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JakartaWhy San Diego pays Actuarys 48% above the United States median
A typical actuary in San Diego, CA earns about $189,000 a year — 48% above the United States median for the same occupation. That premium is real cash, but San Diego’s cost-of-living index is 100 (100 = US baseline), so the extra pay has to be judged against rent and prices, not collected as a pure raise.
Actuaries use statistics to measure and price financial risk, especially in insurance. In San Diego, CA, this finance & business seat is often a mix of base and variable pay. $189,000 is the blended midpoint; bonus policy can matter as much as the city’s wage level. Long-term employment for this occupation is modeled at about +22% over a decade — a national sketch, not a San Diego, CA hiring guarantee.
The percentiles on this page are observed metro figures for Actuary in San Diego, CA, not a national median multiplied by a pay index. That matters: you are looking at how this labour market actually priced the role, including local industry mix. They are still estimates of the market — not a promise of what one employer will offer.
Among the 9 United States metros we can compare for this role, San Diego ranks 2 by median. Washington DC leads this comparison at $206,000 (+9% vs San Diego), while Houston sits at $81,700. Use those gaps to test a relocation thesis: a 15% cash raise that lands in a much more expensive metro can disappear in rent.
San Diego’s COL index (100) sits nearer the global baseline, so headline and adjusted pay are not far apart ($189,000 vs $189,000). Rent still matters: the 1-bedroom model is $1,650 / month, about 13% of take-home, with leftover near $9,410.
If you are comparing a San Diego office offer with a location-flexible one, the United States national median for this role is about $128,000. Local pay is 48% higher — a $61,000 gap. Remote employers often anchor to the national figure; on-site employers in San Diego are anchoring to this page.
World Bank consumer-price inflation for United States was about 2.9% in 2024; an illustrative model tied to inflation and the occupation’s outlook suggests pay has risen about 22% over the last few years. H-1B / employment-based green card is the usual skilled-hire route (selective for typical hires): Most skilled foreign hires enter via employer-sponsored H-1B (lottery-capped) or specialty routes; permanent residence usually follows an employment-based petition. At 2.1× United States GDP per capita, this median is well above a typical national living standard. Unemployment was about 4.2% in 2025. None of that is tax, immigration, or career advice — run the calculators and confirm rules officially.
How to read a actuary offer in San Diego
Start with gross cash, not the recruiting headline. If an offer lands near $189,000, you are in the lower half of this metro’s observed distribution; near $189,000 you are already paid like a stronger local hire. Then subtract a realistic tax path (simplified national effective rate here is about 18%, leaving $154,906 a year) and a housing number you would actually accept — not only the $1,650 model.
Because the 90th percentile is about 3.2× the 10th, two actuary jobs in San Diego can be different careers that share a title. Ask what sits in the package (bonus, overtime, equity, on-call) before you treat $189,000 as a fair target.
Demand and the actuary pipeline
Occupation-level employment for actuarys is projected at about +22% over ten years. That is a national sketch of demand, not a forecast that San Diego will hire at that rate. Local openings still follow San Diego’s industry mix — hospitals, studios, public employers, or product companies — which is already baked into the observed percentiles more than into the outlook percentage.
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