SOC 15-2011

Actuary Salary in Trenton-Princeton, NJ (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 + NJ
COL Index: 124.25 (+24.2% vs US)
Net Compensation Yield 68.2% Realized
$88,332 / net annual direct deposit
Gross Adjusted $129,540 $62.28/hr
Effective Tax Drag 25.81% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$33,435 $1,285.97/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 $62.28 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$7,772/yr)
0% Tax Shield: ~$1,710/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$17,959
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$8,031
Medicare Hospital Insurance
Statutory 1.45%
-$1,878
New Jersey Individual Income Tax
State Marginal Bracket
-$5,567
Net Take-Home Annual Realized
$88,332 ($3,397.40 / check)
Category 2 of 6

Trenton-Princeton, NJ Actuary Wage Distribution

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

Your Salary: $129,540
MIDDLE 50% (IQR RANGE) 10th $62.0k 25th $102k Median: $129,540 50th (Median) $130k 75th $173k 90th $173k You: $129,540
10th (Entry) $62,020 $29.82/hr
25th (Junior) $102,110 $49.09/hr
50th (Median) $129,540 $62.28/hr
75th (Senior) $172,690 $83.02/hr
90th (Lead/Master) $173,130 $83.24/hr
Career Progression & Licensing Milestones for Actuary in Trenton-Princeton, NJ
1
Actuarial Student / AnalystPassing SOA/CAS preliminary exams (P, FM), statistical modeling, Excel/R
$75,731$36.41/hr · 0-2 Years
2
Associate of Society of Actuaries (ASA)Pricing models, reserving analysis, actuarial valuation tables
$115,590$55.57/hr · 2-5 Years
3
Fellow of Society of Actuaries (FSA)Product development, statutory asset-liability management (ALM)
$157,441$75.69/hr · 5-8 Years
4
Chief Actuary / Risk OfficerInstitutional solvency governance, reinsurance negotiation, pricing oversight
$214,239$103.00/hr · 8+ Years
Scaled to the Trenton-Princeton, NJ 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 Trenton-Princeton, NJ under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
24% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,764/month Requires minimum annual gross of $70,560
HUD Fair Market Rent (2-Bedroom) $2,242/month Requires minimum annual gross of $89,680
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $27.48/hr
Per adult, 2 working adults + 1 child: $27.18/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 Trenton-Princeton, NJ.

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$129,540-$33,435$88,332$3,397.40
+5h Overtime/Wk45 hrs$153,829-$42,227$102,372$3,937.40
+10h Overtime/Wk50 hrs$178,118-$51,019$116,412$4,477.38
+15h Overtime/Wk55 hrs$202,406-$58,722$131,540$5,059.22
+20h Overtime/Wk60 hrs$226,695-$66,227$146,866$5,648.71
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 Trenton-Princeton, NJ: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$129,540/yr
$62.28/hr · SOC 15-2011
Statutory Tax Drag
25.81% Effective
-$33,435 in Total Taxes
HUD 1BR Shelter Ratio
24% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$5,597/mo
Post-$1,764/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 Trenton-Princeton, NJ: Market Snapshot

Actuary roles in Trenton-Princeton, NJ report a median annual wage of $129,540, 0.4% below the national median of $130,000. The 10th to 90th percentile band runs from $62,020 to $173,130, and HUD’s $1,764 monthly one-bedroom fair market rent equals 16.3% of that median gross pay. The single-adult living wage benchmark for the area is $27.48 per hour.

Highest-paying metropolitan areas for Actuary

Metropolitan areaMedian annual wageVs this market
Bridgeport-Stamford-Danbury, CT$194,130+49.9%
San Francisco-Oakland-Fremont, CA$175,330+35.3%
Hartford-West Hartford-East Hartford, CT$166,800+28.8%
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+11.7%
Waterbury-Shelton, CT$143,430+10.7%
Raleigh-Cary, NC$142,180+9.8%
New Haven, CT$141,020+8.9%
Miami-Fort Lauderdale-West Palm Beach, FL$139,810+7.9%

Top-paying occupations benchmarked in Trenton-Princeton, NJ

OccupationMedian annual wageMedian hourly
Marketing Managers$208,440$100.21/hr
Computer and Information Systems Managers$197,420$94.91/hr
Architectural and Engineering Managers$196,870$94.65/hr
Chief Executives$191,360$92.00/hr
Compensation and Benefits Managers$186,700$89.76/hr
Financial Manager$184,800$88.85/hr
Natural Sciences Managers$182,230$87.61/hr
General and Operations Managers$181,450$87.24/hr
Purchasing Managers$180,340$86.70/hr
Public Relations Managers$179,330$86.22/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 Trenton-Princeton, NJ (2026) Overview

Actuary median pay in Trenton-Princeton, NJ is $129,540 a year ($62.28/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents and living wage. Official 2026 economic data for Actuary in Trenton-Princeton, NJ 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 Trenton-Princeton, NJ?

The median annual wage is $129,540 ($62.28 per hour). The middle 80% of earners make between $62,020 and $173,130. Source: BLS OEWS (May 2025).

What is the take-home pay for an Actuary in Trenton-Princeton, NJ after taxes?

On the median wage of $129,540, a single filer with no pre-tax deductions takes home about $93,745 a year ($7,812 a month) after $35,795 in federal, FICA, state and local taxes, an effective rate of 27.63%, using 2026 tax rules.