Actuary Salary in Kentucky
The median actuary salary in Kentucky is $99,171 per year, which is 13% below the national median of $113,990.
Actuary Salary Overview in Kentucky (2026)
Kentucky ranks #46 out of 50 states for actuary compensation. Actuary salaries in Kentucky are below the national median, though the lower cost of living can offset the difference. At $99,171 per year, actuarys in Kentucky earn $14,819 less than the national median of $113,990.
A key advantage of working in Kentucky is its below-average cost of living (87% of the national index). This means the $99,171 salary has the purchasing power of roughly $113,990 in an average-cost area.
The salary spread in Kentucky is significant: actuarys at the 10th percentile earn $59,508, while those at the 90th percentile bring home $170,529 — a $111,021 gap that reflects differences in experience, specialization, employer type, and metro area. The highest-paying city in Kentucky for this role is Lexington, where the median reaches $106,011.
Nationally, actuary employment is projected to grow 21% over the next decade (much faster than average). This strong growth suggests increasing demand and competitive salaries in Kentucky and beyond.
Actuary Salary in Kentucky by Experience
In Kentucky, an entry-level actuary earns around $60,900, while experienced professionals earn up to $152,250 per year. The cost of living index in Kentucky is 87% of the national average.
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See Investment Options →Salary Percentiles in Kentucky
| Percentile | KY Salary |
|---|---|
| 10th Percentile | $59,508 |
| 25th Percentile | $75,864 |
| Median (50th) | $99,171 |
| 75th Percentile | $131,370 |
| 90th Percentile | $170,529 |
Actuary Salary by City in Kentucky
The largest employment areas for actuarys in Kentucky include Louisville, Lexington, Bowling Green, and Owensboro. Salaries vary by city based on local cost of living and demand.
How to Become a Actuary in Kentucky
Education
Most actuary positions require a bachelor's degree. Kentucky has several accredited institutions offering relevant programs.
Key Skills
Job Outlook in Kentucky
Nationally, actuary employment is projected to grow 21% over the next decade (much faster than average). Kentucky's demand may vary based on local industry trends.
Negotiate Your Way to Senior Pay
Data shows Actuarys who negotiate earn 7–15% more. A single negotiation could add $53,079 over your career trajectory.
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