GS-3 Pay — Indianapolis-Carmel (2026)
This page shows GS-3 pay in the Indianapolis-Carmel locality pay area for 2026. The Indianapolis-Carmel area adds 18.15% in locality pay on top of the GS-3 base rate.
| Step | Annual | Hourly | Bi-weekly |
|---|---|---|---|
| Step 1 | $32,737 | $15.69 | $1,255.20 |
| Step 2 | $33,829 | $16.21 | $1,296.80 |
| Step 3 | $34,920 | $16.73 | $1,338.40 |
| Step 4 | $36,012 | $17.26 | $1,380.80 |
| Step 5 | $37,104 | $17.78 | $1,422.40 |
| Step 6 | $38,196 | $18.30 | $1,464.00 |
| Step 7 | $39,287 | $18.82 | $1,505.60 |
| Step 8 | $40,379 | $19.35 | $1,548.00 |
| Step 9 | $41,471 | $19.87 | $1,589.60 |
| Step 10 | $42,562 | $20.39 | $1,631.20 |
Locality pay is calculated as the base rate multiplied by one plus the locality percentage, rounded to the nearest dollar.
Check another grade, step or locality
| Base pay (before locality) | $31,404 |
| Indianapolis-Carmel-Muncie, IN locality | 18.15% |
| Adjusted annual | $37,104 |
| Per month | $3,092 |
| Bi-weekly | $1,422.40 |
| Hourly | $17.78 |
Adjusted = base × (1 + locality %), rounded to the nearest dollar. Hourly = annual ÷ 2087; bi-weekly = hourly × 80.
Related pay tables
- Full Indianapolis-Carmel GS scale
- GS-3 in every locality
- GS-2 in Indianapolis-Carmel
- GS-4 in Indianapolis-Carmel
- GS-3 in Rest of U.S.
- GS-3 in Washington-Baltimore
- GS-3 in New York-Newark
Frequently asked questions
How much does GS-3 make in Indianapolis-Carmel?
For 2026, GS-3 in Indianapolis-Carmel ranges from $32,737 at the first step to $42,562 at the top step, with $37,104 near the middle.
How is Indianapolis-Carmel locality pay calculated?
The GS-3 base rate is multiplied by one plus the Indianapolis-Carmel locality percentage of 18.15%, then rounded to the nearest dollar.
What is the 2026 raise?
For 2026, the across-the-board base rate rose while locality percentages were held at their prior-year levels, so the Indianapolis-Carmel rate remained 18.15%.
Is this before or after tax?
The GS-3 figures for Indianapolis-Carmel are gross 2026 amounts, before tax and withholding.
Source: OPM Salary Table 2026-IND · effective January 11, 2026 · Indianapolis-Carmel-Muncie, IN, 18.15% locality. Rates current as of July 20, 2026. Reference figures for general information — official pay is set by your agency, DFAS or OPM. See methodology.