SOC 15-2011

Actuary Salary in St. Louis, MO-IL (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 + MO + Municipal
COL Index: 102.33 (+2.3% vs US)
Net Compensation Yield 67.8% Realized
$87,751 / net annual direct deposit
Gross Adjusted $129,360 $62.19/hr
Effective Tax Drag 26.16% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$33,847 $1,301.81/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 $62.19 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$7,762/yr)
0% Tax Shield: ~$1,708/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$17,922
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$8,020
Medicare Hospital Insurance
Statutory 1.45%
-$1,876
Missouri Individual Income Tax
State Marginal Bracket
-$4,736
St. Louis earnings tax
1.00%
-$1,294
Net Take-Home Annual Realized
$87,751 ($3,375.06 / check)
Category 2 of 6

St. Louis, MO-IL Actuary Wage Distribution

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

Your Salary: $129,360
MIDDLE 50% (IQR RANGE) 10th $79.0k 25th $102k Median: $129,360 50th (Median) $129k 75th $176k 90th $203k You: $129,360
10th (Entry) $78,980 $37.97/hr
25th (Junior) $101,610 $48.85/hr
50th (Median) $129,360 $62.19/hr
75th (Senior) $176,210 $84.72/hr
90th (Lead/Master) $203,280 $97.73/hr
Career Progression & Licensing Milestones for Actuary in St. Louis, MO-IL
1
Actuarial Student / AnalystPassing SOA/CAS preliminary exams (P, FM), statistical modeling, Excel/R
$75,626$36.36/hr · 0-2 Years
2
Associate of Society of Actuaries (ASA)Pricing models, reserving analysis, actuarial valuation tables
$115,429$55.49/hr · 2-5 Years
3
Fellow of Society of Actuaries (FSA)Product development, statutory asset-liability management (ALM)
$157,222$75.59/hr · 5-8 Years
4
Chief Actuary / Risk OfficerInstitutional solvency governance, reinsurance negotiation, pricing oversight
$213,942$102.86/hr · 8+ Years
Scaled to the St. Louis, MO-IL 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 St. Louis, MO-IL under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
15% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,104/month Requires minimum annual gross of $44,160
HUD Fair Market Rent (2-Bedroom) $1,349/month Requires minimum annual gross of $53,960
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $22.63/hr
Per adult, 2 working adults + 1 child: $21.07/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 St. Louis, MO-IL.

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$129,360-$33,847$87,751$3,375.06
+5h Overtime/Wk45 hrs$153,615-$42,527$101,871$3,918.13
+10h Overtime/Wk50 hrs$177,870-$51,168$116,030$4,462.68
+15h Overtime/Wk55 hrs$202,125-$58,736$131,261$5,048.51
+20h Overtime/Wk60 hrs$226,380-$66,092$146,705$5,642.50
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 St. Louis, MO-IL: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$129,360/yr
$62.19/hr · SOC 15-2011
Statutory Tax Drag
26.16% Effective
-$33,847 in Total Taxes
HUD 1BR Shelter Ratio
15% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$6,209/mo
Post-$1,104/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 St. Louis, MO-IL: Market Snapshot

Actuary roles in St. Louis, MO-IL report a median annual wage of $129,360, 0.5% below the national median of $130,000. The 10th to 90th percentile band runs from $78,980 to $203,280, and HUD’s $1,104 monthly one-bedroom fair market rent equals 10.2% of that median gross pay. The single-adult living wage benchmark for the area is $22.63 per hour.

Highest-paying metropolitan areas for Actuary

Metropolitan areaMedian annual wageVs this market
Bridgeport-Stamford-Danbury, CT$194,130+50.1%
San Francisco-Oakland-Fremont, CA$175,330+35.5%
Hartford-West Hartford-East Hartford, CT$166,800+28.9%
Las Vegas-Henderson-North Las Vegas, NV$163,350+26.3%
New York-Newark-Jersey City, NY-NJ$161,460+24.8%
Washington-Arlington-Alexandria, DC-VA-MD-WV$144,680+11.8%
Waterbury-Shelton, CT$143,430+10.9%
Raleigh-Cary, NC$142,180+9.9%
New Haven, CT$141,020+9.0%
Miami-Fort Lauderdale-West Palm Beach, FL$139,810+8.1%

Top-paying occupations benchmarked in St. Louis, MO-IL

OccupationMedian annual wageMedian hourly
Chief Executives$202,840$97.52/hr
Computer and Information Systems Managers$167,130$80.35/hr
Architectural and Engineering Managers$162,660$78.20/hr
Natural Sciences Managers$158,820$76.36/hr
Financial Manager$158,780$76.34/hr
Marketing Managers$137,900$66.30/hr
Physician Assistant$136,120$65.44/hr
Purchasing Managers$135,400$65.10/hr
Human Resources Managers$133,880$64.37/hr
Nurse Practitioner$131,580$63.26/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 St. Louis, MO-IL (2026) Overview

Actuary median pay in St. Louis, MO-IL is $129,360 a year ($62.19/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents and living wage.

Quick answers
What is the median salary for an Actuary in St. Louis, MO-IL?

The median annual wage is $129,360 ($62.19 per hour). The middle 80% of earners make between $78,980 and $203,280. Source: BLS OEWS (May 2025).

What is the take-home pay for an Actuary in St. Louis, MO-IL after taxes?

On the median wage of $129,360, a single filer with no pre-tax deductions takes home about $93,247 a year ($7,771 a month) after $36,113 in federal, FICA, state and local taxes, an effective rate of 27.92%, using 2026 tax rules.