SOC 49-9021

HVAC/R Technician Salary in Chicago-Naperville-Elgin, IL-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 + IL
COL Index: 125.81 (+25.8% vs US)
Net Compensation Yield 72.5% Realized
$56,544 / net annual direct deposit
Gross Adjusted $77,960 $37.48/hr
Effective Tax Drag 21.47% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$16,739 $643.80/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 $37.48 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$4,678/yr)
0% Tax Shield: ~$1,029/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$7,292
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$4,834
Medicare Hospital Insurance
Statutory 1.45%
-$1,130
Illinois Individual Income Tax
State Marginal Bracket
-$3,483
Net Take-Home Annual Realized
$56,544 ($2,174.76 / check)
Category 2 of 6

Chicago-Naperville-Elgin, IL-IN HVAC/R Technician Wage Distribution

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

Your Salary: $77,960
MIDDLE 50% (IQR RANGE) 10th $47.5k 25th $61.0k Median: $77,960 50th (Median) $78.0k 75th $96.8k 90th $118k You: $77,960
10th (Entry) $47,460 $22.82/hr
25th (Junior) $61,050 $29.35/hr
50th (Median) $77,960 $37.48/hr
75th (Senior) $96,790 $46.53/hr
90th (Lead/Master) $117,940 $56.70/hr
Career Progression & Licensing Milestones for HVAC/R Technician in Chicago-Naperville-Elgin, IL-IN
1
HVAC Apprentice / HelperEPA 608 Universal Certification, trade school certificate
$48,813$23.47/hr · 0-2 Years
2
Service TechnicianNATE certification, independent diagnostic electrical skills
$75,392$36.25/hr · 2-5 Years
3
Lead Commercial HVAC TechChiller, VRF, and building automation system certifications
$100,309$48.23/hr · 5-9 Years
4
HVAC Mechanical ContractorState Mechanical Contractor license, bonded, business operations
$138,005$66.35/hr · 9+ Years
Scaled to the Chicago-Naperville-Elgin, IL-IN medianView National HVAC/R Technician Salary Data
Category 3 of 6

HUD Fair Market Rent & EPI Living Wage Affordability Index

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

Rent-to-Take-Home Ratio (HUD 30% Standard)
38% of Net Income
⚠️ Cost-Burdened (Exceeds 30% Rule)
HUD Fair Market Rent (1-Bedroom) $1,780/month Requires minimum annual gross of $71,200
HUD Fair Market Rent (2-Bedroom) $2,011/month Requires minimum annual gross of $80,440
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $27.82/hr
Per adult, 2 working adults + 1 child: $24.26/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 Chicago-Naperville-Elgin, IL-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$77,960-$16,739$56,544$2,174.76
+5h Overtime/Wk45 hrs$92,578-$21,560$65,463$2,517.80
+10h Overtime/Wk50 hrs$107,195-$26,381$74,382$2,860.84
+15h Overtime/Wk55 hrs$121,813-$31,203$83,301$3,203.89
+20h Overtime/Wk60 hrs$136,430-$36,153$92,091$3,541.98
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 Chicago-Naperville-Elgin, IL-IN: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$77,960/yr
$37.48/hr · SOC 49-9021
Statutory Tax Drag
21.47% Effective
-$16,739 in Total Taxes
HUD 1BR Shelter Ratio
38% Net Pay
⚠️ Exceeds 30% HUD Rule
Monthly Discretionary
+$2,932/mo
Post-$1,780/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 Chicago-Naperville-Elgin, IL-IN: Market Snapshot

HVAC/R Technician roles in Chicago-Naperville-Elgin, IL-IN report a median annual wage of $77,960, 27.8% above the national median of $61,010. The 10th to 90th percentile band runs from $47,460 to $117,940, and HUD’s $1,780 monthly one-bedroom fair market rent equals 27.4% of that median gross pay. The single-adult living wage benchmark for the area is $27.82 per hour.

Highest-paying metropolitan areas for HVAC/R Technician

Metropolitan areaMedian annual wageVs this market
Fairbanks-College, AK$93,820+20.3%
Anchorage, AK$85,620+9.8%
Napa, CA$84,570+8.5%
San Jose-Sunnyvale-Santa Clara, CA$82,050+5.2%
Seattle-Tacoma-Bellevue, WA$80,100+2.7%
Santa Rosa-Petaluma, CA$79,510+2.0%
Peoria, IL$78,710+1.0%
Santa Maria-Santa Barbara, CA$78,640+0.9%
Boston-Cambridge-Newton, MA-NH$78,530+0.7%
San Francisco-Oakland-Fremont, CA$78,490+0.7%

Top-paying occupations benchmarked in Chicago-Naperville-Elgin, IL-IN

OccupationMedian annual wageMedian hourly
Chief Executives$344,960$165.85/hr
Computer and Information Systems Managers$173,760$83.54/hr
Financial Manager$168,810$81.16/hr
Natural Sciences Managers$167,040$80.31/hr
Advertising and Promotions Managers$166,390$80.00/hr
Marketing Managers$165,340$79.49/hr
Architectural and Engineering Managers$163,430$78.57/hr
Sales Managers$158,690$76.29/hr
Human Resources Managers$156,770$75.37/hr
Compensation and Benefits Managers$155,340$74.68/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 Chicago-Naperville-Elgin, IL-IN (2026) Overview

HVAC/R Technician median pay in Chicago-Naperville-Elgin, IL-IN is $77,960 a year ($37.48/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD. Official 2026 economic data for HVAC/R Technician in Chicago-Naperville-Elgin, IL-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 Chicago-Naperville-Elgin, IL-IN?

The median annual wage is $77,960 ($37.48 per hour). The middle 80% of earners make between $47,460 and $117,940. Source: BLS OEWS (May 2025).

What is the take-home pay for a HVAC/R Technician in Chicago-Naperville-Elgin, IL-IN after taxes?

On the median wage of $77,960, a single filer with no pre-tax deductions takes home about $59,961 a year ($4,997 a month) after $17,999 in federal, FICA, state and local taxes, an effective rate of 23.09%, using 2026 tax rules.