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Side-by-side state comparison

Illinois vs Indiana Paycheck Comparison (2026)

Last reviewed: April 20, 2026

At $100,000 single filer, take-home difference

Moving from Illinois to Indiana saves approximately $1,900 per year at $100,000 single.

Computed from the tax engine with 2026 federal brackets, FICA, and state tax. Standard deduction, no pre-tax contributions.

Illinois and Indiana are neighbors with different state tax structures despite similar paycheck math at first glance. Illinois levies a 4.95% flat state tax. Indiana taxes wages at a 3.05% flat state rate plus a county-level County Income Tax (CIT) on top, ranging from roughly 0.5% to 2.5% depending on the county of residence. For an Indiana wage earner in a low-CIT county, the combined Indiana state-plus-county rate is below Illinois's 4.95%; in a high-CIT county like Marion (Indianapolis), the stack approaches Illinois's rate. The comparison table below uses the Indiana state rate alone, so it under-represents the actual Indiana load for residents in higher-CIT counties.

Data pending verification

Indiana's county-level County Income Tax (CIT) is not applied to the Indiana side of this comparison's headline numbers. For Indiana county-specific take-home math, use the dedicated Indiana county pages.

How the state tax structures compare

FeatureIllinoisIndiana
State structure4.95 percent flat tax3.05 percent flat tax
Taxes wages?YesYes

Take-home at four common salary points

Single filer, 2026 brackets, standard deduction, no pre-tax contributions. Delta is Indiana take-home minus Illinois take-home.

SalaryIllinoisIndianaDelta
$50,000$39,880$40,830+$950
$100,000$74,230$76,130+$1,900
$150,000$106,366$109,216+$2,850
$250,000$170,807$175,557+$4,750

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Indiana takes home more

+$1,900

more per year vs. Illinois · $158/mo · $73/paycheck

5-Year Difference

$9,500

Tax Component
Illinois
Indianawinner
Gross Salary$100,000$100,000
Federal Tax$13,170$13,170
Social Security$6,200$6,200
Medicare$1,450$1,450
State Tax$4,950$3,050
Local / City Tax$0$0
Annual Take-Home$74,230$76,130
Effective Tax Rate25.77%23.87%
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Illinois vs Indiana FAQ

Does this comparison include Indiana's county income tax?
No. The table covers Indiana state tax only (3.05% flat). Indiana's County Income Tax adds another line (0.5% to 2.5% depending on county). For an exact county-level comparison, use the Indiana state page or the relevant Indiana county/city page (Marion/Indianapolis, Allen/Fort Wayne, Hamilton, etc.).
How do the underlying state structures compare?
Both are flat-rate states. Illinois at 4.95% is higher than Indiana state at 3.05%, but Indiana adds CIT on top. For most Indiana counties, the combined Indiana load is still below the Illinois flat rate; for the highest-CIT counties, it can match Illinois.
Is Chicago city tax included for the Illinois side?
No. Chicago does not levy a city income tax on wages (unlike NYC or many Ohio cities). Illinois's 4.95% applies statewide with no city-level wage-tax layer.

See also

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Reviewed

How This Page Is Reviewed

The Illinois vs Indiana comparison is reviewed against primary federal and state sources before each major tax-year update. Source links below are the references used to validate brackets, wage bases, and supported local taxes.

Reviewed by

PaycheckCalc Research Desk

Last reviewed

2026-04-20