Salary Guide · 2026
Indiana Salary Guide (2026)
This guide explains how salaries are taxed in Indiana, what take-home pay looks like at different income levels, and how cost of living affects real purchasing power across major cities.
Indiana Income Snapshot
Individual median income
$38,900
-31% vs US median
Household median income
$67,173
US Census ACS 2023
Median take-home (annual)
$32,176
Eff. rate: 17.29%
Median monthly take-home
$2,681
Single filer, 2026
Income Tax Structure in Indiana
Tax system: Flat state income tax (3.15%)
Indiana has one of the lowest flat income tax rates in the country. A low cost of living and Indianapolis's growing job market make take-home pay stretch very far here.
Take-Home Pay at Popular Salary Levels
Single filer · Standard deduction · IN state tax · 2026 IRS brackets
| Gross salary | Federal tax | State tax | FICA | Take-home | Monthly | Eff. rate |
|---|---|---|---|---|---|---|
| $50,000 | $3,894 | $1,525 | $3,825 | $40,756 | $3,396 | 18.49% |
| $75,000 | $7,854 | $2,288 | $5,738 | $59,120 | $4,927 | 21.17% |
| $105,000 | $14,454 | $3,203 | $8,033 | $79,310 | $6,609 | 24.47% |
| $150,000 | $24,914 | $4,575 | $11,475 | $109,036 | $9,086 | 27.31% |
Take-home as % of gross
Housing Affordability in Indiana Cities
Based on $105,000 salary · Rent: HUD FMR 2026 · COL: C2ER/ACCRA
Indianapolis
COL: 0.96× · 1BR rent: $1,200/mo
Rent burden: 18.2% of take-home
Is $105,000 enough in Indianapolis? →Fort Wayne
COL: 0.91× · 1BR rent: $1,050/mo
Rent burden: 15.9% of take-home
Is $105,000 enough in Fort Wayne? →Evansville
COL: 0.85× · 1BR rent: $950/mo
Rent burden: 14.4% of take-home
Is $105,000 enough in Evansville? →South Bend
COL: 0.88× · 1BR rent: $1,000/mo
Rent burden: 15.1% of take-home
Is $105,000 enough in South Bend? →Carmel
COL: 1.10× · 1BR rent: $1,450/mo
Rent burden: 21.9% of take-home
Is $105,000 enough in Carmel? →Bloomington
COL: 1.08× · 1BR rent: $1,400/mo
Rent burden: 21.2% of take-home
Is $105,000 enough in Bloomington? →Popular Salary Guides for Indiana
Is This Salary Enough in Indiana?
Frequently Asked Questions
Is $100,000 a good salary in Indiana?
A $100,000 salary in Indiana yields approximately $75,946 per year ($6,329/month) after federal and state taxes. In most Indiana cities, this is above the state individual median of $38,900 — generally a comfortable income.
How much state income tax do you pay in Indiana?
Indiana has Flat state income tax (3.15%). For a $75,000 salary, the estimated state income tax is $2,288. Your effective rate depends on your income level, filing status, and deductions.
What salary is considered middle class in Indiana?
The individual median income in Indiana is $38,900 and the household median is $67,173 (Census ACS 2023). Middle-class income typically ranges from 67%–200% of the household median, roughly $45,006–$134,346 for a family.
Data Sources
- •Tax calculations: IRS federal tax tables
- •Payroll taxes: Social Security Administration
- •Salary data: Bureau of Labor Statistics
- •Rent data: HUD Fair Market Rents
Data updated monthly using government datasets.