Actuary.
Charleston.
$98,000
median salary, 20% below the national average
$74,000 to $130,000. Last updated April 2026.
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Data points to own the conversation.
Actuary pay in Charleston ranges from $74,000 to $130,000 in 2026. The median is $98,000, 20% below the national average. Charleston is West Virginia's capital and largest city, with an economy driven by government, energy, healthcare, and chemical manufacturing. Every dollar in that range is negotiable if you come prepared.
Salary range
Where do you fall?
Salary by experience
The gap between entry and lead level is typically $88,000. Where you land depends on years of experience and what you bring to the table.
Entry (0-2 yrs)
$64,000
to $78,000
Mid (3-5 yrs)
$83,000
to $103,000
Senior (6-9 yrs)
$108,000
to $127,000
Lead (10+ yrs)
$123,000
to $152,000
Salary trend
+4% YoYTotal compensation
Base salary is not the full picture. Equity, bonus, and signing can add $28,000 to the total package.
Base
$98,000
Equity
$16,000
Bonus
$10,000
Signing
$2,000
Estimated total: $126,000
How Charleston compares
Charleston, WV
$98,000
Cost of living: 22% below average
National Average
$122,000
Charleston is $24,000 below
Actuary salary by city
Salary by role in Charleston
What you should know
If you are interviewing for Actuary roles in Charleston, here is what you are walking into. Charleston is West Virginia's capital and largest city, with an economy driven by government, energy, healthcare, and chemical manufacturing. The city offers some of the lowest living costs in the nation. Federal and state government roles provide stable employment anchors. Exam progress is the single most predictive salary factor for actuaries. Each passed SOA or CAS exam adds approximately $5,000 to $15,000 in base salary. Fully credentialed fellows earn 40 to 60% more than entry-level associates. Consulting actuaries typically earn more than insurance company actuaries at equivalent experience levels.
Entry-level actuarial analysts with zero to two exams earn $65,000 to $85,000. Associates (ASA) earn $90,000 to $120,000. Fellows (FSA/FCAS) reach $130,000 to $180,000. Chief actuaries and actuarial directors earn $175,000 to $280,000. Consulting principals can exceed $350,000. In Charleston, your dollars stretch further. Cost of living runs 22% below the national average, which means even a median salary buys a stronger lifestyle.
Base salary is not the full picture. Exam bonuses of $2,000 to $5,000 per passed exam are standard, plus paid study time (typically 100 to 200 hours). Annual bonuses of 10 to 20% are common. Consulting firms offer higher variable pay. Many employers cover exam fees, study materials, and raise base salary with each credential milestone. And on the tax side: west Virginia's top income tax rate is 5.12%. Charleston has no city income tax. The very low cost of living means even moderate salaries deliver strong purchasing power. When someone quotes you $98,000, ask what the total package looks like. The gap between base and total comp is where real money hides.
On negotiation: Benchmark against federal government pay scales. Charleston employers often align with GS grades, and understanding the federal pay system gives you negotiating leverage. The range for Actuarys in Charleston runs from $74,000 to $130,000. That is not a narrow window. Where you land inside it depends almost entirely on whether you negotiate and how well you prepare.
Sources: SEC filings, H-1B LCA (DOL), BLS OES, 50+ job posting platforms. COL: BEA Regional Price Parities (2025). Data verified by Justin Bartak, Founder & Chief AI Officer. Last verified April 8, 2026. Full methodology
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Common questions.
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