SOC 49-9021

HVAC/R Technician Salary in Kokomo, 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: 92.33 (-7.7% vs US)
Net Compensation Yield 73.5% Realized
$47,650 / net annual direct deposit
Gross Adjusted $64,800 $31.15/hr
Effective Tax Drag 20.47% Combined Jurisdictions
Marginal Top Bracket 12% Federal Statutory
Total Withheld -$13,262 $510.08/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 $31.15 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$3,888/yr)
0% Tax Shield: ~$467/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$5,129
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$4,018
Medicare Hospital Insurance
Statutory 1.45%
-$940
Indiana Individual Income Tax
State Marginal Bracket
-$1,767
Howard County income tax
2.35%
-$1,408
Net Take-Home Annual Realized
$47,650 ($1,832.69 / check)
Category 2 of 6

Kokomo, IN HVAC/R Technician Wage Distribution

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

Your Salary: $64,800
MIDDLE 50% (IQR RANGE) 10th $44.5k 25th $48.6k Median: $64,800 50th (Median) $64.8k 75th $96.7k 90th $97.8k You: $64,800
10th (Entry) $44,460 $21.38/hr
25th (Junior) $48,640 $23.38/hr
50th (Median) $64,800 $31.15/hr
75th (Senior) $96,660 $46.47/hr
90th (Lead/Master) $97,830 $47.03/hr
Career Progression & Licensing Milestones for HVAC/R Technician in Kokomo, IN
1
HVAC Apprentice / HelperEPA 608 Universal Certification, trade school certificate
$40,573$19.51/hr · 0-2 Years
2
Service TechnicianNATE certification, independent diagnostic electrical skills
$62,665$30.13/hr · 2-5 Years
3
Lead Commercial HVAC TechChiller, VRF, and building automation system certifications
$83,376$40.08/hr · 5-9 Years
4
HVAC Mechanical ContractorState Mechanical Contractor license, bonded, business operations
$114,709$55.15/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 Kokomo, IN under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
23% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $915/month Requires minimum annual gross of $36,600
HUD Fair Market Rent (2-Bedroom) $1,179/month Requires minimum annual gross of $47,160
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $20.42/hr
Per adult, 2 working adults + 1 child: $18.67/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 Kokomo, 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$64,800-$13,262$47,650$1,832.69
+5h Overtime/Wk45 hrs$76,950-$16,751$55,582$2,137.79
+10h Overtime/Wk50 hrs$89,100-$20,798$62,956$2,421.38
+15h Overtime/Wk55 hrs$101,250-$24,845$70,330$2,704.98
+20h Overtime/Wk60 hrs$113,400-$28,893$77,703$2,988.58
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 Kokomo, 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
$64,800/yr
$31.15/hr · SOC 49-9021
Statutory Tax Drag
20.47% Effective
-$13,262 in Total Taxes
HUD 1BR Shelter Ratio
23% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$3,056/mo
Post-$915/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 Kokomo, IN: Market Snapshot

HVAC/R Technician roles in Kokomo, IN report a median annual wage of $64,800, 6.2% above the national median of $61,010. The 10th to 90th percentile band runs from $44,460 to $97,830, and HUD’s $915 monthly one-bedroom fair market rent equals 16.9% of that median gross pay. The single-adult living wage benchmark for the area is $20.42 per hour.

Highest-paying metropolitan areas for HVAC/R Technician

Metropolitan areaMedian annual wageVs this market
Fairbanks-College, AK$93,820+44.8%
Anchorage, AK$85,620+32.1%
Napa, CA$84,570+30.5%
San Jose-Sunnyvale-Santa Clara, CA$82,050+26.6%
Seattle-Tacoma-Bellevue, WA$80,100+23.6%
Santa Rosa-Petaluma, CA$79,510+22.7%
Peoria, IL$78,710+21.5%
Santa Maria-Santa Barbara, CA$78,640+21.4%
Boston-Cambridge-Newton, MA-NH$78,530+21.2%
San Francisco-Oakland-Fremont, CA$78,490+21.1%

Top-paying occupations benchmarked in Kokomo, IN

OccupationMedian annual wageMedian hourly
Software Engineer$132,390$63.65/hr
Facilities Managers$131,390$63.17/hr
Construction Managers$127,930$61.50/hr
Nurse Practitioner$126,220$60.68/hr
Industrial Production Managers$121,790$58.55/hr
Sales Managers$119,110$57.26/hr
Financial Manager$115,140$55.36/hr
Project Management Specialist$110,920$53.33/hr
General and Operations Managers$97,930$47.08/hr
Education Administrators, Kindergarten through Secondary$96,730$46.50/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 Kokomo, IN (2026) Overview

HVAC/R Technician median pay in Kokomo, IN is $64,800 a year ($31.15/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents and living wage.

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

The median annual wage is $64,800 ($31.15 per hour). The middle 80% of earners make between $44,460 and $97,830. Source: BLS OEWS (May 2025).

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

On the median wage of $64,800, a single filer with no pre-tax deductions takes home about $50,865 a year ($4,239 a month) after $13,935 in federal, FICA, state and local taxes, an effective rate of 21.5%, using 2026 tax rules.