United States · Federal pay 2026 · Indianapolis-Carmel-Muncie, IN
Indianapolis-Carmel-Muncie GS pay scale 2026
Locality pay in Indianapolis-Carmel-Muncie is 18.15% in 2026, so GS pay runs from $26,683 a year (GS-1 step 1) to $194,122 (GS-15 step 10). A GS-12 step 1 earns $90,341, $833 more than in the Rest of U.S. area.
Pick a grade and step, or read the whole table below. Every figure is OPM’s own for this locality.
Indianapolis-Carmel-Muncie · GS-12 step 1
$90,341 a year
$7,528.42 a month · $3,474.65 every two weeks, before tax
$13,878 of it is locality pay on top of the $76,463 base.
| Grade | Step 1 | Step 2 | Step 3 | Step 4 | Step 5 | Step 6 | Step 7 | Step 8 | Step 9 | Step 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| GS-1 | $26,683 | $27,577 | $28,465 | $29,348 | $30,233 | $30,752 | $31,630 | $32,514 | $32,550 | $33,375 |
| GS-2 | $30,002 | $30,715 | $31,710 | $32,550 | $32,914 | $33,882 | $34,850 | $35,817 | $36,785 | $37,752 |
| GS-3 | $32,737 | $33,829 | $34,920 | $36,012 | $37,104 | $38,196 | $39,287 | $40,379 | $41,471 | $42,562 |
| GS-4 | $36,748 | $37,973 | $39,199 | $40,424 | $41,649 | $42,874 | $44,099 | $45,325 | $46,550 | $47,775 |
| GS-5 | $41,115 | $42,486 | $43,856 | $45,227 | $46,597 | $47,968 | $49,338 | $50,709 | $52,079 | $53,450 |
| GS-6 | $45,832 | $47,359 | $48,887 | $50,415 | $51,942 | $53,470 | $54,998 | $56,525 | $58,053 | $59,581 |
| GS-7 | $50,930 | $52,628 | $54,325 | $56,023 | $57,721 | $59,419 | $61,117 | $62,814 | $64,512 | $66,210 |
| GS-8 | $56,402 | $58,282 | $60,162 | $62,042 | $63,922 | $65,801 | $67,681 | $69,561 | $71,441 | $73,320 |
| GS-9 | $62,297 | $64,374 | $66,451 | $68,528 | $70,605 | $72,682 | $74,759 | $76,836 | $78,914 | $80,991 |
| GS-10 | $68,603 | $70,889 | $73,175 | $75,461 | $77,747 | $80,034 | $82,320 | $84,606 | $86,892 | $89,178 |
| GS-11 | $75,374 | $77,887 | $80,400 | $82,913 | $85,426 | $87,939 | $90,452 | $92,965 | $95,478 | $97,991 |
| GS-12 | $90,341 | $93,353 | $96,364 | $99,376 | $102,388 | $105,399 | $108,411 | $111,423 | $114,434 | $117,446 |
| GS-13 | $107,428 | $111,009 | $114,590 | $118,171 | $121,752 | $125,334 | $128,915 | $132,496 | $136,077 | $139,658 |
| GS-14 | $126,947 | $131,180 | $135,412 | $139,644 | $143,876 | $148,108 | $152,340 | $156,572 | $160,805 | $165,037 |
| GS-15 | $149,323 | $154,300 | $159,278 | $164,256 | $169,233 | $174,211 | $179,189 | $184,166 | $189,144 | $194,122 |
How does Indianapolis-Carmel-Muncie GS pay compare?
Indianapolis-Carmel-Muncie has the 50th highest locality pay of the 58 areas. Step 1 of some grades, beside the base table and the Rest of U.S. area:
| Grade, step 1 | Indianapolis-Carmel-Muncie | Base table | Rest of U.S. |
|---|---|---|---|
| GS-5 | $41,115 | $34,799 | $40,736 |
| GS-7 | $50,930 | $43,106 | $50,460 |
| GS-9 | $62,297 | $52,727 | $61,722 |
| GS-11 | $75,374 | $63,795 | $74,678 |
| GS-12 | $90,341 | $76,463 | $89,508 |
| GS-13 | $107,428 | $90,925 | $106,437 |
| GS-14 | $126,947 | $107,446 | $125,776 |
| GS-15 | $149,323 | $126,384 | $147,945 |
No cell reaches the $197,200 cap in Indianapolis-Carmel-Muncie: every grade and step gets the full 18.15%.
What is the locality pay in other areas?
- Alaska 32.36%
- Albany-Schenectady 20.77%
- Albuquerque-Santa Fe-Las Vegas 18.33%
- Atlanta-Athens-Clarke County-Sandy Springs 23.79%
- Austin-Round Rock-Georgetown 20.35%
- Birmingham-Hoover-Talladega 18.24%
- Boston-Worcester-Providence 32.58%
- Buffalo-Cheektowaga-Olean 22.41%
- Burlington-South Burlington-Barre 19.45%
- Charlotte-Concord 19.67%
- Chicago-Naperville 30.86%
- Cincinnati-Wilmington-Maysville 21.93%
- Cleveland-Akron-Canton 22.23%
- Colorado Springs 20.15%
- Columbus-Marion-Zanesville 22.15%
- Corpus Christi-Kingsville-Alice 17.63%
- Dallas-Fort Worth 27.26%
- Davenport-Moline 18.93%
- Dayton-Springfield-Kettering 21.42%
- Denver-Aurora 30.52%
- Des Moines-Ames-West Des Moines 18.01%
- Detroit-Warren-Ann Arbor 29.12%
- Fresno-Madera-Hanford 17.65%
- Harrisburg-Lebanon 19.43%
- Hartford-East Hartford 32.08%
- Hawaii 22.21%
- Houston-The Woodlands 35%
- Huntsville-Decatur 21.91%
- Kansas City-Overland Park-Kansas City 18.97%
- Laredo 21.59%
- Las Vegas-Henderson 19.57%
- Los Angeles-Long Beach 36.47%
- Miami-Port St. Lucie-Fort Lauderdale 24.67%
- Milwaukee-Racine-Waukesha 22.42%
- Minneapolis-St. Paul 27.62%
- New York-Newark 37.95%
- Omaha-Council Bluffs-Fremont 18.23%
- Palm Bay-Melbourne-Titusville 17.93%
- Philadelphia-Reading-Camden 28.99%
- Phoenix-Mesa 22.45%
- Pittsburgh-New Castle-Weirton 21.03%
- Portland-Vancouver-Salem 26.13%
- Raleigh-Durham-Cary 22.24%
- Reno-Fernley 17.52%
- Richmond 22.28%
- Rochester-Batavia-Seneca Falls 17.88%
- Sacramento-Roseville 29.76%
- San Antonio-New Braunfels-Pearsall 18.78%
- San Diego-Chula Vista-Carlsbad 33.72%
- San Jose-San Francisco-Oakland 46.34%
- Seattle-Tacoma 31.57%
- Spokane-Spokane Valley-Coeur d'Alene 17.67%
- St. Louis-St. Charles-Farmington 20.03%
- Tucson-Nogales 19.28%
- Virginia Beach-Norfolk 18.8%
- Washington-Baltimore-Arlington 33.94%
- Rest of U.S. 17.06%
What does this leave out?
- Special rates for some jobs (such as law enforcement officers) and other pay plans.
- Which counties are in this locality: check with your agency.
- Tax and deductions: the GS pay calculator works out take-home pay.
What else can I work out?
- GS pay calculator Salary and take-home pay for any grade and step in Indianapolis-Carmel-Muncie.
- GS pay scale 2026 The General Schedule base table and every locality’s own table.
- Military pay calculator Basic pay, BAH, BAS and take-home pay for your rank, years of service, ZIP code and home state.
- Military and federal pay Every military and federal pay calculator and chart in one place.
Questions about GS pay in Indianapolis-Carmel-Muncie
What is the locality pay for Indianapolis-Carmel-Muncie in 2026?
18.15%, for the area OPM calls “Indianapolis-Carmel-Muncie, IN”. That ranks 50 of the 58 locality areas. It is added to the base table, so a GS-9 step 1 earns $62,297 here against $52,727 on the base table.
How much does a GS-12 make in Indianapolis-Carmel-Muncie?
From $90,341 a year at step 1 to $117,446 at step 10 in 2026. Step 5 is $102,388.
What is GS-13 pay in Indianapolis-Carmel-Muncie?
$107,428 at step 1, $121,752 at step 5 and $139,658 at step 10, a year.
What does a GS-7 earn in Indianapolis-Carmel-Muncie?
$50,930 a year at step 1 ($1,958.85 every two weeks before tax) and $66,210 at step 10.
Is GS pay in Indianapolis-Carmel-Muncie capped?
No cell reaches the $197,200 cap in Indianapolis-Carmel-Muncie: every grade and step gets the full 18.15%.
Will GS pay in Indianapolis-Carmel-Muncie change in 2027?
Not decided yet. The President’s plan proposes a pay freeze for 2027, with base and locality pay staying at their 2026 rates: “I have determined that for 2027, base pay and locality pay for civilian Federal employees will not change from the 2026 rates.” That is a proposal, not final.