2026 Tax Year · Single Filer · Indiana

$31 an Hour in Indiana — After-Tax Take-Home (2026)

At $31/hour (2,080 hours/year), your gross annual income is $64,480. After federal income tax, Social Security, Medicare, and Indiana state income tax, your take-home pay is $25.04/hr. In Indiana's low cost-of-living environment, this is a comfortable living wage in Indiana.

Gross Annual
$64,480
Net Annual
$52,088
Net Monthly
$4,341
Net Hourly
$25.04

Pay Period Breakdown

Period Gross Tax Net
Hourly $31.00 $5.96 $25.04
Daily (8 hrs) $248.00 $47.66 $200.34
Weekly (40 hrs) $1,240.00 $238.32 $1,001.68
Biweekly $2,480.00 $476.63 $2,003.37
Monthly $5,373.33 $1,032.71 $4,340.63
Annual $64,480 $12,392 $52,088

Full Tax Breakdown — Indiana, Single Filer

Item Rate / Notes Amount
Gross Annual Income $31/hr × 2,080 hrs $64,480
Federal Standard Deduction Single 2026 −$16,100
Federal Taxable Income $48,380
Federal Income Tax 8.6% −$5,557.60
Social Security (6.2%) up to $168,600 −$3,997.76
Medicare (1.45%) −$934.96
Indiana Standard Deduction Single 2026 −$0
Indiana State Income Tax 2.9% −$1,902.16
Total Tax 19.2% effective −$12,392.48
Net Take-Home $52,088

How Does Indiana Compare?

See how $31/hr take-home differs in other states at the same wage:

State State Tax Net Monthly Net Annual
California $2,202.48 $4,316/mo $51,787 Florida None $4,499/mo $53,990 New York $2,873.93 $4,260/mo $51,116 Texas None $4,499/mo $53,990 Washington None $4,499/mo $53,990
Open Full Calculator for Indiana — $31/hr →

Equivalent Annual Salary Pages

$31/hr = $64,480/year gross. See the full state-by-state salary breakdown:

$64,480 salary in Indiana — full breakdown $64,480 after tax in Indiana $64,480 salary to hourly Indiana paycheck calculator

Adjacent Rates in Indiana

$28/hr in Indiana$29/hr in Indiana$30/hr in Indiana$32/hr in Indiana$33/hr in Indiana$34/hr in Indiana

Same Rate, Other States

$31/hr in Alabama$31/hr in Alaska$31/hr in Arizona$31/hr in Arkansas$31/hr in California$31/hr in Colorado

Cost of Living in Indiana

✓ Comfortable — $31/hr covers costs in Indiana
  • Avg 1BR rent in Indianapolis: $950/mo — within budget (18% of gross monthly)
  • Minimum comfortable income in Indiana: $34,000/yr
  • Your net annual: $52,088 ($18,088 above comfortable threshold)
  • Purchasing power equivalent in Texas: ~$38.3/hr

Working at $31/hr in Indiana

At this level in Indiana, your real purchasing power is exceptional by national standards. A $35/hr wage in Indianapolis goes further in terms of housing, food, and lifestyle than $50/hr in San Francisco or New York once taxes and COL are factored in.

At ${rate}/hr, you work roughly 38 hours each month to cover a typical 1BR in Indianapolis (${rent.toLocaleString()}/mo) -- that's within the 30% gross income guideline. This wage is 4.3x Indiana's federal minimum wage of ${ctx.minWage}/hr. Your combined effective tax rate at ${rate}/hr in Indiana is 19.2% -- federal income tax accounts for 8.6%, FICA 7.6%, and Indiana state tax 2.9%.

Indiana's economy is built on manufacturing (especially automotive — Honda, Subaru, Toyota all have plants here), logistics, pharmaceuticals (Eli Lilly HQ in Indianapolis), and agriculture. Indianapolis has a growing tech scene driven by Salesforce's significant local presence.

Indiana has a flat 3.05% state income tax rate — one of the lowest in the country. Counties also levy a local income tax ranging from 0.5% to 3.38%, adding to the total. No standard deduction at the state level.

Indiana follows the federal minimum wage of $7.25/hr.

Monthly Budget on $31/hr in Indiana

Based on $4,341/month take-home. Percentages follow common 50/30/20 guidelines adjusted for Indiana's cost of living.

Category Monthly Annual % of Net
Rent / Housing $950 $11,400 21.9%
Food (groceries + dining) $521 $6,252 12.0%
Transportation $434 $5,208 10.0%
Utilities $260 $3,120 6.0%
Healthcare $217 $2,604 5.0%
Entertainment $217 $2,604 5.0%
Savings (10% target) $434 $5,208 10.0%
Remaining / Surplus $1,308 $15,696 30.1%

Overtime Pay — $31/hr in Indiana

At time-and-a-half ($46.50/hr), here's what overtime adds to your annual net income in Indiana. Your marginal tax rate at this income level is ~16.4%.

Extra Hours/Week OT Gross/Week Net/Week (est.) Added Net/Year
5 hrs/week $233 $194 $9,700
10 hrs/week $465 $389 $19,450
20 hrs/week $930 $777 $38,850

Hours to Afford Common Purchases at $31/hr

How many hours of work (gross) to buy common items. Actual cost in after-tax hours is higher — divide by your $25.04 net hourly rate for the true cost in time.

Purchase Price Gross Hours Net Hours
Tank of gas (12 gal) $50 1.7 hrs 2 hrs
Week of groceries $120 3.9 hrs 4.8 hrs
iPhone 16 (base) $799 25.8 hrs 32 hrs
1 month rent (Indianapolis) $950 30.7 hrs 38 hrs
Used car ($10k) $10,000 322.6 hrs 399.4 hrs
Median new car ($48k) $48,000 1548.4 hrs 1916.8 hrs

Frequently Asked Questions

31 an hour -- is it a good wage in Indiana?

31/hr in Indiana gives you $52,088/year after taxes -- a comfortable living wage in Indiana. Avg 1BR rent in Indianapolis: $950/month (within the 30% rule).

What is 31 an hour after taxes in Indiana?

31/hr in Indiana = $52,088/year or $4,341/month net. Effective rate: 19.2%.

How does 31/hr go further -- Indiana or Texas?

31/hr in Indiana has similar purchasing power to ~38.3/hr in Texas.

What does 31/hr look like as a monthly budget in Indiana?

On $4,341/month in Indiana: rent $950, food $521, transport $434, savings $434, surplus ~$1,308.

How much does overtime add at 31/hr in Indiana?

At 1.5x (46.50/hr OT), 5 extra hrs/week adds ~$9,700/year net; 10 hrs/week adds ~$19,450/year.