Actuary · Salary Comparison · 2026
Actuary Salary: Miami, FL vs San Francisco, CA
Side-by-side comparison of salary, taxes, cost of living, and take-home pay for Actuarys in Miami, FL and San Francisco, CA, based on BLS OEWS 2026 data.
1Which City Pays More After Tax?
Higher Gross Salary
✓ San Francisco, CA
$106,000 vs $154,000
Better Purchasing Power
✓ Miami, FL
$86,179 vs $82,796
Best Take-Home (COL-Adj)
✓ Miami, FL
$79,629 vs $69,388
2
Detailed Comparison
| Metric | Miami, FL | San Francisco, CA | Diff |
|---|---|---|---|
| Median Annual Salary | $106,000 | $154,000▲ | -$48,000 |
| 25th Percentile | $81,620 | $118,580▲ | -$36,960 |
| 75th Percentile | $135,680 | $197,120▲ | -$61,440 |
| 90th Percentile | $169,600 | $246,400▲ | -$76,800 |
| Cost of Living Index | 123 | 186 | -63 |
| State Income Tax | 0%▲ | 9.3% | -9.3% |
| COL-Adjusted Median | $86,179▲ | $82,796 | +$3,383 |
| Est. Annual Take-Home | $97,944 | $129,062▲ | -$31,118 |
| COL-Adj. Take-Home | $79,629▲ | $69,388 | +$10,241 |
| Total Employment | 17,600 | 41,600 | -24,000 |
▲ = Higher value wins for this metric. Diff = Miami, FL minus San Francisco, CA.
3Summary Analysis
On paper, San Francisco, CA pays $48,000 more (median: $106,000 vs $154,000). However, after adjusting for cost of living (index 123 vs 186), Miami, FL provides better purchasing power ($86,179 vs $82,796 equivalent). Miami, FL has no state income tax, which is a significant advantage.
Data: U.S. Bureau of Labor Statistics OEWS · 2026 · Cost-of-living indices from composite metro area data. Take-home estimates approximate only — consult a tax professional for accurate figures.