Actuary.
Sacramento.
$137,000
median salary, 12% above the national average
$103,000 to $182,000. Last updated April 2026.
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Data points to own the conversation.
The median Actuary salary in Sacramento is $137,000, 12% above the national average. Entry level starts near $103,000. Experienced professionals push past $182,000. Sacramento is California's capital with a growing tech presence as Bay Area companies and remote workers seek lower costs. That spread is your negotiation window.
Salary range
Where do you fall?
Salary by experience
The gap between entry and lead level is typically $123,000. Where you land depends on years of experience and what you bring to the table.
Entry (0-2 yrs)
$89,000
to $110,000
Mid (3-5 yrs)
$116,000
to $144,000
Senior (6-9 yrs)
$151,000
to $178,000
Lead (10+ yrs)
$171,000
to $212,000
Salary trend
+4% YoYTotal compensation
Base salary is not the full picture. Equity, bonus, and signing can add $39,000 to the total package.
Base
$137,000
Equity
$22,000
Bonus
$14,000
Signing
$3,000
Estimated total: $176,000
How Sacramento compares
Sacramento, CA
$137,000
Cost of living: 10% above average
National Average
$122,000
Sacramento is $15,000 above
Actuary salary by city
Salary by role in Sacramento
What you should know
If you are interviewing for Actuary roles in Sacramento, here is what you are walking into. Sacramento is California's capital with a growing tech presence as Bay Area companies and remote workers seek lower costs. State government is the largest employer, but healthcare, clean energy, and ag-tech are expanding rapidly. Salaries are lower than the Bay Area but the cost of living difference more than compensates. 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 Sacramento, 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: california's 13.3% top state rate applies. Sacramento has no city income tax. Despite the high state rate, the significantly lower housing costs compared to the Bay Area improve take home purchasing power. When someone quotes you $137,000, ask what the total package looks like. The gap between base and total comp is where real money hides.
On negotiation: Position yourself as Bay Area talent seeking Sacramento quality of life. Employers here are accustomed to offering 80 to 90% of Bay Area rates to attract relocating professionals. The range for Actuarys in Sacramento runs from $103,000 to $182,000. 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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- A Crypto / Web3 Analyst in Sacramento earns $138,000 (1% more)
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Common questions.
Actuary salary in other cities
Other salaries in Sacramento
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