How much does a Registered Nurse make in Indiana?

BLS puts the average Registered Nurse pay in Indiana at $89,150 a year (BLS, May 2025). On that pay in Indiana, after federal taxes, FICA, and Indiana state taxes, your estimated take-home pay is approximately $68,947 annually ($5,746/month).

What is the take-home pay for a Registered Nurse in Indiana?

On a $89,150 salary in Indiana, your take-home pay is approximately $68,947/year or $5,746/month. Federal tax: $10,783. State tax: $2,600. FICA: $6,820.

Is $89,150 a good Registered Nurse salary?

$89,150 is the BLS average Registered Nurse pay in Indiana, 12% below the US average of $101,420 (BLS, May 2025). The middle 50% in Indiana earn between $78,750 and $100,410.

How do Indiana taxes affect Registered Nurse salaries?

Indiana levies state income tax on top of federal taxes. Your estimated state tax on $89,150 is $2,600. Your total effective tax rate is approximately 22.7%.

What are the career growth prospects for Registered Nurses?

In Indiana, the top 10% earn over $105,750 and the bottom 10% under $66,750 (BLS, May 2025). 6% growth through 2032 (faster than average). Related roles include: LPN, Nurse Practitioner, Travel Nurse, ICU Nurse.

How can a Registered Nurse in Indiana reduce their tax bill?

Maximize your 401(k) contribution ($24,500 in 2026) to reduce taxable income. An HSA ($4,400 single / $8,750 family) adds further pre-tax savings. These strategies can save thousands annually — use our calculator to see your exact savings.

Healthcare

Registered Nurse Salary in Indiana (2026)

Average Registered Nurse pay in Indiana

$89,150/year

≈ $43/hour before tax

Middle 50% earn $78,750–$100,410

US average: $101,420

Source: BLS, May 2025

After tax (single filer)

$68,947/year

$5,746/month · effective tax rate 22.66%

Federal $10,783
State $2,600
FICA $6,820
Take-home

Pay by role in Indiana

Staff RN (early career)BLS · 10th–25th percentile$66,750–$78,750
Staff RN (all units)BLS · middle 50%$78,750–$100,410
Senior / Charge RNBLS · 75th–90th percentile$100,410–$105,750
Nurse PractitionerBLS · middle 50%$111,310–$135,990
Nurse ManagerBLS · middle 50%$82,940–$134,950

See the full tax breakdown

Category	Amount
Annual Take-Home Pay	$68,947
Monthly Take-Home Pay	$5,746
Biweekly Take-Home Pay	$2,652
Hourly Take-Home Pay based on 2,080 hrs/year	$33/hr
Federal Tax	$10,783
State Tax	$2,600
FICA Taxes	$6,820
Effective Tax Rate total taxes ÷ gross salary	22.66%

Estimates only — not tax advice. · Full disclaimer →

Indiana nursing comp anchors at IU Health (the largest IN system at ~38K employees + 16 hospitals + IU School of Medicine), Eskenazi Health (Indianapolis safety-net + Marion County), Community Health Network (8 hospitals), Franciscan Health (15 hospitals statewide), Parkview Health (Fort Wayne), and Memorial Hospital (South Bend). Senior staff RN at IU Health / Eskenazi runs $108-138K mid-career; senior specialty $128-165K; CRNA $235-285K. The structural advantage is Indiana's clean tax stack: flat 2.95% state income tax (lowest non-zero of major states) plus county income tax (Marion 2.02% Indianapolis, Hamilton 1.10% Carmel/Fishers). Indiana's constitutional 1% property tax cap on primary residences is among the most homeowner-favorable in the US. IN nurses DO participate in Social Security. The 2025 Indiana Senate Bill 144 expanded NP full practice authority. The 2025 OBBBA OT deduction applies federally to qualifying premium pay through 2028.

Not all Registered Nurses earn the same — not even close

IN nursing is anchored by IU Health (~38K employees across 16 hospitals — IU Health Methodist + IU Health University + IU Health Riley Children's anchor the academic cluster; IU Health Bloomington, IU Health Ball, IU Health Arnett serve regional markets), Eskenazi Health (Indianapolis safety-net + Marion County, ~3,500 nurses), Community Health Network (8 hospitals across Indianapolis metro), Franciscan Health (15 hospitals statewide), Ascension St. Vincent Indianapolis, Parkview Health (Fort Wayne, ~10K employees, NE IN anchor), Memorial Hospital of South Bend (Beacon Health), Deaconess Health (Evansville). Here's what each tier pays in 2026:

Staff RN (early career)

$66,750–$78,750

New grad start at IU Health / Eskenazi / Community · base + benefits + retirement match

Source: BLS May 2025 · Registered Nurses · Indiana · 10th–25th percentile

Staff RN (all units)

$78,750–$100,410

Standard staff at IU Health / Eskenazi / Franciscan / Parkview · base + shift differential + OT

Source: BLS May 2025 · Registered Nurses · Indiana · middle 50%

Senior / Charge RN

$100,410–$105,750

OCN / CCRN / CNOR cert + experience · IU Health Methodist / Riley Children's tier

Source: BLS May 2025 · Registered Nurses · Indiana · 75th–90th percentile

Nurse Practitioner

$111,310–$135,990

IN expanded NP full practice authority 2025 · primary + specialty

Source: BLS May 2025 · Nurse Practitioners · Indiana · middle 50%

Nurse Manager

$82,940–$134,950

P&L responsibility · 24/7 coverage · IU Health / Franciscan senior leadership

Source: BLS May 2025 · Medical and Health Services Managers · Indiana · middle 50%

Worth knowing: IU Health Methodist Hospital + IU Health University Hospital + IU Health Riley Hospital for Children form the IN academic-medical cluster — IU School of Medicine affiliate, with Riley as the largest IN pediatric hospital. Eskenazi Health serves as Marion County's safety-net Trauma I (~700 beds, ~3,500 nurses). Community Health Network operates 8 hospitals across Indianapolis metro. Franciscan Health is the largest Catholic system in IN (15 hospitals). Parkview Health anchors NE IN nursing. Indiana SB 144 (2025) expanded NP full practice authority — IN moved from Restricted to Reduced practice authority allowing collaborative-agreement structure with prescriptive authority. INNA (Indiana Nurses Association) operates as primary professional association; Indiana removed binding teacher / nurse public-sector collective bargaining authority in 2011.

Overtime, OBBBA 2025, and Indiana's flat 2.95% + county income tax

2.95%

IN state flat tax — lowest non-zero rate of any major state · plus county income tax 0.5-3.00%

1% cap

IN constitutional property tax cap on primary residences — among most favorable in US

IU Health #1

IU Health is the largest IN health system · 38K employees · 16 hospitals · IU School of Medicine affiliate

If you're picking up extra shifts at a major IN hospital, OT rules are mostly employer-set under federal defaults — IN is right-to-work and most major hospital systems are non-union. Standard 1.5× after 40 hours/week, holiday premiums, weekend differentials, charge-nurse pay. Combined with abundant per-diem work at academic systems (IU Health Methodist / Riley) and float-pool premium, total comp routinely runs 18-28% above base for senior staff RNs.

The 2025 law (One Big Beautiful Bill Act) created a brand-new federal deduction on the premium portion of overtime pay. For tax years 2025 through 2028, you can deduct up to $12,500/year (single) or $25,000 (married filing jointly) of qualifying OT premium from your federal taxable income. Premium portion = the half of time-and-a-half. If your hourly is $42, OT pays $63 ($42 × 1.5). Only the extra $21/hour counts toward the deduction.

Real numbers for an IU Health Methodist senior ICU nurse at $42/hour base, picking up 8 OT hours a week for 50 weeks. OT premium = $42 × 0.5 × 8 × 50 = $8,400. All $8,400 is -eligible (under the $12,500 single cap). At your federal marginal bracket (~22%), that's roughly $1,850 federal back annually. Indiana does add to it — but by its own statute, not by conformity. The federal deduction sits below the line (Form 1040 line 13b) and never reaches a federal-AGI state on its own, which is why Indiana enacted a parallel deduction from state adjusted gross income for tax year 2026 (SB 243) equal to the federal amount. Because Indiana county tax is imposed on state AGI, it flows to both: about $248 of state savings on the $8,400 premium, plus roughly $170 of Marion County savings at 2.02%.

Two catches. First, only — straight-time and shift differentials probably don't qualify. Second, phaseout — the deduction phases out above $150K single / $300K . Senior IU Health specialty RNs at $145K+ approach the single threshold; married filers usually have more room. Run real numbers on the calculator before counting on the full $12,500.

Indiana for nurses — the honest take

IN nursing clusters by metro and academic-medical-center proximity. Indianapolis is the densest market — IU Health Methodist + IU Health Riley Children's + IU Health University, Eskenazi Health (Marion County safety-net Trauma I), Community Health Network (8 hospitals across Indianapolis), Ascension St. Vincent Indianapolis, Franciscan Health Indianapolis. Fort Wayne (Parkview Health, ~10K employees, NE IN anchor + Lutheran Health Network) is the second-largest IN nursing market. South Bend (Memorial Hospital + Beacon Health), Evansville (Deaconess Health), Bloomington (IU Health Bloomington, IU academic adjacency), Lafayette (IU Health Arnett, Purdue adjacency).

Indianapolis nurse housing is solidly affordable for the comp tier. Hamilton County (Carmel, Fishers, Westfield, Noblesville) and Zionsville in Boone County at $375-825K for 4BR family homes; top-tier public schools (Carmel HS, Zionsville HS, Hamilton Southeastern HS top IN). Marion County urban (Lawrence Township, Wayne Township, Pike Township) at $200-475K. Hendricks County (Avon, Plainfield, Brownsburg) at $325-525K with strong districts and 1.7% county piggyback. Most IU Health Methodist / Riley nurses commute from Hamilton (1.10% CIT — among the lowest IN counties) for housing + lower CIT.

Lower-COL Indiana metros are the under-the-radar option. Bloomington (IU Health Bloomington, MCCSC top IN district outside Hamilton County) at $350-550K family homes; Lafayette (IU Health Arnett, Tippecanoe Community School Corporation, Purdue adjacency) at $275-450K; Fort Wayne (Parkview Health) at $225-400K; Evansville (Deaconess Health) at $225-400K; South Bend (Memorial Hospital) at $225-400K. Net of housing math, lower-COL IN metros often beat Indianapolis premium on real income post-housing despite slightly lower nominal pay.

IN travel nursing pays $2,200-3,000/week at IU Health / Franciscan / Parkview contracts — solid for IN's COL but below NYC ($3,400-5,200) and Boston ($2,800-3,800) tier. Travel-contract nurses with TX or FL domicile can stack 0% state tax on assignment per-diem; IN-source income still taxed at IN rates.

Most senior IN nurses retire in-state. IN flat 2.95% + 1.10-2.02% county piggyback (Hamilton to Marion) applies in retirement (with $1,000-2,000 retirement income exclusion for older filers). Property tax 1% constitutional cap on $475K Carmel home = $4,750/year — among the most homeowner-favorable in the US. SS exempt at IN state level. Combined effective rate on $80K retirement income is ~3.5-4.5%. Plus 1% property tax cap means paid-off home costs are remarkably low. Most IN nurses stay; some relocate to TN/FL for full no-state-tax exposure but the relative tax-arbitrage gap is much smaller than for high-tax states.

How Indiana taxes work for nurses (and the IN flat + county piggyback stack)

Indiana's flat 2.95% state income tax is the lowest non-zero rate of any major state. For most nurses, state tax is straightforward — flat rate, no progressive complexity. The complication is the county income tax: every IN county levies an additional 0.5-3.00% on top of state. Marion County (Indianapolis) 2.02%, Hamilton County (Carmel/Fishers) 1.10%, Hendricks (Avon/Plainfield) 1.7%, Boone 1.7%, Hancock 1.94%. For a $135K IU Health Methodist senior ICU nurse living in Hamilton County (1.10% CIT), combined effective state + county is ~4.05% (~$5,470/year). Same nurse in Marion County (2.02%): ~4.97% (~$6,710/year). The decision compounds over a career.

Critical advantage vs MA / NJ / CA / NY teachers (and most CA/NY nurses): IN nurses DO participate in Social Security. SS adds another $26-36K/year typically in retirement on top of voluntary /. The non-SS-participation carve-out applies only to government / teacher pension funds in some states; private 501(c)(3) hospital nurses and IN public-employee nurses both contribute to .

IN's 1% constitutional property tax cap on primary residences (Indiana Property Tax Caps Amendment, 2010) is the structural housing-cost advantage. A $475K Hamilton County home cost s$4,750/year — vs $13K+ on equivalent Maryland or NJ home. Long-tenure IN nurse homeowners save dramatically over 30-year careers and into retirement.

IN fully conforms federal on / / — pre-tax deferrals reduce both federal and IN state-plus-county taxable income. IU Health offers 401(k) with employer match; IU Health is also a state instrumentality with state-employee 457(b) eligibility for some categories. Eskenazi (county-based) offers 457(b). Most other IN private hospitals offer 401(k) only. At an IU Health senior nurse rate ~26% combined federal + IN state + Hamilton County, maxing 401(k) saves ~$6,400/year. With 457(b) layered (where eligible), maxing both = $49K combined saves ~$12,000/year — federal-state-county savings stack particularly favorably with IN's clean tax structure.

Indiana SB 144 (2025) expanded NP full practice authority — IN moved from Restricted to Reduced practice authority. NPs with 4,000+ post-licensure clinical hours can practice with prescriptive authority via collaborative agreement (no direct physician supervision required). Senior NP at $118-155K with private practice or hospital employment. Cash-pay aesthetic NP work in Carmel / Zionsville / Fishers genuinely lucrative for entrepreneurial NPs.

IN taxes pension and distributions at flat 2.95% + county piggyback (with $1,000-2,000 retirement income exclusion for older filers), Social Security fully exempt at state level. A senior IN nurse retiring with $60K of 401(k) + Social Security pays IN state on the 401(k) portion — combined with Hamilton County 1.10% piggyback, effective ~4% on $60K = ~$2,400/year. Property tax 1% cap on $475K paid-off home = $4,750/year. The combined retirement-income tax burden is among the most favorable in the US for non-zero-tax states.

→Choose your residence county strategically — Hamilton County (1.10% CIT) saves vs Marion County (2.02%) for same income. Decision compounds over a 30-year career.
→Max AND at IU Health (state-employee 457(b) categories) or 401(k) elsewhere — at combined ~26% marginal, saves up to ~$12,000/year in tax.
→Pursue IU Health Methodist / Riley / University specialty + cert. Senior specialty RN $128-165K total comp.
→Per-diem supplement at IU Health / Eskenazi / Community / Franciscan — 1-3 shifts/month at $58-92/hour adds $12-25K/year.
→CRNA path is the biggest comp lever — $235-285K. IU School of Nursing DNAP + 1-yr residency. Hospital-employed at IU Health / Franciscan plus per-diem.
→NP transition under 2025 IN SB 144 FPA — $118-155K senior NP with full practice authority + collaborative-agreement structure.
→1% property tax cap — file homestead exemption immediately when you buy. Among the most homeowner-favorable structures in the US.
→Stay in IN for retirement — flat 2.95% + low county piggyback + 1% property tax cap + INPRS or + Social Security combined among the most favorable US retirement tax structures.

Three Indiana nursing markets — what each one looks like

IN nursing splits into Indianapolis academic-medical (IU Health + Eskenazi + Community + Franciscan + Ascension), Fort Wayne / Parkview NE IN anchor, and lower-COL secondary metros. Pay overlaps but county piggyback exposure varies and housing math diverges.

Indianapolis Academic-Medical (IU Health + Eskenazi + Community + Franciscan + Ascension)

Staff RN $98-130K · ICU/OR with cert $118-155K · CRNA $245-285K

IU Health Methodist Hospital + IU Health University Hospital + IU Health Riley Hospital for Children form the academic-medical cluster (IU School of Medicine affiliate). Eskenazi Health (Marion County safety-net Trauma I, ~3,500 nurses, 700 beds). Community Health Network (8 hospitals across Indianapolis: Community North, East, South, Heart, Howard, Howard, Anderson, Westfield). Ascension St. Vincent Indianapolis. Franciscan Health Indianapolis. Most workforce housing in Hamilton County (Carmel, Zionsville, Fishers, Noblesville) at $375-825K, Hendricks County (Avon, Plainfield, Brownsburg) at $325-525K, or Marion urban at $200-475K.

Indianapolis is IN's densest nursing market with strong academic anchor (IU Health Methodist / Riley), safety-net (Eskenazi), and community-hospital depth (Community Health Network). Hamilton County 1.10% CIT plus 1% property tax cap creates unusually favorable working-and-retirement combination for IN nurses.

Fort Wayne / Parkview Health (NE IN)

Staff RN $88-115K · ICU/OR with cert $108-140K · CRNA $215-265K

Parkview Health (~10K employees, NE IN anchor) operates Parkview Regional Medical Center (Trauma II) plus 12 community hospitals across NE Indiana. Lutheran Health Network is the secondary Fort Wayne system. Allen County (Fort Wayne) 1.59% county piggyback. Workforce housing in Fort Wayne suburbs (Auburn, Huntertown, New Haven) at $225-400K — meaningful affordability vs Indianapolis tier.

Fort Wayne nursing pay tier 12-18% below Indianapolis but COL meaningfully lower (Allen County 4BR family homes $225-400K vs Hamilton County $375-825K). Net of housing math, Fort Wayne RN often comparable real income post-housing to Indianapolis Hamilton County peer despite lower nominal pay.

Bloomington / Lafayette / Evansville / South Bend

Staff RN $82-110K · ICU/OR with cert $105-138K · CRNA $205-255K

IU Health Bloomington (Monroe County, IU academic adjacency, 2.14% CIT), IU Health Arnett Lafayette (Tippecanoe, Purdue adjacency, 1.28% CIT), Deaconess Health Evansville (Vanderburgh County, 1.25% CIT), Memorial Hospital of South Bend (St. Joseph County, 1.75% CIT, Notre Dame adjacency, Beacon Health). All offer reasonable hospital pay; Lafayette, Evansville and South Bend carry lower CIT than Marion County's 2.02%, Bloomington slightly higher.

Bloomington / Lafayette / Evansville / South Bend offer the strongest IN cost-to-pay ratio outside Hamilton County. Lower nominal pay than Indianapolis but materially cheaper housing ($225-450K), with CIT from 1.25% (Evansville) to 2.14% (Bloomington) against Marion's 2.02%. University-adjacent positions (IU, Purdue, Notre Dame) provide academic supplemental income.

The Indiana nursing career arc — BSN to IU Health pivot to in-state retirement

Year 1-2 (new grad RN): $78-98K. BSN from IU School of Nursing / Purdue School of Nursing / Ball State / IUPUI / Indiana State / University of Indianapolis plus Indiana State Board of Nursing licensure (NCLEX-RN). First role typically at IU Health, Eskenazi, Community Health Network, or Franciscan. New-grad residency programs at IU Health Methodist competitive (15-20% acceptance).

Year 3-5 (mid-career): $98-135K. Pursue ICU / OR / NICU / ER / oncology cert (CCRN, CNOR, RNC-NIC, OCN) — cert premium $5-10K above base. Most max (or where eligible at IU Health state-employee categories or Eskenazi county) immediately. Travel contracts available with strong references — 13-26 week placements at $2,200-3,000/wk + per-diem and lodging.

Year 5-10 (senior specialty / NP / CRNA pivot): $118-165K (CRNA $235-285K). Senior IU Health Methodist / Riley / Community / Franciscan specialty + cert clears top IN tier. NP transition under 2025 IN SB 144 FPA — $118-155K with full practice authority after 4,000 post-licensure clinical hours. CRNA path requires 3-year DNAP at IU School of Nursing.

Year 10-20 (established senior / nurse executive / private-practice CRNA): $135-200K (CRNA private $250-385K). Senior IU Health / Franciscan / Parkview nurse executives in $165-200K range. Private-practice CRNAs in suburban Indianapolis anesthesia groups $250-385K with partnership equity.

Retirement (60-65): IN flat 2.95% + 1.10-2.02% county piggyback (Hamilton to Marion) applies (with $1-2K retirement exclusion for older filers); SS exempt. Property tax 1% constitutional cap on $475K paid-off Carmel home = $4,750/year — among the most homeowner-favorable in the US. Most IN nurses retire in-state; the relative tax-arbitrage advantage of TN/FL relocation is much smaller than for high-tax peer states. Many stay through retirement specifically because in-state late-career math is genuinely good.

Where Indiana nurses actually live

Most IU Health Methodist / Riley nurses live in Hamilton County (Carmel, Fishers, Westfield, Noblesville) for 1.10% CIT + housing math + top schools, or in Zionsville (Boone County, 1.70%). Marion County urban for IPS-area teachers + Eskenazi nurses at $200-475K. Fort Wayne nurses in Parkview-adjacent suburbs (Auburn, Huntertown, New Haven). Bloomington / Lafayette nurses near IU / Purdue.

Carmel / Zionsville / Fishers (Hamilton County)

IU Health / Community / Ascension commute · 1.10% CIT (Zionsville: Boone, 1.70%) · $375-$825K family homes · top schools

Avon / Plainfield / Brownsburg (Hendricks County)

IU Health Plainfield commute · 1.7% CIT · $325-$525K · strong districts

Lawrence / Pike Township (Marion County north)

IU Health Methodist commute · 2.02% CIT · $300-475K · urban-suburban

Auburn / Huntertown / New Haven (Allen County NE IN)

Parkview Health · 1.59% CIT · $225-400K · meaningful affordability

Bloomington / Lafayette (university-adjacent)

IU Health Bloomington / Arnett · 1.28-2.14% CIT · $275-$550K · IU / Purdue academic adjacency

South Bend / Evansville (smaller IN metros)

Memorial Hospital / Deaconess · 1.25-1.75% CIT · $225-400K · cheapest substantial markets

Most senior IN nurses retire in-state. The combination of flat 2.95% + low county piggyback + 1% property tax cap + / + Social Security backup makes IN's late-career tax math among the most favorable in the country among non-zero-tax states. Lower relocation pressure than from CA / NY / NJ / MA.

Is this the right move?

Indiana nursing — who it's best for

Working in your favor

+IN flat 2.95% — lowest non-zero state rate of any major state · combined with county CIT from Hamilton 1.10% to Marion 2.02%
+1% constitutional property tax cap on primary residences — among the most homeowner-favorable structures in the US
+IU Health is the largest IN system at 38K employees + 16 hospitals + IU School of Medicine affiliate · world-class academic anchor
+IN nurses DO participate in Social Security — adds $26-36K/year retirement on top of 401(k)/457(b)
+IN SB 144 (2025) expanded NP full practice authority — senior NP $118-155K with FPA after 4,000 post-licensure clinical hours
+IN fully conforms federal on 401(k) / 403(b) / 457(b) — pre-tax savings reduce federal + IN-plus-county taxable income
+Hamilton County (1.10% CIT) plus 1% property tax cap creates unusually favorable working-and-retirement combination
+Bloomington / Lafayette / Fort Wayne offer cleaner cost-to-pay ratios than Indianapolis premium for relocators prioritizing housing math

Worth knowing before you sign

−Indiana eliminated public-sector binding bargaining in 2011 — INNA professional association presence weaker than CA / NY / MA / WA peers
−Average IN nurse salary lower than coastal peer states — Indianapolis tier 15-25% below NYC / Boston / Bay Area on absolute basis
−Marion County 2.02% CIT is nearly double Hamilton's 1.10% — meaningful for Indianapolis-resident nurses
−IN does not have CA Title 22-style mandatory staffing ratios — contract floors weaker than CA / NY academic systems
−IN travel rates $2,200-3,000/wk lag NYC / Boston tier
−Indiana winters are real (snow in northwest IN)

Sources & Methodology

Salary figures are market estimates for Registered Nurses in Indiana and vary by employer, specialty, seniority, and metro. Take-home math assumes a single filer with no dependents, the standard deduction, and Indiana 2026 state rates. Local taxes, insurance premiums, and pre-tax contributions will move your number — run the calculator for your own situation.

Run your own numbers