LocalTakehome True take-home pay for where you actually live.

Kentucky · tax year 2026

Louisville paycheck calculator

People in Louisville pay a local income tax of 2.2% for residents and 1.45% for people who only work there on top of Kentucky income tax. On $85,000 a year, a single person takes home about $63,900, or $2,457.70 every two weeks.

How often you are paid
Retirement and benefits 401(k), HSA, health insurance

A 403(b), 457 or TSP works the same way as a 401(k) here. Amounts below are for the whole year.

Bonus, tips and overtime including the new federal deductions
W-4 and other details second job, extra withholding, contractor
Saved on this device

Saved in this browser only. Nothing is sent anywhere.

Estimated take-home pay · 2026

Biweekly pay · Single · Louisville / Jefferson County, Kentucky

Example

$2,457.70 per paycheck

from $3,269.23 before taxes · 26 paychecks a year

You keep$75.18of every $100 earned
Taxes take24.8%of gross pay, $21,100 a year
Of your next $1,000$647is yours to keep
After tax, an hour is worth$30.72at 2,080 paid hours a year

Where each dollar goes

  • Take-home pay75.2%$63,900
  • Federal income tax11.6%$9,870
  • Social Security and Medicare7.6%$6,503
  • State taxes3.4%$2,857
  • Local taxes2.2%$1,870

Line by line

Per paycheckPer year

Pay

Gross pay$3,269.23$85,000

Taxes

Federal income tax$379.62$9,870

2026 brackets after the $16,100 standard deduction, worked out for the year and spread over your paychecks. IRS Rev. Proc. 2025-32

Social Security$202.69$5,270

6.2% of wages up to $184,500. Traditional 401(k) contributions do not reduce it. SSA wage base · 2026

Medicare$47.40$1,233

1.45% of wages, with no cap. IRS Pub. 15 · 2026

Kentucky income tax$109.90$2,857

Kentucky taxes income at a flat 3.5% for 2026 after a $3,360 standard deduction. Many cities and counties add an occupational tax. Kentucky · 2026

Louisville / Jefferson County$71.92$1,870

Resident rate 2.2%. It is charged on gross wages. 401(k) and benefit contributions do not reduce it. Louisville Metro OL tax · 2.2% / 1.45%

Take-home pay$2,457.70$63,900

Tap a line to see how it was worked out. Each paycheck is the year's figure divided by 26 and rounded to the cent.

Show the math

Federal income tax for the year

Wages$85,000.00
Standard deduction−$16,100.00
Taxable income$68,900.00
Tax from the 2026 brackets$9,870.00
Federal income tax$9,870.00

Kentucky income tax for the year

Wages taxed by the state$85,000.00
Standard deduction−$3,360.00
Taxable income$81,640.00
Tax from the rate schedule$2,857.40
Kentucky income tax$2,857.40
Sources for these figures

What if

A $5,000 raise+$3,233 a yearYou keep $65 of each extra $100.
1% more into a 401(k)$850 saved a yearTake-home falls by only $24.36 a paycheck, because the tax bill drops too.
A $5,000 bonus$3,233 after taxEmployers often withhold more than this up front; the difference comes back at tax time.
+$4,727 a yearTexas, with no city tax. Compare side by side

Estimate for tax year 2026. Your real paycheck depends on your W-4, your benefits and your employer's payroll system. This is education, not tax, payroll or financial advice.

Take-home pay in Louisville by salary

Single filer living in Louisville, no dependents, no retirement or benefit deductions. Tax year 2026.
SalaryFederal income taxSocial Security and MedicareState income taxLocal taxTake-home a yearA monthEvery 2 weeks
$30,000$1,420$2,295$932$660$24,693$2,058$949.72
$40,000$2,620$3,060$1,282$880$32,158$2,680$1,236.83
$50,000$3,820$3,825$1,632$1,100$39,623$3,302$1,523.96
$60,000$5,020$4,590$1,982$1,320$47,088$3,924$1,811.05
$75,000$7,670$5,738$2,507$1,650$57,435$4,786$2,209.04
$100,000$13,170$7,650$3,382$2,200$73,598$6,133$2,830.67
$150,000$24,734$11,475$5,132$3,300$105,359$8,780$4,052.26
$200,000$36,734$14,339$6,882$4,400$137,645$11,470$5,294.02

The Louisville local income tax

Louisville Metro (all of Jefferson County) charges an occupational tax of 2.2% for residents (1.25% Metro, 0.20% transit, 0.75% schools) and 1.45% for people who work there and live elsewhere. It is charged on gross wages, with nothing taken off for 401(k) or benefit contributions.

  • Louisville / Jefferson County: $1,870 a year on $85,000 (2.2%)

For a single person on $85,000, that is $1,870 a year on top of state and federal tax: about $71.92 from each biweekly paycheck.

Louisville local tax on $85,000 a year
YouLocal tax a yearTake-home a year
Live in the city$1,870$63,900
Only work there$1,233$64,538

Source: Louisville Metro Revenue Commission, Form W-1 / OL instructions. Last checked September 28, 2026.

Kentucky taxes in Louisville

Kentucky taxes income at a flat 3.5% for 2026 after a $3,360 standard deduction. Many cities and counties add an occupational tax. Elsewhere in Kentucky, with no local tax, the same $85,000 leaves $65,770.

Kentucky paycheck calculator and tax rates

Louisville against other cities

Single person earning $85,000 a year and living in each place. Taxes only; living costs are not counted.
PlaceState taxesLocal taxTake-home a yearAgainst Louisville
Louisville$2,857$1,870$63,900
New York City$4,391$2,860$61,376−$2,524
Los Angeles$4,621$0$64,007+$107
Chicago$4,063$0$64,565+$665
Houston$0$0$68,628+$4,727
Phoenix$1,731$0$66,896+$2,996
Philadelphia$2,669$3,175$62,784−$1,116
Seattle$1,179$0$67,448+$3,548

Compare Louisville with anywhere else · All cities

Louisville paycheck questions

How much is $60,000 a year after taxes in Louisville?

About $47,088 a year, or $3,924 a month, for a single person with no other deductions. Federal income tax takes $5,020, Social Security and Medicare $4,590, Kentucky income tax $1,982 and the local tax $1,320.

Does Louisville have a city income tax?

Yes: 2.2% for residents and 1.45% for people who only work there. On $85,000 a year it comes to $1,870.

What taxes come out of a paycheck in Louisville?

Federal income tax, Social Security (6.2%) and Medicare (1.45%), Kentucky income tax (3.5% flat), and the Louisville local tax.

I work in Louisville but live somewhere else. Do I pay the tax?

Usually yes, at 1.45%. Untick “I live there” in the calculator to see it.

Sources

Figures last checked on September 28, 2026. If something looks wrong, tell us.

Calculator by LocalTakehome