Actuary.
Houston.
$118,000
median salary, 3% below the national average
$89,000 to $157,000. Updated for 2026.
The numbers.
Everything you need to negotiate with confidence.
Here is what Actuarys actually make in Houston: $89,000 at the 25th percentile, $118,000 at the median, and $157,000 at the 75th. That is 3% below the national average. Houston's economy is deeply rooted in energy, with a growing presence in healthcare, aerospace, and technology. The number on your offer letter will depend on what you bring and how you ask.
Salary range
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How Houston compares
Houston, TX
$118,000
Cost of living: 3% below average
National Average
$122,000
Houston is $4,000 below
What you should know
Before you negotiate a Actuary offer in Houston, understand the terrain. Houston's economy is deeply rooted in energy, with a growing presence in healthcare, aerospace, and technology. The Texas Medical Center is the world's largest, driving massive demand for clinical and research roles. Houston's low cost of living and no state income tax make it an attractive destination for professionals seeking strong purchasing power. 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 Houston, 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: texas has no state income tax, giving Houston workers strong take home pay. The city's overall cost of living is below the national average, further stretching your salary. 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: Emphasize industry specialization in energy or healthcare. Houston employers pay significant premiums for domain expertise in these sectors over generalist candidates. The range for Actuarys in Houston 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.
Top industries in Houston
Negotiating in Houston
Emphasize industry specialization in energy or healthcare. Houston employers pay significant premiums for domain expertise in these sectors over generalist candidates.