Louisville Paycheck Calculator 2026
Louisville Metro occupational license tax: 2.2% for residents (1.25% Metro + 0.2% TARC + 0.75% school board) and 1.45% for nonresidents working in Jefferson County (exempt from the school portion). A single filer earning $75,000 in Louisville takes home about $57,435 a year (23.4% effective tax rate) — and a worker on the city's median full-time pay of $54,271 keeps about $3,568 a month.
Updated 2026-10-03 · Population 640,793 · Median household income $67,251 · Combined sales tax 6.000%
| Bi-weekly | Annual | |
|---|---|---|
| Gross pay | $2,307.69 | $60,000 |
| Federal income tax | -$193.08 | -$5,020 |
| Social Security (6.2%) | -$143.08 | -$3,720 |
| Medicare | -$33.46 | -$870 |
| Kentucky income tax | -$76.25 | -$1,982 |
| Louisville local tax | -$50.77 | -$1,320 |
| Take-home pay | $1,811.06 | $47,088 |
- Take-home $47,088 78.5%
- Federal income tax $5,020 8.4%
- Social Security $3,720 6.2%
- Medicare $870 1.5%
- State tax $1,982 3.3%
- Local tax $1,320 2.2%
Take-home pay vs. taxes at every income level in Louisville
- Take-home pay
- Total taxes
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2026 take-home pay in Louisville at common salaries
Single filer, standard deduction, paid bi-weekly, including Louisville local income tax. “Worth nationally” adjusts for Louisville/Jefferson County, KY-IN prices. “Rent share” is the median Louisville rent ($1,144/month) as a share of take-home.
| Salary | Federal | FICA | State + local | Take-home / yr | Per paycheck | Worth nationally | Rent share |
|---|---|---|---|---|---|---|---|
| $30,000 | $1,420 | $2,295 | $1,592 | $24,693 | $950 | $26,530 | 56% |
| $50,000 | $3,820 | $3,825 | $2,732 | $39,623 | $1,524 | $42,571 | 35% |
| $75,000 | $7,670 | $5,738 | $4,157 | $57,435 | $2,209 | $61,709 | 24% |
| $100,000 | $13,170 | $7,650 | $5,582 | $73,598 | $2,831 | $79,074 | 19% |
| $150,000 | $24,734 | $11,475 | $8,432 | $105,359 | $4,052 | $113,199 | 13% |
| $250,000 | $51,304 | $15,514 | $14,132 | $169,050 | $6,502 | $181,629 | 8% |
Take-home pay on typical Louisville incomes
What common local incomes leave after 2026 federal, Kentucky, Louisville and payroll taxes.
| Income | Gross / yr | Taxes | Take-home / yr | Per month |
|---|---|---|---|---|
| Full-time minimum wage ($7.25/hr) | $15,080 | $1,896 | $13,184 | $1,099 |
| Median full-time worker | $54,271 | $11,460 | $42,811 | $3,568 |
| Median household (married, one earner) | $67,251 | $12,571 | $54,680 | $4,557 |
| Per-capita income (all residents) | $39,418 | Income per resident including children and retirees | ||
Housing costs vs take-home pay in Louisville
- Rent: median gross rent is $1,144 a month ($13,728 a year) — 32% of a median full-time worker's take-home pay, above the common 30% affordability guideline. To keep rent at 30% of take-home you need about $59,754 gross a year.
- Home values: the median owner-occupied home is worth $241,700, 3.6× the median household income.
- Property tax: the median homeowner pays $2,043 a year, an effective rate of about 0.85% of home value — $170 a month on top of the mortgage.
What a Louisville paycheck is worth
Prices in the Louisville/Jefferson County, KY-IN area are 6.9% below the US average (BEA regional price parity 93.1, 2024; housing 78.6). Adjusting take-home pay for local prices:
| Salary | Take-home in Louisville | Worth at US-average prices |
|---|---|---|
| $50,000 | $39,623 | $42,571 |
| $75,000 | $57,435 | $61,709 |
| $100,000 | $73,598 | $79,074 |
| $150,000 | $105,359 | $113,199 |
Louisville vs other cities on $75,000
Louisville next to the other Kentucky cities we cover and the five cities where $75,000 goes about as far once taxes and local prices are counted ($61,709 in national prices here).
| City | Local income tax | Sales tax | Take-home | Price-adjusted |
|---|---|---|---|---|
| Jacksonville, FL | None | 7.50% | $61,593 | $61,912 |
| Las Vegas, NV | None | 8.38% | $61,593 | $61,460 |
| Albuquerque, NM | None | 7.63% | $59,233 | $61,994 |
| Cincinnati, OH | $1,350 | 7.80% | $58,956 | $61,818 |
| St. Louis, MO | $750 | 9.68% | $58,255 | $61,264 |
| Louisville | $1,650 | 6.00% | $57,435 | $61,709 |
Sales tax in Louisville
Louisville's combined rate of 6.000% is equal to the Kentucky average of 6.00%. A $1,000 purchase costs $1,060.00; if you spend $20,000 a year on taxable goods, that is about $1,200 in sales tax. Kentucky sales tax calculator.
Kentucky income tax rates for 2026
Single
| Taxable income over | Rate |
|---|---|
| $0 | 3.50% |
Standard deduction $3,360
Married filing jointly
| Taxable income over | Rate |
|---|---|
| $0 | 3.50% |
Standard deduction $3,360
Key facts about Louisville taxes
- Louisville Metro charges a 2.2% occupational license tax on residents and 1.45% on nonresidents who work in Jefferson County.
- The resident rate is 1.25% Metro government, 0.2% TARC transit and 0.75% Jefferson County Public Schools; nonresidents do not pay the school portion.
- Kentucky has no local sales taxes, so Louisville's sales tax is the 6% state rate.
- Median household income is $67,251 for Louisville/Jefferson County metro (balance) (ACS 2024 1-year).
More on Kentucky brackets, deductions and federal withholding: Kentucky (KY) paycheck calculator.
More Kentucky calculators
- Kentucky (KY) paycheck calculator
- Kentucky income tax calculator
- Kentucky sales tax calculator
- Louisville paycheck calculator
- Compare Kentucky with any state
What this calculator simplifies
- Local occupational license tax uses one typical rate; actual rates depend on where you work and live.
- Married couples filing separately on a combined return (each claiming the standard deduction) are not modeled.
- Pension exclusion, Social Security exemption, family size tax credit, and the $40 credit for age 65+/blind are not modeled.
Frequently asked questions
Does Louisville have a city income tax?
Louisville Metro occupational license tax: 2.2% for residents (1.25% Metro + 0.2% TARC + 0.75% school board) and 1.45% for nonresidents working in Jefferson County (exempt from the school portion).
What is the sales tax in Louisville?
The combined sales tax rate in Louisville is 6.000%, including the Kentucky state rate of 6.00% — $60.00 on a $1,000 purchase.
How much is $75,000 after taxes in Louisville?
About $57,435 per year or $2,209 per bi-weekly paycheck for a single filer in 2026, including $1,650 of local income tax. Adjusted for local prices (Louisville/Jefferson County, KY-IN price level 93.1, US = 100) that buys what $61,709 would nationally.
What is the typical salary in Louisville?
Median earnings for full-time, year-round workers in Louisville are $54,271 (Census ACS). After 2026 taxes that leaves about $42,811 a year, or $3,568 a month.
What is the minimum wage in Louisville?
$7.25 an hour. Federal minimum wage under the Fair Labor Standards Act, in effect since July 24, 2009; Kentucky has no higher state minimum wage. Full-time that is $15,080 a year, or about $13,184 after tax.
How much is property tax in Louisville?
The median homeowner in Louisville pays $2,043 a year in real estate taxes on a median home value of $241,700 — an effective rate of about 0.85% (Census ACS).
Sources
Figures are taken from official government publications and were last reviewed on 2026-10-03.
- Louisville Metro Revenue Commission — Occupational License Tax Regulations (2026)
- Louisville Metro Revenue Commission, forms and publications
- US Census Bureau ACS 2024 1-year via Census Reporter: population, home value, real estate taxes, gross rent, per capita income, full-time earnings (Louisville/Jefferson County, KY)
- US Department of Labor, federal minimum wage ($7.25 under the FLSA)
- US Department of Labor, State Minimum Wage Laws (page updated July 1, 2026)
- US Bureau of Economic Analysis, Regional Price Parities by MSA (table MARPP), 2024 data released February 19, 2026
- BEA, Real Personal Income and Regional Price Parities methodology
- US Census Bureau, American Community Survey 2024 1-year estimates (tables B01003/B01001, B25077, B25103, B25064, B19301, B20018)
- Kentucky DOR — 2026 Kentucky Withholding Tax Formula
- Kentucky DOR — Kentucky DOR Announces 2026 Standard Deduction
- Rev. Proc. 2025-32 (2026 inflation adjustments incl. OBBBA)
- IRS: Tax inflation adjustments for tax year 2026, including OBBBA amendments