SOC 49-9021

HVAC/R Technician Salary in Fort Collins-Loveland, CO (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 + CO
COL Index: 129.41 (+29.4% vs US)
Net Compensation Yield 75.3% Realized
$49,911 / net annual direct deposit
Gross Adjusted $66,290 $31.87/hr
Effective Tax Drag 18.71% Combined Jurisdictions
Marginal Top Bracket 12% Federal Statutory
Total Withheld -$12,402 $477.00/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 $31.87 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$3,977/yr)
0% Tax Shield: ~$477/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$5,298
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$4,110
Medicare Hospital Insurance
Statutory 1.45%
-$961
Colorado Individual Income Tax
State Marginal Bracket
-$2,033
Net Take-Home Annual Realized
$49,911 ($1,919.64 / check)
Category 2 of 6

Fort Collins-Loveland, CO HVAC/R Technician Wage Distribution

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

Your Salary: $66,290
MIDDLE 50% (IQR RANGE) 10th $48.3k 25th $59.6k Median: $66,290 50th (Median) $66.3k 75th $104k 90th $105k You: $66,290
10th (Entry) $48,280 $23.21/hr
25th (Junior) $59,630 $28.67/hr
50th (Median) $66,290 $31.87/hr
75th (Senior) $104,100 $50.05/hr
90th (Lead/Master) $105,020 $50.49/hr
Career Progression & Licensing Milestones for HVAC/R Technician in Fort Collins-Loveland, CO
1
HVAC Apprentice / HelperEPA 608 Universal Certification, trade school certificate
$41,506$19.95/hr · 0-2 Years
2
Service TechnicianNATE certification, independent diagnostic electrical skills
$64,106$30.82/hr · 2-5 Years
3
Lead Commercial HVAC TechChiller, VRF, and building automation system certifications
$85,294$41.01/hr · 5-9 Years
4
HVAC Mechanical ContractorState Mechanical Contractor license, bonded, business operations
$117,347$56.42/hr · 9+ Years
Scaled to the Fort Collins-Loveland, CO 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 Fort Collins-Loveland, CO 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) $1,589/month Requires minimum annual gross of $63,560
HUD Fair Market Rent (2-Bedroom) $1,759/month Requires minimum annual gross of $70,360
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $28.62/hr
Per adult, 2 working adults + 1 child: $26.01/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 Fort Collins-Loveland, CO.

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$66,290-$12,402$49,911$1,919.64
+5h Overtime/Wk45 hrs$78,719-$16,019$57,978$2,229.91
+10h Overtime/Wk50 hrs$91,149-$20,054$65,626$2,524.07
+15h Overtime/Wk55 hrs$103,578-$24,089$73,274$2,818.24
+20h Overtime/Wk60 hrs$116,008-$28,125$80,922$3,112.40
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 Fort Collins-Loveland, CO: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$66,290/yr
$31.87/hr · SOC 49-9021
Statutory Tax Drag
18.71% Effective
-$12,402 in Total Taxes
HUD 1BR Shelter Ratio
38% Net Pay
⚠️ Exceeds 30% HUD Rule
Monthly Discretionary
+$2,570/mo
Post-$1,589/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 Fort Collins-Loveland, CO: Market Snapshot

HVAC/R Technician roles in Fort Collins-Loveland, CO report a median annual wage of $66,290, 8.7% above the national median of $61,010. The 10th to 90th percentile band runs from $48,280 to $105,020, and HUD’s $1,589 monthly one-bedroom fair market rent equals 28.8% of that median gross pay. The single-adult living wage benchmark for the area is $28.62 per hour.

Highest-paying metropolitan areas for HVAC/R Technician

Metropolitan areaMedian annual wageVs this market
Fairbanks-College, AK$93,820+41.5%
Anchorage, AK$85,620+29.2%
Napa, CA$84,570+27.6%
San Jose-Sunnyvale-Santa Clara, CA$82,050+23.8%
Seattle-Tacoma-Bellevue, WA$80,100+20.8%
Santa Rosa-Petaluma, CA$79,510+19.9%
Peoria, IL$78,710+18.7%
Santa Maria-Santa Barbara, CA$78,640+18.6%
Boston-Cambridge-Newton, MA-NH$78,530+18.5%
San Francisco-Oakland-Fremont, CA$78,490+18.4%

Top-paying occupations benchmarked in Fort Collins-Loveland, CO

OccupationMedian annual wageMedian hourly
Sales Managers$198,550$95.46/hr
Computer and Information Systems Managers$195,190$93.84/hr
Marketing Managers$189,690$91.20/hr
Financial Manager$175,890$84.56/hr
Architectural and Engineering Managers$175,380$84.32/hr
Purchasing Managers$171,280$82.35/hr
Human Resources Managers$156,820$75.39/hr
Natural Sciences Managers$152,730$73.43/hr
Administrative Services Managers$146,600$70.48/hr
Transportation, Storage, and Distribution Managers$144,910$69.67/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 Fort Collins-Loveland, CO (2026) Overview

HVAC/R Technician median pay in Fort Collins-Loveland, CO is $66,290 a year ($31.87/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents. Official 2026 economic data for HVAC/R Technician in Fort Collins-Loveland, CO 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 Fort Collins-Loveland, CO?

The median annual wage is $66,290 ($31.87 per hour). The middle 80% of earners make between $48,280 and $105,020. Source: BLS OEWS (May 2025).

What is the take-home pay for a HVAC/R Technician in Fort Collins-Loveland, CO after taxes?

On the median wage of $66,290, a single filer with no pre-tax deductions takes home about $53,236 a year ($4,436 a month) after $13,054 in federal, FICA, state and local taxes, an effective rate of 19.69%, using 2026 tax rules.