Last updated: 2025 BLS data · Page refreshed:
How much does a Occupational Therapists actually take home in Indiana?
3.0% flat rate — 24.3% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Occupational Therapists earning $97,020 in Indiana (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $97,020 | — |
| Federal Income Tax | -$13,185 | 13.6% |
| Indiana State Income Tax | -$2,959 | 3.1% |
| Social Security (OASDI) | -$6,015 | 6.2% |
| Medicare | -$1,406 | 1.4% |
| Total Taxes | -$23,566 | 24.3% |
| Take-Home Pay | $73,453 | 75.7% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Occupational Therapists in Indiana.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $69,550 | -$14,583 | $54,966 | 21.0% |
| 25th Percentile (P25) | $81,940 | -$18,635 | $63,304 | 22.7% |
| Median (P50) | $97,020 | -$23,566 | $73,453 | 24.3% |
| 75th Percentile (P75) | $104,680 | -$26,071 | $78,608 | 24.9% |
| 90th Percentile (P90) | $119,950 | -$31,161 | $88,788 | 26.0% |
After federal income tax ($13,185), state tax ($2,959), and FICA ($7,422), a Occupational Therapists in Indiana takes home $73,453 per year — or $6,121 per month. The effective tax rate of 24.3% is relatively low compared to the national range.
With an effective total rate of 24.3%, a Occupational Therapists in Indiana keeps $73,453 of $97,020 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 Occupational Therapists salary that contributes $2,959 to the 3.1% effective state-tax burden.
Federal income tax ($13,185) accounts for 56% of the total tax bill — the single largest deduction. FICA adds $7,422 (31%), and state tax the remaining $2,959 (13%).
Moving this same Occupational Therapists salary to a zero-state-tax state would yield around $76,413 net — a gain of $2,959 (4.0%) per year versus Indiana.
Indiana ranks #26 of 51 states for Occupational Therapists after-tax pay — lower half of the national distribution. Either gross wages trail the national median, state tax is elevated, or both.
Translated into paycheck cadences, $73,453 net/year works out to $6,121/month or $2,825/bi-weekly for this Occupational Therapists in Indiana — the numbers that actually hit a checking account after every deduction.
Where does a Occupational Therapists keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Indiana ranks #26 out of 51 states for Occupational Therapists after-tax take-home pay.
A Occupational Therapists in Indiana earning a median salary of $97,020 will take home approximately $73,453 per year after federal income tax ($13,185), state income tax ($2,959), and FICA ($7,422). That is $6,121 per month or $2,825 per bi-weekly paycheck.
The effective total tax rate for a Occupational Therapists in Indiana is 24.3%, broken down as: federal income tax 13.6%, Indiana state tax 3.1%, 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 Occupational Therapists's median salary of $97,020, the state income tax amounts to $2,959 per year, which is an effective state rate of 3.1%.
After all taxes, a Occupational Therapists in Indiana takes home approximately $6,121 per month, or about $35.31 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 $97,020 for Occupational Therapists 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 — $73,453/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