Illinois vs Indiana: Take-Home Pay Compared
On a $100,000 salary you take home $74,375 in Illinois and $76,260 in Indiana. That's $1,885 more per year ($157 a month) after moving to Indiana.
| Illinois | Indiana | Difference | |
|---|---|---|---|
| Federal income tax | $13,170 | $13,170 | $0 |
| Social Security + Medicare | $7,650 | $7,650 | $0 |
| State income tax | $4,805 | $2,921 | -$1,885 |
| State payroll & local tax | $0 | $0 | $0 |
| Take-home pay / year | $74,375 | $76,260 | $1,885 |
| Take-home / month | $6,198 | $6,355 | $157 |
| Total tax rate | 25.6% | 23.7% | -1.9% |
To match your Illinois take-home pay, you would need about $97,200 in Indiana.
Illinois vs Indiana at every salary
Single filer, 2026 tax year, no pre-tax deductions. Difference is Indiana minus Illinois.
| Salary | Illinois | Indiana | Yearly difference | Monthly |
|---|---|---|---|---|
| $40,000 | $32,485 | $33,170 | $685 | $57 |
| $50,000 | $40,025 | $40,910 | $885 | $74 |
| $60,000 | $47,565 | $48,650 | $1,085 | $90 |
| $75,000 | $58,025 | $59,410 | $1,385 | $115 |
| $100,000 | $74,375 | $76,260 | $1,885 | $157 |
| $125,000 | $90,661 | $93,046 | $2,385 | $199 |
| $150,000 | $106,511 | $109,396 | $2,885 | $240 |
| $200,000 | $139,172 | $143,057 | $3,885 | $324 |
| $250,000 | $170,952 | $175,837 | $4,885 | $407 |
Why the difference?
Federal income tax, Social Security, and Medicare are identical in both states, so the gap comes entirely from state-level taxes. Illinois has a flat 4.95% income tax, while Indiana has a flat 2.95% income tax.
Income tax is only part of the picture: states without an income tax often rely more on sales and property taxes, and housing costs vary far more than taxes do. Use this comparison for your paycheck, then weigh it against rent or mortgage costs in the cities you are considering.
Commuting across the line instead of moving? Read how taxes work when you live in one state and work in another. See the full breakdowns in the Illinois paycheck calculator and the Indiana paycheck calculator.
Frequently asked questions
Is Indiana cheaper than Illinois for taxes?
For wage earners, Indiana takes less of your paycheck. On a $100,000 salary a single filer keeps $1,885 more per year in Indiana than in Illinois ($157 per month). Illinois has a flat 4.95% income tax; Indiana has a flat 2.95% income tax.
How much is $100,000 in Illinois worth in Indiana?
To take home the same $74,375 you net on $100,000 in Illinois, you would need a salary of about $97,200 in Indiana.
How much will I save moving from Illinois to Indiana?
In income and payroll taxes, about $1,385 per year at $75,000, $1,885 at $100,000, and $2,885 at $150,000 (negative numbers mean you pay more in Indiana). Sales, property, and housing costs are not included.