Last updated: 2025 BLS data · Page refreshed:
How much does a Physical Therapists actually take home in Indiana?
3.0% flat rate — 24.7% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Physical Therapists earning $101,560 in Indiana (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $101,560 | — |
| Federal Income Tax | -$14,184 | 14.0% |
| Indiana State Income Tax | -$3,097 | 3.0% |
| Social Security (OASDI) | -$6,296 | 6.2% |
| Medicare | -$1,472 | 1.4% |
| Total Taxes | -$25,051 | 24.7% |
| Take-Home Pay | $76,508 | 75.3% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Physical Therapists in Indiana.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $76,960 | -$17,006 | $59,953 | 22.1% |
| 25th Percentile (P25) | $82,540 | -$18,831 | $63,708 | 22.8% |
| Median (P50) | $101,560 | -$25,051 | $76,508 | 24.7% |
| 75th Percentile (P75) | $114,800 | -$29,380 | $85,419 | 25.6% |
| 90th Percentile (P90) | $125,390 | -$33,048 | $92,341 | 26.4% |
After federal income tax ($14,184), state tax ($3,097), and FICA ($7,769), a Physical Therapists in Indiana takes home $76,508 per year — or $6,375 per month. The effective tax rate of 24.7% is relatively low compared to the national range.
With an effective total rate of 24.7%, a Physical Therapists in Indiana keeps $76,509 of $101,560 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 Physical Therapists salary that contributes $3,098 to the 3.0% effective state-tax burden.
Federal income tax ($14,184) accounts for 57% of the total tax bill — the single largest deduction. FICA adds $7,769 (31%), and state tax the remaining $3,098 (12%).
Moving this same Physical Therapists salary to a zero-state-tax state would yield around $79,606 net — a gain of $3,098 (4.0%) per year versus Indiana.
Indiana ranks #16 of 51 states for Physical Therapists after-tax pay — comfortably in the upper half.
Translated into paycheck cadences, $76,509 net/year works out to $6,376/month or $2,943/bi-weekly for this Physical Therapists in Indiana — the numbers that actually hit a checking account after every deduction.
Where does a Physical Therapists keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Indiana ranks #16 out of 51 states for Physical Therapists after-tax take-home pay.
A Physical Therapists in Indiana earning a median salary of $101,560 will take home approximately $76,508 per year after federal income tax ($14,184), state income tax ($3,097), and FICA ($7,769). That is $6,375 per month or $2,942 per bi-weekly paycheck.
The effective total tax rate for a Physical Therapists in Indiana is 24.7%, broken down as: federal income tax 14.0%, 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 Physical Therapists's median salary of $101,560, the state income tax amounts to $3,097 per year, which is an effective state rate of 3.0%.
After all taxes, a Physical Therapists in Indiana takes home approximately $6,375 per month, or about $36.78 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 $101,560 for Physical 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 — $76,508/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