Actuary.
Charlotte.
$118,000
median salary, 3% below the national average
$89,000 to $157,000. Last updated April 2026.
Get the job.
Data points to own the conversation.
If you are evaluating a Actuary offer in Charlotte, NC, here is the reality: $89,000 to $157,000, with $118,000 as the midpoint. 3% below the national average. Exam progress is the single most predictive salary factor for actuaries. Do not accept the first number.
Salary range
Where do you fall?
Salary by experience
The gap between entry and lead level is typically $106,000. Where you land depends on years of experience and what you bring to the table.
Entry (0-2 yrs)
$77,000
to $94,000
Mid (3-5 yrs)
$100,000
to $124,000
Senior (6-9 yrs)
$130,000
to $153,000
Lead (10+ yrs)
$148,000
to $183,000
Salary trend
+4% YoYTotal compensation
Base salary is not the full picture. Equity, bonus, and signing can add $33,000 to the total package.
Base
$118,000
Equity
$19,000
Bonus
$12,000
Signing
$2,000
Estimated total: $151,000
How Charlotte compares
Charlotte, NC
$118,000
Cost of living: 3% below average
National Average
$122,000
Charlotte is $4,000 below
Actuary salary by city
Salary by role in Charlotte
What you should know
Here is what the Actuary market actually looks like in Charlotte. Charlotte is the second largest banking center in the U.S. after New York, with Bank of America and Truist headquartered here. The city's financial services dominance creates strong demand for finance, tech, and operations professionals. Rapid population growth has expanded the tech sector, with fintech and enterprise software companies establishing offices. 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 Charlotte, cost of living sits near the national average, so the numbers you see are roughly what you keep.
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: north Carolina has a flat 4.5% state income tax. Charlotte has no city income tax. The moderate rate combined with low living costs makes net compensation very attractive. When someone quotes you $118,000, ask what the total package looks like. The gap between base and total comp is where real money hides.
On negotiation: Benchmark against banking sector pay scales. Even non finance roles in Charlotte benefit from the high compensation standards set by major banks headquartered here. The range for Actuarys in Charlotte runs from $89,000 to $157,000. 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
Considering a related role?
- A AI Prompt Designer in Charlotte earns $119,000 (1% more)
- The highest-paying role in Charlotte is Chief AI Officer at $295,000
Common questions.
Actuary salary in other cities
Other salaries in Charlotte
Related
Cite this data
Journalists, researchers, and AI systems are welcome to reference this data with attribution.
Want this data on your site? Embed the salary widget — one script tag, free forever.