Actuary Salary in Philadelphia, PA
Actuaries in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro area earn a median $127,770 a year — 2% less than the national median. After 2026 taxes, that is $94,674 take-home, or $7,890 a month.
Take-home pay calculator
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- Federal income tax$19,399
- Social Security (6.2%)$7,922
- Medicare (1.45%)$1,853
- Pennsylvania income tax$3,923
- Take-home pay$94,674
Marginal rate: 24% federal + 3.07% state
The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro spans Pennsylvania, New Jersey, Delaware, Maryland. Pick the state you live in — state income tax follows your residence.
Actuary pay by experience in Philadelphia, PA
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $82,750 | $39.78 | $64,504 | $5,375 |
| 25th percentile | $100,300 | $48.22 | $76,312 | $6,359 |
| Median (50th) | $127,770 | $61.43 | $94,674 | $7,890 |
| 75th percentile | $167,550 | $80.55 | $120,643 | $10,054 |
| 90th percentile (top earners) | $218,360 | $104.98 | $155,707 | $12,976 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Pennsylvania resident, 2026 tax rules.
What $127,770 buys in Philadelphia, PA
Prices in Philadelphia, PA are 2.6% higher than the U.S. average (housing costs are 1.13× the national average). Adjusted for local prices, a median actuary's $94,674 take-home pay has the buying power of $92,316 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
Philadelphia, PA has 1.6× the national concentration of actuary jobs — a strong local market for this occupation.
Best-paying cities for actuaries, adjusted for cost of living
Philadelphia, PA ranks #5 of 8 metro areas once taxes and local prices are taken into account.
| # | Metro area | Median salary | Take-home | Real value* |
|---|---|---|---|---|
| 1 | Hartford, CT | $166,800 | $117,416 | $114,278 |
| 2 | New York, NY | $161,460 | $113,138 | $100,511 |
| 3 | Dallas, TX | $127,690 | $98,542 | $95,588 |
| 4 | Washington, DC | $144,680 | $100,825 | $92,599 |
| 5 | Philadelphia, PA | $127,770 | $94,674 | $92,316 |
| 6 | Minneapolis, MN | $125,960 | $90,305 | $86,151 |
| 7 | Chicago, IL | $113,730 | $83,354 | $80,462 |
| 8 | Indianapolis, IN | $101,040 | $76,960 | $80,422 |
*Take-home pay divided by the BEA price level, so every city is measured in U.S.-average dollars. See all 8 metros →
Frequently asked questions
How much does a actuary make in Philadelphia, PA?
The median actuary salary in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro area is $127,770 a year, or about $61.43 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $100,300 and $167,550.
What is a actuary’s take-home pay in Philadelphia, PA?
On the median $127,770 salary, a single filer living in Pennsylvania takes home about $94,674 a year ($7,890 a month) after federal tax, Social Security, Medicare and $3,923 in Pennsylvania taxes in 2026.
Is Philadelphia, PA a good place to work as a actuary?
Pay here is 2% below the national median of $130,000. Local prices are 2.6% above the U.S. average, so the take-home pay buys what $92,316 would in a typical U.S. city. Philadelphia, PA ranks #5 of 8 metro areas for cost-of-living-adjusted pay in this job.
Can a actuary afford rent in Philadelphia, PA?
HUD’s fair market rent for a one-bedroom in Philadelphia, PA is $1,520 a month ($1,810 for two bedrooms) — 19% of a median actuary’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
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