SOC 49-9021

HVAC/R Technician Salary in Bloomington, IN (2026)

Data updated · Sources: BLS OEWS May 2025, HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Tax Tables: 2026 Fed + IN + Municipal
COL Index: 100.55 (+0.5% vs US)
Net Compensation Yield 73.9% Realized
$45,049 / net annual direct deposit
Gross Adjusted $60,920 $29.29/hr
Effective Tax Drag 20.05% Combined Jurisdictions
Marginal Top Bracket 12% Federal Statutory
Total Withheld -$12,216 $469.85/check
Category 1 of 6

Wage Benchmarking & After-Tax Paycheck Engine

Dynamic statutory tax calculations based on IRS Publication 15-T and state statutory schedules.

$
2,080 annual statutory base hours $29.29 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$3,655/yr)
0% Tax Shield: ~$439/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$4,692
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$3,777
Medicare Hospital Insurance
Statutory 1.45%
-$883
Indiana Individual Income Tax
State Marginal Bracket
-$1,660
Monroe County income tax
2.14%
-$1,204
Net Take-Home Annual Realized
$45,049 ($1,732.64 / check)
Category 2 of 6

Bloomington, IN HVAC/R Technician Wage Distribution

Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) Percentiles & Career Ladders

Your Salary: $60,920
MIDDLE 50% (IQR RANGE) 10th $38.9k 25th $48.2k Median: $60,920 50th (Median) $60.9k 75th $93.5k 90th $96.5k You: $60,920
10th (Entry) $38,850 $18.68/hr
25th (Junior) $48,180 $23.16/hr
50th (Median) $60,920 $29.29/hr
75th (Senior) $93,540 $44.97/hr
90th (Lead/Master) $96,450 $46.37/hr
Career Progression & Licensing Milestones for HVAC/R Technician in Bloomington, IN
1
HVAC Apprentice / HelperEPA 608 Universal Certification, trade school certificate
$38,144$18.34/hr · 0-2 Years
2
Service TechnicianNATE certification, independent diagnostic electrical skills
$58,913$28.32/hr · 2-5 Years
3
Lead Commercial HVAC TechChiller, VRF, and building automation system certifications
$78,384$37.68/hr · 5-9 Years
4
HVAC Mechanical ContractorState Mechanical Contractor license, bonded, business operations
$107,841$51.85/hr · 9+ Years
Category 3 of 6

HUD Fair Market Rent & EPI Living Wage Affordability Index

Evaluating housing affordability vs. net take-home pay in Bloomington, IN under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
29% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,096/month Requires minimum annual gross of $43,840
HUD Fair Market Rent (2-Bedroom) $1,252/month Requires minimum annual gross of $50,080
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $22.24/hr
Per adult, 2 working adults + 1 child: $20.68/hr
Category 4 of 6

Hourly Wage to Annual & Overtime Matrix

Translating base hourly pay and 1.5× overtime into net take-home pay based on 2,080 annual work hours in Bloomington, IN.

Swipe horizontally to inspect full pay schedule
Schedule Total Hours/Wk Gross Annual Est. Taxes Net Take-Home Bi-Weekly Check
Standard (40 hrs)40 hrs$60,920-$12,216$45,049$1,732.64
+5h Overtime/Wk45 hrs$72,343-$15,075$52,927$2,035.65
+10h Overtime/Wk50 hrs$83,765-$18,858$59,882$2,303.14
+15h Overtime/Wk55 hrs$95,188-$22,640$66,836$2,570.62
+20h Overtime/Wk60 hrs$106,610-$26,423$73,791$2,838.11
Category 5 of 6

Interstate MSA Relocation & State Tax Migration Comparator

Calculate required compensation, cost-of-living differences, and annual state/local tax savings between two metropolitan areas.

Equivalent Salary in Austin, TX $83,505 Cost of Living Ratio: 69.6%
Annual State & Local Tax Delta +$8,331/yr Tax savings in Austin-Round Rock-San Marcos, TX
Annual Rent Difference (1BR) -$17,676/yr Based on HUD Fair Market Rents
Net Discretionary Cash Flow Impact

Combining state tax savings and annual rent variance when relocating from San Francisco-Oakland-Fremont, CA to Austin-Round Rock-San Marcos, TX.

+$26,007/year
Category 6 of 6 · Executive Economic Briefing
2026 Fiscal Intelligence

HVAC/R Technician in Bloomington, IN: Compensation & Purchasing Power Briefing (2026)

Estimates compiled from BLS OEWS wages, IRS 2026 withholding rules, HUD Fair Market Rents, and Indiana tax codes.

Market Baseline
$60,920/yr
$29.29/hr · SOC 49-9021
Statutory Tax Drag
20.05% Effective
-$12,216 in Total Taxes
HUD 1BR Shelter Ratio
29% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$2,658/mo
Post-$1,096/mo 1BR Rent

Key Economic & Compensation Takeaways

Statutory Withholding Architecture

Frequently Asked Questions

Verified Government Data Sources & Statutory Attribution

Wages sourced from US Bureau of Labor Statistics (BLS OEWS). Rents calibrated to HUD Fair Market Rents. Tax schedules calibrated to IRS IRC Title 26, IRS Pub 15-T, and state statutory revenue codes.

BLS OEWS May 2025 HUD FY2027 FMR IRS 15-T
Metro Pay Comparison SOC 49-9021
2026 Statutory Thresholds
  • Federal Standard Deduction (Single) $16,100
  • FICA OASDI Wage Base Cap $184,500
  • Pre-Tax 401(k) Elective Deferral $24,500
  • HSA Individual Annual Limit $4,400

HVAC/R Technician in Bloomington, IN: Market Snapshot

HVAC/R Technician roles in Bloomington, IN report a median annual wage of $60,920, 0.1% below the national median of $61,010. The 10th to 90th percentile band runs from $38,850 to $96,450, and HUD’s $1,096 monthly one-bedroom fair market rent equals 21.6% of that median gross pay. The single-adult living wage benchmark for the area is $22.24 per hour.

Highest-paying metropolitan areas for HVAC/R Technician

Metropolitan areaMedian annual wageVs this market
Fairbanks-College, AK$93,820+54.0%
Anchorage, AK$85,620+40.5%
Napa, CA$84,570+38.8%
San Jose-Sunnyvale-Santa Clara, CA$82,050+34.7%
Seattle-Tacoma-Bellevue, WA$80,100+31.5%
Santa Rosa-Petaluma, CA$79,510+30.5%
Peoria, IL$78,710+29.2%
Santa Maria-Santa Barbara, CA$78,640+29.1%
Boston-Cambridge-Newton, MA-NH$78,530+28.9%
San Francisco-Oakland-Fremont, CA$78,490+28.8%

Top-paying occupations benchmarked in Bloomington, IN

OccupationMedian annual wageMedian hourly
Chief Executives$235,900$113.41/hr
Computer and Information Systems Managers$165,680$79.65/hr
Natural Sciences Managers$160,260$77.05/hr
Architectural and Engineering Managers$157,610$75.77/hr
Industrial Production Managers$143,270$68.88/hr
Marketing Managers$139,800$67.21/hr
Sales Managers$139,280$66.96/hr
Financial Manager$134,540$64.68/hr
Human Resources Managers$129,580$62.30/hr
Nurse Practitioner$127,120$61.12/hr

Wage data: U.S. Bureau of Labor Statistics OEWS May 2025, 389 metropolitan areas publishing this occupation; HUD FY2027 Fair Market Rents; EPI Family Budget Calculator. Taxes use 2026 federal and state rules. Data last updated .

Regional Labor Market & Career Mobility Network

Explore adjacent occupations and neighboring metropolitan wage benchmarks for peer compensation analysis.

HVAC/R Technician Salary in Bloomington, IN (2026) Overview

HVAC/R Technician median pay in Bloomington, IN is $60,920 a year ($29.29/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents & living. Official 2026 economic data for HVAC/R Technician in Bloomington, IN compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.

Quick answers
What is the median salary for a HVAC/R Technician in Bloomington, IN?

The median annual wage is $60,920 ($29.29 per hour). The middle 80% of earners make between $38,850 and $96,450. Source: BLS OEWS (May 2025).

What is the take-home pay for a HVAC/R Technician in Bloomington, IN after taxes?

On the median wage of $60,920, a single filer with no pre-tax deductions takes home about $48,079 a year ($4,007 a month) after $12,841 in federal, FICA, state and local taxes, an effective rate of 21.08%, using 2026 tax rules.