Housing
Housing dominates the monthly budget at $1,722, with a city center one-bedroom apartment averaging $1,470. Basic utilities add $162 and internet costs $68, making housing and utilities together 80% of total living expenses in Dover.
Actuary Salary in Dover
Market ranges & how to evaluate your offer
$0k – $0k/yr
Most offers in Dover fall between $0k–$0k depending on seniority, location, and role scope.
Last updated: March 2026Self-reported salaries + labor statisticsDoverConfidence: High
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Median$0
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Local vs National
Dover$0k
National Average$0k
Dover
Salary data is self-reported and varies by scope, company, and location. Use ranges, not single numbers.
Offer sanity-check
Compare your total comp for Actuary — pick seniority, enter an offer, and preview the layout. Percentiles use your selected seniority when market data is available.
Cost of Living in Dover, DE
Cost of living breakdown for Dover, DE market.
88avg = 100
Estimated monthly costs for this basket are about 88% of our comparable national baseline—day-to-day spending tends to go further here.
Overall COL Index
HOUSING+23%
National avg (100)
FOOD-37%
National avg (100)
TRANSPORT-77%
National avg (100)
LIFESTYLE-70%
National avg (100)
Monthly cost breakdown
How the estimated monthly cost bundle splits across categories for a typical Actuary earner.
$2,150.68/ mo
HOUSING
$1,722.41 USD (80.1% of est. monthly costs)
FOOD
$264.24 USD (12.3% of est. monthly costs)
TRANSPORT
$80.00 USD (3.7% of est. monthly costs)
LIFESTYLE
$84.03 USD (3.9% of est. monthly costs)
+23%
Food & dining
Food expenses total $264 monthly, with groceries showing reasonable prices like $0.91 for milk and $3.30 for a dozen eggs. Restaurant meals at $15 for inexpensive dining reflect Dover's affordable food scene compared to major metropolitan areas.
Transportation
Public transit costs $80 for a monthly pass, offering the primary commuting option for professionals in Delaware's capital. The single transportation option suggests limited transit infrastructure typical of smaller state capitals.
Lifestyle & leisure
Discretionary spending totals $84, with gym memberships at $24 and movie tickets at $11 showing modest entertainment costs. At $3.72 per cappuccino, coffee culture remains accessible while lifestyle expenses stay well below housing costs.
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Remote Pay Bands Explained
Actuary remote compensation varies significantly based on company location policies, with many insurers offering location-adjusted salaries rather than national pay bands. For example, an actuary working remotely from Austin might earn 85-90% of what their New York City counterpart makes, while someone in smaller markets like Des Moines could see 75-80% of metro rates. However, top-tier consulting firms and some progressive insurers now offer location-agnostic compensation to attract the best actuarial talent regardless of geography.
The actuarial field has embraced hybrid work models more readily than many finance sectors, with 60-70% of positions now offering flexible arrangements. Most major insurers operate on 2-3 days in office requirements, while actuarial consulting firms often provide full remote options. When negotiating remote work as an actuary, emphasize your ability to collaborate on complex modeling projects virtually and highlight any experience with cloud-based actuarial platforms that facilitate distributed teamwork.
Actuaries relocating from expensive metros like San Francisco or Boston to lower-cost areas can see dramatic improvements in purchasing power, often gaining 30-40% more disposable income despite salary adjustments. A senior actuary earning $180,000 in San Francisco could maintain similar lifestyle quality earning $140,000 in Nashville or Charlotte, while building significantly more wealth due to lower housing costs and state tax advantages in many actuarial hub cities.
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How to Negotiate Your Offer
Practical steps that move the number without damaging the relationship.
Start your ask above the median. You'll rarely be offered more than you ask, so anchor high and let the employer negotiate you down.
Stronger approach:
- Start your ask above the median
- You'll rarely be offered more than you ask, so anchor high and let the employer negotiate you down
Say 'market data puts this role at $X–$Y' — not 'I was hoping for more'. External benchmarks are harder to argue against than personal expectations.
Stronger approach:
- Say 'market data puts this role at $X–$Y' — not 'I was hoping for more'
- External benchmarks are harder to argue against than personal expectations
When base is stuck, negotiate equity vesting schedule, signing bonus, or accelerated refresh grants. Total comp has more levers than base alone.
Stronger approach:
- When base is stuck, negotiate equity vesting schedule, signing bonus, or accelerated refresh grants
- Total comp has more levers than base alone
Ask for 48 hours to review. This creates time to counter and signals that you take offers seriously — not that you are uncertain.
Stronger approach:
- Ask for 48 hours to review
- This creates time to counter and signals that you take offers seriously — not that you are uncertain
Negotiate Salary
Generate an aware negotiation email using Google market positioning data.
Practice Interviews
Mock interviews tailored to Google's process and evaluation criteria.
Frequently Asked Questions
Common questions about Actuary compensation.
Entry-level Actuaries typically earn $65,000-$85,000 annually, with variations based on location, company size, and number of actuarial exams passed. Candidates with 2-3 exams often start at the higher end of this range.
Your next move starts here
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