Heating, Air Conditioning, and Refrigeration Mechanics and Installers Salary in Indianapolis, IN
Heating, Air Conditioning, and Refrigeration Mechanics and Installers in the Indianapolis-Carmel-Greenwood, IN metro area earn a median $62,160 a year — 2% more than the national median. After 2026 taxes, that is $50,321 take-home, or $4,193 a month.
Take-home pay calculator
Pre-filled with the median heating, air conditioning, and refrigeration mechanics and installers salary in Indianapolis, IN. Enter your own offer to see your paycheck.
- Federal income tax$5,279
- Social Security (6.2%)$3,854
- Medicare (1.45%)$901
- Indiana income tax$1,804
- Take-home pay$50,321
Marginal rate: 12% federal + 2.95% state
Living in Indianapolis (Marion County)? City residents also pay Indianapolis (Marion County)’s County income tax — about $1,235 a year on this salary — which lowers take-home pay to $49,086 ($4,090 a month). Choose “Indianapolis (Marion County)” under City income tax in the calculator. Suburban residents usually don’t pay it.
Got an offer somewhere else? Compare it with this one after taxes and rent →
Heating, Air Conditioning, and Refrigeration Mechanics and Installers pay by experience in Indianapolis, IN
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $45,540 | $21.89 | $37,457 | $3,121 |
| 25th percentile | $49,990 | $24.03 | $40,902 | $3,408 |
| Median (50th) | $62,160 | $29.88 | $50,321 | $4,193 |
| 75th percentile | $87,880 | $42.25 | $68,091 | $5,674 |
| 90th percentile (top earners) | $98,740 | $47.47 | $75,410 | $6,284 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Indiana resident, 2026 tax rules.
What $62,160 buys in Indianapolis, IN
Prices in Indianapolis, IN are 4.3% lower than the U.S. average (housing costs are 11% below the national average). Adjusted for local prices, a median heating, air conditioning, and refrigeration mechanics and installers's $50,321 take-home pay has the buying power of $52,585 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
Heating, Air Conditioning, and Refrigeration Mechanics and Installers jobs are about as common in Indianapolis, IN as in the U.S. overall (location quotient 1.06).
Best-paying cities for heating, air conditioning, and refrigeration mechanics and installers, adjusted for cost of living
Indianapolis, IN ranks #13 of 41 metro areas once taxes and local prices are taken into account.
| # | Metro area | Median salary | Take-home | Real value* |
|---|---|---|---|---|
| 1 | Seattle, WA | $80,100 | $65,180 | $58,651 |
| 2 | Chicago, IL | $77,960 | $59,961 | $57,880 |
| 3 | Minneapolis, MN | $77,490 | $59,598 | $56,857 |
| 4 | Boston, MA | $78,530 | $60,369 | $55,760 |
| 5 | Columbus, OH | $64,440 | $52,968 | $55,482 |
| 6 | Cleveland, OH | $62,790 | $51,687 | $55,032 |
| 7 | Kansas City, MO | $62,680 | $50,535 | $54,607 |
| 8 | Cincinnati, OH | $62,240 | $51,261 | $53,749 |
| 13 | Indianapolis, IN | $62,160 | $50,321 | $52,585 |
*Take-home pay divided by the BEA price level, so every city is measured in U.S.-average dollars. See all 41 metros →
About the job: heating, air conditioning, and refrigeration mechanics and installers
Install or repair heating, central air conditioning, HVAC, or refrigeration systems, including oil burners, hot-air furnaces, and heating stoves.
- Typical education
- Postsecondary nondegree award
- Work experience
- None required
- On-the-job training
- Long-term on-the-job training
- Job outlook, 2025–35
- +10.9% (much faster than average)
Source: BLS Standard Occupational Classification and Employment Projections, 2025–35.
Frequently asked questions
How much does a heating, air conditioning, and refrigeration mechanics and installers make in Indianapolis, IN?
The median heating, air conditioning, and refrigeration mechanics and installers salary in the Indianapolis-Carmel-Greenwood, IN metro area is $62,160 a year, or about $29.88 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $49,990 and $87,880.
What is a heating, air conditioning, and refrigeration mechanics and installers’s take-home pay in Indianapolis, IN?
On the median $62,160 salary, a single filer living in Indiana takes home about $50,321 a year ($4,193 a month) after federal tax, Social Security, Medicare and $1,804 in Indiana taxes in 2026.
Is Indianapolis, IN a good place to work as a heating, air conditioning, and refrigeration mechanics and installers?
Pay here is 2% above the national median of $61,010. Local prices are 4.3% below the U.S. average, so the take-home pay buys what $52,585 would in a typical U.S. city. Indianapolis, IN ranks #13 of 41 metro areas for cost-of-living-adjusted pay in this job.
Can a heating, air conditioning, and refrigeration mechanics and installers afford rent in Indianapolis, IN?
HUD’s fair market rent for a one-bedroom in Indianapolis, IN is $1,242 a month ($1,454 for two bedrooms) — 30% of a median heating, air conditioning, and refrigeration mechanics and installers’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.