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Indiana Income Tax Rates 2025

Indiana has a flat income tax rate of 3.05% on adjusted gross income. Indiana's rate is among the lowest flat rates of any state, and the state has been gradually reducing it from 3.23% as part of a multi-year plan.

Tax Type

Flat

Rate Range

3.05% flat

Brackets

1

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Indiana is only part of the equation — federal taxes apply too.

State Tax Ranking

#13 of 51 Low tax burden at $75,000 income

At $75,000 income (single filer), Indiana ranks #13 out of 51 states — where #1 is the lowest tax burden.

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Tax at Different Income Levels

Income State Tax Effective Rate Take-Home
$50,000 $1,525 3.05% $44,604
$75,000 $2,288 3.05% $64,764
$100,000 $3,050 3.05% $83,501
$150,000 $4,575 3.05% $120,358
$200,000 $6,100 3.05% $156,833

Single filer, standard deduction, 2025 tax year. Take-home is after federal + state income tax (excludes FICA).

Tax Overview

This state uses a flat income tax rate, meaning the same percentage applies to all taxable income regardless of how much you earn. This simplifies tax planning but means there is no bracket benefit for lower earners. The effective rate is very close to the headline rate after deductions.

Tax Planning Tip

With a flat tax rate, your effective state rate is predictable and consistent. Focus tax reduction on pre-tax contributions (401k, HSA) and any state-specific deductions or credits available.

With a flat tax, your Indiana state income tax is simply 3.05% of your adjusted gross income after applicable deductions. Indiana is notable for also having county-level income taxes that range from 0.5% to 2.864%, which are added on top of the state rate. Your total Indiana income tax depends on which county you reside in. Indiana exempts Social Security benefits from state income tax. The state sales tax rate is 7%, which is one of the higher rates in the country. Indiana uses federal adjusted gross income as the starting point for state tax calculations.

Property Tax & Cost of Living

Property Tax Rate
0.79%
$1,817/yr on $230,000 home
Cost of Living Index
90
10% below national average
Median Home Value
$230,000
Housing index: 73 (avg = 100)

Property tax rate is the state average effective rate. Actual rates vary by county. COL index from BEA Regional Price Parities.

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Frequently asked questions

What is Indiana's income tax rate in 2025?

Indiana has a flat income tax rate of 3.05% on all taxable income, regardless of how much you earn.

Does Indiana tax Social Security benefits?

Indiana does not tax Social Security benefits at the state level.

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Last updated May 1, 2026 Tax year 2025-26

Data sources: IRS (irs.gov), Social Security Administration

This tool is general information only, not financial advice.

Reviewed by USTax Tools Editorial Desk

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