Last updated: 2025 BLS data · Page refreshed:
How much does a Commercial Divers actually take home in Indiana?
3.0% flat rate — 22.9% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Commercial Divers earning $83,510 in Indiana (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $83,510 | — |
| Federal Income Tax | -$10,213 | 12.2% |
| Indiana State Income Tax | -$2,547 | 3.0% |
| Social Security (OASDI) | -$5,177 | 6.2% |
| Medicare | -$1,210 | 1.4% |
| Total Taxes | -$19,148 | 22.9% |
| Take-Home Pay | $64,361 | 77.1% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Commercial Divers in Indiana.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $79,040 | -$17,687 | $61,352 | 22.4% |
| 25th Percentile (P25) | $79,040 | -$17,687 | $61,352 | 22.4% |
| Median (P50) | $83,510 | -$19,148 | $64,361 | 22.9% |
| 75th Percentile (P75) | $87,370 | -$20,410 | $66,959 | 23.4% |
| 90th Percentile (P90) | $104,980 | -$26,169 | $78,810 | 24.9% |
After federal income tax ($10,213), state tax ($2,547), and FICA ($6,388), a Commercial Divers in Indiana takes home $64,361 per year — or $5,363 per month. The effective tax rate of 22.9% is relatively low compared to the national range.
With an effective total rate of 22.9%, a Commercial Divers in Indiana keeps $64,361 of $83,510 gross — roughly typical for U.S. middle-income earners once federal, FICA and state taxes are combined.
Indiana applies a flat state income tax — every dollar of wage income is taxed at the same rate. For this Commercial Divers salary that contributes $2,547 to the 3.0% effective state-tax burden.
Federal tax on this Commercial Divers salary is $10,213 (53%), but combined state ($2,547, 13%) + FICA ($6,389, 33%) make up the other 47% of the bill.
Moving this same Commercial Divers salary to a zero-state-tax state would yield around $66,908 net — a gain of $2,547 (4.0%) per year versus Indiana.
Indiana ranks #8 of 19 states for Commercial Divers after-tax pay — comfortably in the upper half.
Translated into paycheck cadences, $64,361 net/year works out to $5,363/month or $2,475/bi-weekly for this Commercial Divers in Indiana — the numbers that actually hit a checking account after every deduction.
Where does a Commercial Divers keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Indiana ranks #8 out of 19 states for Commercial Divers after-tax take-home pay.
A Commercial Divers in Indiana earning a median salary of $83,510 will take home approximately $64,361 per year after federal income tax ($10,213), state income tax ($2,547), and FICA ($6,388). That is $5,363 per month or $2,475 per bi-weekly paycheck.
The effective total tax rate for a Commercial Divers in Indiana is 22.9%, broken down as: federal income tax 12.2%, Indiana state tax 3.0%, and FICA (Social Security + Medicare) 7.6%. This assumes a single filer with the standard deduction for 2024.
Indiana has a 3.0% flat rate. On a Commercial Divers's median salary of $83,510, the state income tax amounts to $2,547 per year, which is an effective state rate of 3.0%.
After all taxes, a Commercial Divers in Indiana takes home approximately $5,363 per month, or about $30.94 per hour (based on a standard 2,080-hour work year). These figures assume a single filer, standard deduction, and no additional pre-tax deductions.
We start with the 2025 BLS median salary of $83,510 for Commercial Divers in Indiana, then subtract: federal income tax using 2024 IRS brackets ($14,600 standard deduction), Indiana state income tax (3.0% flat rate), Social Security (6.2% up to $168,600), and Medicare (1.45%). The result — $64,361/yr — does not include local taxes, pre-tax deductions (401k, HSA), or tax credits.
Some links are affiliate links. See our disclosure.
This estimate assumes a single filer using the 2024 standard deduction ($14,600), with W-2 employment income only. It does not account for: itemized deductions, tax credits (e.g. earned income credit, child tax credit), local/city taxes, pre-tax contributions (401k, HSA, FSA), self-employment tax, or additional income sources. Actual take-home pay may differ. Consult a tax professional for personalized advice.
Our Methodology · Data Sources · Salary: BLS OEWS · Tax: IRS + State DOR