$Paycheck Calculator.
Updated for tax year 2026

Richmond Paycheck Calculator

Take-home pay in Richmond, Kentucky - the state's #6 city at 39,581 people. Kentucky has a flat 3.5% income tax. Enter your pay to see what lands in your account with 2026 rates.

$/ year
$

401(k), HSA, health insurance premiums

Estimated take-home pay

$2,009.50

per bi-weekly paycheck · $52,247 / year

Gross pay
$2,500.00
Federal income tax
− $216.15
Kentucky income tax
− $83.10
Social Security · 6.2%
− $155.00
Medicare · 1.45%
− $36.25
Net pay
$2,009.50

Effective tax rate

19.6%

Marginal bracket

12.0%

Uses the 2026 federal brackets, standard deduction and FICA rates and Kentucky's 2026 state rates. Your pay stub may differ by a few dollars because payroll rounds through the IRS withholding tables. Many Kentucky cities and counties (Louisville, Lexington) levy occupational taxes of 1%-2.5%, not included.

Paycheck taxes in Richmond

Flat 3.5% state tax

Richmond paychecks carry federal income tax, Social Security (6.2%) and Medicare (1.45%), plus Kentucky state withholding. Kentucky has a flat 3.5% income tax.

Many Kentucky cities and counties (Louisville, Lexington) levy occupational taxes of 1%-2.5%, not included. Local amounts are not included in the calculator above.

Louisville charges a 2.2% occupational license fee for residents and 1.45% for non-residents, See the Louisville calculator.

Full Kentucky paycheck calculator and tax breakdown

Examples

Take-home pay in Richmond

Single filer, paid every two weeks, no pre-tax deductions, 2026 rates.

SalaryPer checkPer yearTax rate
$40,000$1,271$33,03417.4%
$50,000$1,566$40,71918.6%
$60,000$1,862$48,40419.3%
$75,000$2,272$59,08221.2%
$100,000$2,915$75,79424.2%
$150,000$4,179$108,65527.6%

Paid by the hour? The hourly paycheck calculator handles rate, hours and overtime for any Kentucky wage.

City vs city

The same $75,000 in Richmond and five other metros

Single filer, no pre-tax deductions, 2026 rates. State (and NYC's city) taxes drive the differences.

CityNet / yearvs Richmond
Richmond, KY$59,082—
New York City, NY$55,600−$3,482
Houston, TX$61,593+$2,511
Chicago, IL$58,017−$1,065
Phoenix, AZ$60,120+$1,038
Miami, FL$61,593+$2,511

FAQ

Frequently asked questions

How much is $75,000 after taxes in Richmond, Kentucky?+

A single filer in Richmond paid every two weeks with no pre-tax deductions takes home about $2,272 per check, or $59,082 a year - an effective rate of 21.2% across federal income tax, Kentucky state tax, Social Security and Medicare.

What taxes come out of a paycheck in Richmond?+

Federal income tax per your W-4, 6.2% Social Security and 1.45% Medicare, plus Kentucky state income tax - kentucky has a flat 3.5% income tax Many Kentucky cities and counties (Louisville, Lexington) levy occupational taxes of 1%-2.5%, not included.

Does Richmond have a city income tax?+

Kentucky allows local income taxes: Many Kentucky cities and counties (Louisville, Lexington) levy occupational taxes of 1%-2.5%, not included. Check with your employer or Richmond's finance department whether your address owes one - the state-level figures on this page don't include it.

Sources

Estimates for planning, not tax advice. Kentucky rates (2026) are detailed and sourced on the Kentucky paycheck calculator.

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