Last updated: 2025 BLS data · Page refreshed:
How much does a Heating, Air Conditioning, and Refrigeration Mechanics and Installers actually take home in Colorado?
4.4% flat rate — 21.5% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Heating, Air Conditioning, and Refrigeration Mechanics and Installers earning $65,200 in Colorado (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $65,200 | — |
| Federal Income Tax | -$6,185 | 9.5% |
| Colorado State Income Tax | -$2,868 | 4.4% |
| Social Security (OASDI) | -$4,042 | 6.2% |
| Medicare | -$945 | 1.4% |
| Total Taxes | -$14,041 | 21.5% |
| Take-Home Pay | $51,158 | 78.5% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Colorado.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $48,220 | -$9,612 | $38,607 | 19.9% |
| 25th Percentile (P25) | $58,050 | -$11,977 | $46,072 | 20.6% |
| Median (P50) | $65,200 | -$14,041 | $51,158 | 21.5% |
| 75th Percentile (P75) | $82,010 | -$19,765 | $62,244 | 24.1% |
| 90th Percentile (P90) | $103,640 | -$27,130 | $76,509 | 26.2% |
After federal income tax ($6,185), state tax ($2,868), and FICA ($4,987), a Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Colorado takes home $51,158 per year — or $4,263 per month. The effective tax rate of 21.5% is relatively low compared to the national range.
With an effective total rate of 21.5%, a Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Colorado keeps $51,158 of $65,200 gross — roughly typical for U.S. middle-income earners once federal, FICA and state taxes are combined.
Colorado applies a flat state income tax — every dollar of wage income is taxed at the same rate. For this Heating, Air Conditioning, and Refrigeration Mechanics and Installers salary that contributes $2,869 to the 4.4% effective state-tax burden.
Federal tax on this Heating, Air Conditioning, and Refrigeration Mechanics and Installers salary is $6,185 (44%), but combined state ($2,869, 20%) + FICA ($4,988, 36%) make up the other 56% of the bill.
Moving this same Heating, Air Conditioning, and Refrigeration Mechanics and Installers salary to a zero-state-tax state would yield around $54,027 net — a gain of $2,869 (5.6%) per year versus Colorado.
Colorado ranks #16 of 51 states for Heating, Air Conditioning, and Refrigeration Mechanics and Installers after-tax pay — comfortably in the upper half.
Translated into paycheck cadences, $51,158 net/year works out to $4,263/month or $1,968/bi-weekly for this Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Colorado — the numbers that actually hit a checking account after every deduction.
Where does a Heating, Air Conditioning, and Refrigeration Mechanics and Installers keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Colorado ranks #16 out of 51 states for Heating, Air Conditioning, and Refrigeration Mechanics and Installers after-tax take-home pay.
A Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Colorado earning a median salary of $65,200 will take home approximately $51,158 per year after federal income tax ($6,185), state income tax ($2,868), and FICA ($4,987). That is $4,263 per month or $1,967 per bi-weekly paycheck.
The effective total tax rate for a Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Colorado is 21.5%, broken down as: federal income tax 9.5%, Colorado state tax 4.4%, and FICA (Social Security + Medicare) 7.6%. This assumes a single filer with the standard deduction for 2024.
Colorado has a 4.4% flat rate. On a Heating, Air Conditioning, and Refrigeration Mechanics and Installers's median salary of $65,200, the state income tax amounts to $2,868 per year, which is an effective state rate of 4.4%.
After all taxes, a Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Colorado takes home approximately $4,263 per month, or about $24.60 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 $65,200 for Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Colorado, then subtract: federal income tax using 2024 IRS brackets ($14,600 standard deduction), Colorado state income tax (4.4% flat rate), Social Security (6.2% up to $168,600), and Medicare (1.45%). The result — $51,158/yr — does not include local taxes, pre-tax deductions (401k, HSA), or tax credits.
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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