GS-5 Pay — Indianapolis-Carmel (2026)
This page shows GS-5 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-5 base rate.
| Step | Annual | Hourly | Bi-weekly |
|---|---|---|---|
| Step 1 | $41,115 | $19.70 | $1,576.00 |
| Step 2 | $42,486 | $20.36 | $1,628.80 |
| Step 3 | $43,856 | $21.01 | $1,680.80 |
| Step 4 | $45,227 | $21.67 | $1,733.60 |
| Step 5 | $46,597 | $22.33 | $1,786.40 |
| Step 6 | $47,968 | $22.98 | $1,838.40 |
| Step 7 | $49,338 | $23.64 | $1,891.20 |
| Step 8 | $50,709 | $24.30 | $1,944.00 |
| Step 9 | $52,079 | $24.95 | $1,996.00 |
| Step 10 | $53,450 | $25.61 | $2,048.80 |
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) | $39,439 |
| Indianapolis-Carmel-Muncie, IN locality | 18.15% |
| Adjusted annual | $46,597 |
| Per month | $3,883 |
| Bi-weekly | $1,786.40 |
| Hourly | $22.33 |
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-5 in every locality
- GS-4 in Indianapolis-Carmel
- GS-6 in Indianapolis-Carmel
- GS-5 in Rest of U.S.
- GS-5 in Washington-Baltimore
- GS-5 in New York-Newark
Frequently asked questions
How much does GS-5 make in Indianapolis-Carmel?
For 2026, GS-5 in Indianapolis-Carmel ranges from $41,115 at the first step to $53,450 at the top step, with $46,597 near the middle.
How is Indianapolis-Carmel locality pay calculated?
The GS-5 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-5 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.