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Bloomington (Monroe County) Paycheck Calculator (2026)

Enter your annual salary below to see your Bloomington (Monroe County) take-home pay after federal, state, FICA, and city/local taxes for 2026.

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Quick answer

Yes. Monroe County levies a 2.14% county income tax on residents, which includes everyone living in Bloomington and most of Indiana University's staff. At $85,000 single, a Monroe County resident takes home $64,331 after federal tax, FICA, Indiana's flat state tax, and the county line.

Monroe County is Bloomington and Indiana University, and it levies a 2.14% county income tax on residents. Indiana's county tax follows residence rather than workplace, which matters more here than in most Indiana counties because the university draws staff and graduate employees from well outside the county line. A researcher living in Monroe County pays Monroe's rate; a colleague on the same payroll living over the border in Owen or Greene County pays their own county's rate on identical wages, and those rates differ. The university is the county's dominant employer by a wide margin, and its payroll is what makes the residence rule the most practically important thing on a Bloomington pay stub. Indiana's rate is a flat percentage of Indiana adjusted gross income, applied on top of the state's flat rate, with no county-level brackets. Indiana pay stubs carry no state disability line. At $85,000 single, federal tax is $9,870, Indiana state tax $2,478, FICA $6,503, and the Monroe County line $1,819, leaving take-home of $64,331.

$85,000 single filer take-home comparison

Bloomington (Monroe County)

$64,300

Indiana (no city tax)

$66,100

Texas (no income tax)

$68,600

Bloomington (Monroe County) take-home is -$1,800 vs the state-only figure and -$4,300 vs the no-income-tax baseline.

Bloomington (Monroe County) local tax breakdown

Local bracket schedule applied by the calculator for 2026.

Taxable IncomeRate
$0+2.14%

What this estimate includes

This calculator computes Bloomington (Monroe County) take-home pay using 2026 federal brackets after the standard deduction, FICA contributions (Social Security up to the annual wage base, Medicare on all wages, plus the Additional Medicare Tax above the filing-status threshold), Indiana's state income tax schedule, the Bloomington (Monroe County) local income tax. It excludes employer-side payroll taxes, custom W-4 elections, supplemental-wage handling for bonuses or equity vesting, and income from sources other than W-2 wages. Per-city resident and non-resident rules are described in the prose above where they differ.

Bloomington (Monroe County) paycheck FAQ

I work at Indiana University but live outside Monroe County. Which rate applies?
Your home county's, not Monroe's. Indiana's county income tax is set by county of RESIDENCE on 1 January, so two IU colleagues on the same salary pay different county rates if they live in different counties. Check your county of residence on Form WH-4, not your campus address.
How is Indiana's county income tax calculated?
As a flat percentage of Indiana adjusted gross income, layered on top of Indiana's flat state rate. Monroe County's 2.14% has no brackets and no wage cap. It is withheld on every paycheck alongside the state line, based on the county you declare on Form WH-4.
What is the federal tax bill on $85,000 single in Monroe County?
Federal income tax at $85,000 single is $9,870, taxed in the 22% bracket after the standard deduction. Indiana adds a flat 2.95% state rate, and Monroe County adds $1,819, for an effective total rate of roughly 24.32%.
Does a 401(k) or 403(b) contribution reduce the Monroe County tax?
Yes. Both reduce Indiana adjusted gross income, which is the base the county tax runs on, so the state and county lines fall together at a combined marginal rate near 24.95%. University employees on a 403(b) get the same treatment as a private-sector 401(k).
What changes for married filing jointly at $85,000 in Monroe County?
Joint filers clear about $68,390, roughly $4,060 more than single. Indiana's flat state rate and Monroe's flat county rate treat every filing status the same, so the difference is entirely federal. Head of household lands near $67,253.
How does Monroe County compare to Marion County?
Monroe's 2.14% sits above the rate Marion County charges, so a Bloomington resident pays slightly more county tax than an Indianapolis resident on the same gross. Both counties tax by residence, so the comparison holds regardless of where either person actually works.

See also

Run the full Indiana paycheck calculatorIndianapolis (Marion County) paycheck calculatorWhat the same wage pays in Fort Wayne (Allen County)Compare with Hamilton County, IndianaLafayette (Tippecanoe County), Indiana paycheck calculatorPaid hourly in Bloomington (Monroe County)? Estimate your per-paycheck take-homeIndiana overtime pay after taxesIndiana self-employed take-home, both FICA halvesState and local paycheck tax questionsBrowse all city paycheck calculatorsBrowse paycheck calculators by statePaycheck and tax glossaryHow we calculate paycheck taxes

Reviewed

How This Page Is Reviewed

The Bloomington (Monroe County) paycheck page is reviewed against primary federal, state, and city 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

2026-07-14