Actuary · Salary Comparison · 2026
Actuary Salary: Richmond, VA vs San Francisco, CA
Side-by-side comparison of salary, taxes, cost of living, and take-home pay for Actuarys in Richmond, VA and San Francisco, CA, based on BLS OEWS 2026 data.
1Which City Pays More After Tax?
Higher Gross Salary
✓ San Francisco, CA
$101,000 vs $154,000
Better Purchasing Power
✓ Richmond, VA
$100,000 vs $82,796
Best Take-Home (COL-Adj)
✓ Richmond, VA
$87,087 vs $69,388
2
Detailed Comparison
| Metric | Richmond, VA | San Francisco, CA | Diff |
|---|---|---|---|
| Median Annual Salary | $101,000 | $154,000▲ | -$53,000 |
| 25th Percentile | $77,770 | $118,580▲ | -$40,810 |
| 75th Percentile | $129,280 | $197,120▲ | -$67,840 |
| 90th Percentile | $161,600 | $246,400▲ | -$84,800 |
| Cost of Living Index | 101 | 186 | -85 |
| State Income Tax | 5.75%▲ | 9.3% | -3.5500000000000007% |
| COL-Adjusted Median | $100,000▲ | $82,796 | +$17,204 |
| Est. Annual Take-Home | $87,958 | $129,062▲ | -$41,104 |
| COL-Adj. Take-Home | $87,087▲ | $69,388 | +$17,699 |
| Total Employment | 11,200 | 41,600 | -30,400 |
▲ = Higher value wins for this metric. Diff = Richmond, VA minus San Francisco, CA.
3Summary Analysis
On paper, San Francisco, CA pays $53,000 more (median: $101,000 vs $154,000). However, after adjusting for cost of living (index 101 vs 186), Richmond, VA provides better purchasing power ($100,000 vs $82,796 equivalent). Richmond, VA has the lower state tax rate (5.75% vs 9.3%).
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.