SOC 49-9021

HVAC/R Technician Salary in Elkhart-Goshen, 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: 97.47 (-2.5% vs US)
Net Compensation Yield 74.2% Realized
$44,191 / net annual direct deposit
Gross Adjusted $59,590 $28.65/hr
Effective Tax Drag 19.84% Combined Jurisdictions
Marginal Top Bracket 12% Federal Statutory
Total Withheld -$11,824 $454.75/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 $28.65 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$3,575/yr)
0% Tax Shield: ~$429/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$4,542
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$3,695
Medicare Hospital Insurance
Statutory 1.45%
-$864
Indiana Individual Income Tax
State Marginal Bracket
-$1,623
Elkhart County income tax
2.00%
-$1,100
Net Take-Home Annual Realized
$44,191 ($1,699.65 / check)
Category 2 of 6

Elkhart-Goshen, IN HVAC/R Technician Wage Distribution

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

Your Salary: $59,590
MIDDLE 50% (IQR RANGE) 10th $37.4k 25th $49.2k Median: $59,590 50th (Median) $59.6k 75th $78.3k 90th $99.7k You: $59,590
10th (Entry) $37,440 $18.00/hr
25th (Junior) $49,170 $23.64/hr
50th (Median) $59,590 $28.65/hr
75th (Senior) $78,270 $37.63/hr
90th (Lead/Master) $99,690 $47.93/hr
Career Progression & Licensing Milestones for HVAC/R Technician in Elkhart-Goshen, IN
1
HVAC Apprentice / HelperEPA 608 Universal Certification, trade school certificate
$37,311$17.94/hr · 0-2 Years
2
Service TechnicianNATE certification, independent diagnostic electrical skills
$57,627$27.71/hr · 2-5 Years
3
Lead Commercial HVAC TechChiller, VRF, and building automation system certifications
$76,673$36.86/hr · 5-9 Years
4
HVAC Mechanical ContractorState Mechanical Contractor license, bonded, business operations
$105,486$50.71/hr · 9+ Years
Scaled to the Elkhart-Goshen, 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 Elkhart-Goshen, IN under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
28% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,048/month Requires minimum annual gross of $41,920
HUD Fair Market Rent (2-Bedroom) $1,253/month Requires minimum annual gross of $50,120
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $21.56/hr
Per adult, 2 working adults + 1 child: $19.41/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 Elkhart-Goshen, 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$59,590-$11,824$44,191$1,699.65
+5h Overtime/Wk45 hrs$70,763-$14,460$52,057$2,002.19
+10h Overtime/Wk50 hrs$81,936-$18,146$58,875$2,264.41
+15h Overtime/Wk55 hrs$93,109-$21,831$65,692$2,526.62
+20h Overtime/Wk60 hrs$104,283-$25,516$72,510$2,788.83
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 Elkhart-Goshen, 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
$59,590/yr
$28.65/hr · SOC 49-9021
Statutory Tax Drag
19.84% Effective
-$11,824 in Total Taxes
HUD 1BR Shelter Ratio
28% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$2,635/mo
Post-$1,048/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 Elkhart-Goshen, IN: Market Snapshot

HVAC/R Technician roles in Elkhart-Goshen, IN report a median annual wage of $59,590, 2.3% below the national median of $61,010. The 10th to 90th percentile band runs from $37,440 to $99,690, and HUD’s $1,048 monthly one-bedroom fair market rent equals 21.1% of that median gross pay. The single-adult living wage benchmark for the area is $21.56 per hour.

Highest-paying metropolitan areas for HVAC/R Technician

Metropolitan areaMedian annual wageVs this market
Fairbanks-College, AK$93,820+57.4%
Anchorage, AK$85,620+43.7%
Napa, CA$84,570+41.9%
San Jose-Sunnyvale-Santa Clara, CA$82,050+37.7%
Seattle-Tacoma-Bellevue, WA$80,100+34.4%
Santa Rosa-Petaluma, CA$79,510+33.4%
Peoria, IL$78,710+32.1%
Santa Maria-Santa Barbara, CA$78,640+32.0%
Boston-Cambridge-Newton, MA-NH$78,530+31.8%
San Francisco-Oakland-Fremont, CA$78,490+31.7%

Top-paying occupations benchmarked in Elkhart-Goshen, IN

OccupationMedian annual wageMedian hourly
Architectural and Engineering Managers$150,010$72.12/hr
Financial Manager$145,980$70.18/hr
Marketing Managers$139,520$67.08/hr
Computer and Information Systems Managers$138,060$66.38/hr
Sales Managers$136,270$65.51/hr
Human Resources Managers$134,320$64.58/hr
Purchasing Managers$130,510$62.75/hr
Administrative Services Managers$127,210$61.16/hr
Nurse Practitioner$127,190$61.15/hr
General and Operations Managers$122,070$58.69/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 Elkhart-Goshen, IN (2026) Overview

HVAC/R Technician median pay in Elkhart-Goshen, IN is $59,590 a year ($28.65/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents & living. Official 2026 economic data for HVAC/R Technician in Elkhart-Goshen, 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 Elkhart-Goshen, IN?

The median annual wage is $59,590 ($28.65 per hour). The middle 80% of earners make between $37,440 and $99,690. Source: BLS OEWS (May 2025).

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

On the median wage of $59,590, a single filer with no pre-tax deductions takes home about $47,160 a year ($3,930 a month) after $12,430 in federal, FICA, state and local taxes, an effective rate of 20.86%, using 2026 tax rules.