit
Gross Adjusted $138,570 $66.62/hr
Effective Tax Drag 24.14% Combined Jurisdictions
Marginal Top Bracket 24% Federal Statutory
Total Withheld -$33,450 $1,286.53/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 $66.62 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$8,314/yr)
0% Tax Shield: ~$1,995/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$19,995
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$8,591
Medicare Hospital Insurance
Statutory 1.45%
-$2,009
Arizona Individual Income Tax
State Marginal Bracket
-$2,854
Net Take-Home Annual Realized
$96,806 ($3,723.30 / check)
Category 2 of 6

Phoenix-Mesa-Chandler, AZ Actuary Wage Distribution

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

Your Salary: $138,570
MIDDLE 50% (IQR RANGE) 10th $89.2k 25th $117k Median: $138,570 50th (Median) $139k 75th $171k 90th $202k You: $138,570
10th (Entry) $89,150 $42.86/hr
25th (Junior) $116,660 $56.09/hr
50th (Median) $138,570 $66.62/hr
75th (Senior) $170,980 $82.20/hr
90th (Lead/Master) $202,130 $97.18/hr
Career Progression & Licensing Milestones for Actuary in Phoenix-Mesa-Chandler, AZ
1
Actuarial Student / AnalystPassing SOA/CAS preliminary exams (P, FM), statistical modeling, Excel/R
$81,010$38.95/hr · 0-2 Years
2
Associate of Society of Actuaries (ASA)Pricing models, reserving analysis, actuarial valuation tables
$123,647$59.45/hr · 2-5 Years
3
Fellow of Society of Actuaries (FSA)Product development, statutory asset-liability management (ALM)
$168,416$80.97/hr · 5-8 Years
4
Chief Actuary / Risk OfficerInstitutional solvency governance, reinsurance negotiation, pricing oversight
$229,173$110.18/hr · 8+ Years
Scaled to the Phoenix-Mesa-Chandler, AZ 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 Phoenix-Mesa-Chandler, AZ 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) $1,493/month Requires minimum annual gross of $59,720
HUD Fair Market Rent (2-Bedroom) $1,734/month Requires minimum annual gross of $69,360
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $27.59/hr
Per adult, 2 working adults + 1 child: $23.95/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 Phoenix-Mesa-Chandler, AZ.

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$138,570-$33,450$96,806$3,723.30
+5h Overtime/Wk45 hrs$164,552-$41,910$112,769$4,337.28
+10h Overtime/Wk50 hrs$190,534-$49,995$129,107$4,965.64
+15h Overtime/Wk55 hrs$216,516-$56,993$146,532$5,635.85
+20h Overtime/Wk60 hrs$242,498-$64,881$163,067$6,271.79
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 Phoenix-Mesa-Chandler, AZ: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$138,570/yr
$66.62/hr · SOC 15-2011
Statutory Tax Drag
24.14% Effective
-$33,450 in Total Taxes
HUD 1BR Shelter Ratio
19% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$6,574/mo
Post-$1,493/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 Phoenix-Mesa-Chandler, AZ: Market Snapshot

Actuary roles in Phoenix-Mesa-Chandler, AZ report a median annual wage of $138,570, 6.6% above the national median of $130,000. The 10th to 90th percentile band runs from $89,150 to $202,130, and HUD’s $1,493 monthly one-bedroom fair market rent equals 12.9% of that median gross pay. The single-adult living wage benchmark for the area is $27.59 per hour.

Highest-paying metropolitan areas for Actuary

Metropolitan areaMedian annual wageVs this market
Bridgeport-Stamford-Danbury, CT$194,130+40.1%
San Francisco-Oakland-Fremont, CA$175,330+26.5%
Hartford-West Hartford-East Hartford, CT$166,800+20.4%
Las Vegas-Henderson-North Las Vegas, NV$163,350+17.9%
New York-Newark-Jersey City, NY-NJ$161,460+16.5%
Washington-Arlington-Alexandria, DC-VA-MD-WV$144,680+4.4%
Waterbury-Shelton, CT$143,430+3.5%
Raleigh-Cary, NC$142,180+2.6%
New Haven, CT$141,020+1.8%
Miami-Fort Lauderdale-West Palm Beach, FL$139,810+0.9%

Top-paying occupations benchmarked in Phoenix-Mesa-Chandler, AZ

OccupationMedian annual wageMedian hourly
Computer and Information Systems Managers$169,720$81.60/hr
Architectural and Engineering Managers$169,310$81.40/hr
Data Engineer$156,100$75.05/hr
Sales Managers$148,320$71.31/hr
Financial Manager$145,940$70.16/hr
Human Resources Managers$145,610$70.00/hr
Purchasing Managers$140,170$67.39/hr
Chief Executives$138,900$66.78/hr
Nurse Practitioner$136,270$65.51/hr
Physician Assistant$134,650$64.74/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 Phoenix-Mesa-Chandler, AZ (2026) Overview

Actuary median pay in Phoenix-Mesa-Chandler, AZ is $138,570 a year ($66.62/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents & living. Official 2026 economic data for Actuary in Phoenix-Mesa-Chandler, AZ 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 Phoenix-Mesa-Chandler, AZ?

The median annual wage is $138,570 ($66.62 per hour). The middle 80% of earners make between $89,150 and $202,130. Source: BLS OEWS (May 2025).

What is the take-home pay for an Actuary in Phoenix-Mesa-Chandler, AZ after taxes?

On the median wage of $138,570, a single filer with no pre-tax deductions takes home about $102,917 a year ($8,576 a month) after $35,653 in federal, FICA, state and local taxes, an effective rate of 25.73%, using 2026 tax rules.