1Indiana
Lowest20.8%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $2,183
- Payroll tax (FICA)
- $5,738
- Total tax
- $15,591
- Net income (annual)
- $59,410
Tax year 2026 · state vs state
Indiana vs Utah Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $226 less state income tax a year in Indiana than in Utah, which is about $19 a month. At $150,000 the gap is $1,389 in favor of Indiana.
Indiana: 2.95% flatUtah: 4.5% flatUpdated October 10, 2026
Compare Indiana and Utah for your income
Estimate for education only, not tax advice. 2026 federal and state rules, standard deductions, no local taxes. How we calculate.
State comparison
Comparing 2 states, sorted by lowest overall tax rate.
2Utah
21.1%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $2,409
- Payroll tax (FICA)
- $5,738
- Total tax
- $15,817
- Net income (annual)
- $59,184
Advanced analysis (optional)
Choose which extra insights you would like to see.
💰 Monthly breakdown
Your take-home pay, spread across the year
Indiana
Monthly gross$6,250
Monthly tax$1,299
Monthly take-home$4,951
Utah
Monthly gross$6,250
Monthly tax$1,318
Monthly take-home$4,932
Estimates use 2026 federal and state rates, the standard deduction for your filing status and no local taxes. Rankings use state income tax only.
Indiana vs Utah: how the two systems differ
| Indiana | Utah | |
|---|---|---|
| Wage income tax | Flat 2.95% | Flat 4.5% |
| Top rate | 2.95% | 4.5% |
| Lowest rate | 2.95% | 4.5% |
| Deductions and credits (single) | $1,000 personal exemption | $966 personal credit |
State income tax and take-home pay at every salary
The same salary can leave you with different take-home pay depending on the state. This table applies each state’s 2026 rules to a single filer with no pre-tax contributions.
| Income | IN state tax | UT state tax | Difference | IN take-home | UT take-home |
|---|---|---|---|---|---|
| $30,000 | $856 | $384 | $472 less in Utah | $25,430 | $25,901 |
| $40,000 | $1,151 | $834 | $317 less in Utah | $33,170 | $33,486 |
| $50,000 | $1,446 | $1,284 | $162 less in Utah | $40,910 | $41,071 |
| $60,000 | $1,741 | $1,734 | $7 less in Utah | $48,650 | $48,656 |
| $75,000 | $2,183 | $2,409 | $226 less in Indiana | $59,410 | $59,184 |
| $100,000 | $2,921 | $3,534 | $614 less in Indiana | $76,260 | $75,646 |
| $150,000 | $4,396 | $5,784 | $1,389 less in Indiana | $109,396 | $108,007 |
| $250,000 | $7,346 | $10,284 | $2,938 less in Indiana | $175,837 | $172,898 |
Single filer, 2026, federal standard deduction. Take-home is after federal, state and payroll tax. No local taxes.
Married filing jointly
| Income | IN state tax | UT state tax | Difference | IN take-home | UT take-home |
|---|---|---|---|---|---|
| $75,000 | $2,154 | $1,443 | $711 less in Utah | $62,469 | $63,180 |
| $100,000 | $2,891 | $2,568 | $323 less in Utah | $81,819 | $82,142 |
| $150,000 | $4,366 | $4,818 | $452 less in Indiana | $118,819 | $118,367 |
| $250,000 | $7,316 | $9,318 | $2,002 less in Indiana | $190,152 | $188,150 |
Married filing jointly, 2026, federal standard deduction. Uses each state's joint brackets where they differ.
Does the lower-tax state change as income rises?
For a single filer, Utah is the lower-tax state up to roughly $62,500 of income, and Indiana becomes the lower-tax state above that.
Rates side by side
Indiana (single filers)
| 2.95% | Over $0 |
Utah (single filers)
| 4.5% | Over $0 |
- Indiana: Indiana counties also levy a local income tax, typically between 0.5% and 3%, which is not included here.
- Utah: Utah’s credit phases out as income rises, which is not modeled here.
Full details for each state: Indiana income tax calculator and Utah income tax calculator. Federal rates are on the 2026 federal tax brackets page.
Indiana vs Utah FAQ
Which has lower income tax, Indiana or Utah?+
Indiana is lower at $75,000: $2,183 of state income tax versus $2,409 in Utah. At $150,000 it is $4,396 in Indiana and $5,784 in Utah. For a single filer, Utah is the lower-tax state up to roughly $62,500 of income, and Indiana becomes the lower-tax state above that.
How much more do I keep on $100,000 in Indiana versus Utah?+
A single filer keeping $76,260 a year in Indiana would keep $75,646 in Utah after federal, state and payroll tax. The difference is $614 a year, or $51 a month.
How do the Indiana and Utah income tax systems differ?+
Indiana uses a flat 2.95% rate; Utah uses a flat 4.5% rate.
Are local taxes included in this Indiana vs Utah comparison?+
No. It covers federal income tax, Social Security, Medicare and state income tax only. City, county, sales and property taxes are not included, and they can change the real cost of living in each state.
Should I move from Indiana to Utah to save on taxes?+
State income tax is one cost among many. Property and sales taxes, housing, insurance and wages also differ, and you may owe tax to both states in the year you move. Use this comparison as one input and confirm details with a tax professional.
Sources
- Tax Foundation: 2026 state individual income tax rates and brackets
- IRS: Tax inflation adjustments for tax year 2026
Last checked October 10, 2026. Confirm with your state tax agency before filing.
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Estimates for education only, not tax, legal or financial advice. Not a substitute for a tax professional or your state revenue department.