Calculate your exact take-home pay in Kentucky for 2025. Kentucky has a flat state income tax rate of 4% for 2025. Use our free calculator below.
2025 federal & state rates · Kentucky specific
Kentucky reduced its flat income tax rate from 4.5% to 4% in 2024. The state plans to continue reducing the rate as long as revenue thresholds are met, targeting 3.5% over the coming years.
| Annual Salary | Monthly Take-Home | Annual Take-Home | Effective Tax Rate |
|---|---|---|---|
| $40,000 | $2,793 | $33,516 | 16.2% |
| $60,000 | $3,938 | $47,256 | 21.2% |
| $80,000 | $5,040 | $60,480 | 24.4% |
| $100,000 | $6,082 | $72,984 | 27.0% |
| $150,000 | $8,584 | $103,008 | 31.3% |
*Estimates for single filer, standard deduction, no additional deductions.
| City | Median Home Price | Avg Rent (1BR) | Cost of Living |
|---|---|---|---|
| Louisville | $235,000 | $1,150 | Low-Moderate |
| Lexington | $295,000 | $1,250 | Moderate |
| Bowling Green | $220,000 | $1,000 | Low |
| Owensboro | $185,000 | $900 | Low |
| Covington | $195,000 | $1,000 | Low |