SOC 49-9021

HVAC/R Technician Salary in Muncie, 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: 88.47 (-11.5% vs US)
Net Compensation Yield 74.9% Realized
$41,815 / net annual direct deposit
Gross Adjusted $55,850 $26.85/hr
Effective Tax Drag 19.13% Combined Jurisdictions
Marginal Top Bracket 12% Federal Statutory
Total Withheld -$10,684 $410.93/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 $26.85 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$3,351/yr)
0% Tax Shield: ~$402/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$4,120
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$3,463
Medicare Hospital Insurance
Statutory 1.45%
-$810
Indiana Individual Income Tax
State Marginal Bracket
-$1,519
Delaware County income tax
1.50%
-$772
Net Take-Home Annual Realized
$41,815 ($1,608.26 / check)
Category 2 of 6

Muncie, IN HVAC/R Technician Wage Distribution

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

Your Salary: $55,850
MIDDLE 50% (IQR RANGE) 10th $37.5k 25th $48.9k Median: $55,850 50th (Median) $55.9k 75th $64.7k 90th $80.1k You: $55,850
10th (Entry) $37,520 $18.04/hr
25th (Junior) $48,890 $23.50/hr
50th (Median) $55,850 $26.85/hr
75th (Senior) $64,710 $31.11/hr
90th (Lead/Master) $80,080 $38.50/hr
Career Progression & Licensing Milestones for HVAC/R Technician in Muncie, IN
1
HVAC Apprentice / HelperEPA 608 Universal Certification, trade school certificate
$34,969$16.81/hr · 0-2 Years
2
Service TechnicianNATE certification, independent diagnostic electrical skills
$54,010$25.97/hr · 2-5 Years
3
Lead Commercial HVAC TechChiller, VRF, and building automation system certifications
$71,861$34.55/hr · 5-9 Years
4
HVAC Mechanical ContractorState Mechanical Contractor license, bonded, business operations
$98,866$47.53/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 Muncie, IN under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
26% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $913/month Requires minimum annual gross of $36,520
HUD Fair Market Rent (2-Bedroom) $1,145/month Requires minimum annual gross of $45,800
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $19.56/hr
Per adult, 2 working adults + 1 child: $18.28/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 Muncie, 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$55,850-$10,684$41,815$1,608.26
+5h Overtime/Wk45 hrs$66,322-$13,104$49,238$1,893.77
+10h Overtime/Wk50 hrs$76,794-$16,093$56,093$2,157.41
+15h Overtime/Wk55 hrs$87,266-$19,498$62,532$2,405.06
+20h Overtime/Wk60 hrs$97,738-$22,903$68,970$2,652.71
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 Muncie, 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
$55,850/yr
$26.85/hr · SOC 49-9021
Statutory Tax Drag
19.13% Effective
-$10,684 in Total Taxes
HUD 1BR Shelter Ratio
26% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$2,572/mo
Post-$913/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 Muncie, IN: Market Snapshot

HVAC/R Technician roles in Muncie, IN report a median annual wage of $55,850, 8.5% below the national median of $61,010. The 10th to 90th percentile band runs from $37,520 to $80,080, and HUD’s $913 monthly one-bedroom fair market rent equals 19.6% of that median gross pay. The single-adult living wage benchmark for the area is $19.56 per hour.

Highest-paying metropolitan areas for HVAC/R Technician

Metropolitan areaMedian annual wageVs this market
Fairbanks-College, AK$93,820+68.0%
Anchorage, AK$85,620+53.3%
Napa, CA$84,570+51.4%
San Jose-Sunnyvale-Santa Clara, CA$82,050+46.9%
Seattle-Tacoma-Bellevue, WA$80,100+43.4%
Santa Rosa-Petaluma, CA$79,510+42.4%
Peoria, IL$78,710+40.9%
Santa Maria-Santa Barbara, CA$78,640+40.8%
Boston-Cambridge-Newton, MA-NH$78,530+40.6%
San Francisco-Oakland-Fremont, CA$78,490+40.5%

Top-paying occupations benchmarked in Muncie, IN

OccupationMedian annual wageMedian hourly
Architectural and Engineering Managers$128,370$61.72/hr
Computer and Information Systems Managers$127,880$61.48/hr
Nurse Practitioner$122,490$58.89/hr
Human Resources Managers$119,310$57.36/hr
Sales Managers$112,230$53.96/hr
Marketing Managers$102,640$49.35/hr
Financial Manager$102,430$49.25/hr
Industrial Production Managers$102,080$49.08/hr
Administrative Services Managers$100,740$48.43/hr
General and Operations Managers$99,750$47.96/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 Muncie, IN (2026) Overview

HVAC/R Technician median pay in Muncie, IN is $55,850 a year ($26.85/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 Muncie, IN?

The median annual wage is $55,850 ($26.85 per hour). The middle 80% of earners make between $37,520 and $80,080. Source: BLS OEWS (May 2025).

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

On the median wage of $55,850, a single filer with no pre-tax deductions takes home about $44,615 a year ($3,718 a month) after $11,235 in federal, FICA, state and local taxes, an effective rate of 20.12%, using 2026 tax rules.