How much does a Commercial Divers actually take home in Kentucky?
4.0% flat rate — 21.9% effective total tax rateData: BLS OEWS 2024 + IRS/State Tax Brackets 2024 • Updated 2026-04-02
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Detailed line-by-line tax calculation for a Commercial Divers earning $69,720 in Kentucky (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $69,720 | — |
| Federal Income Tax | -$7,179 | 10.3% |
| Kentucky State Income Tax | -$2,788 | 4.0% |
| Social Security (OASDI) | -$4,322 | 6.2% |
| Medicare | -$1,010 | 1.5% |
| Total Taxes | -$15,301 | 21.9% |
| Take-Home Pay | $54,418 | 78.1% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Commercial Divers in Kentucky.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $40,530 | -$7,601 | $32,928 | 18.8% |
| 25th Percentile (P25) | $50,760 | -$10,020 | $40,739 | 19.7% |
| Median (P50) | $69,720 | -$15,301 | $54,418 | 21.9% |
| 75th Percentile (P75) | $69,720 | -$15,301 | $54,418 | 21.9% |
| 90th Percentile (P90) | $77,280 | -$17,845 | $59,434 | 23.1% |
After federal income tax ($7,179), state tax ($2,788), and FICA ($5,333), a Commercial Divers in Kentucky takes home $54,418 per year — or $4,534 per month. The effective tax rate of 21.9% is relatively low compared to the national range.
Where does a Commercial Divers keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Kentucky ranks #10 out of 17 states for Commercial Divers after-tax take-home pay.
A Commercial Divers in Kentucky earning a median salary of $69,720 will take home approximately $54,418 per year after federal income tax ($7,179), state income tax ($2,788), and FICA ($5,333). That is $4,534 per month or $2,093 per bi-weekly paycheck.
The effective total tax rate for a Commercial Divers in Kentucky is 21.9%, broken down as: federal income tax 10.3%, Kentucky state tax 4.0%, and FICA (Social Security + Medicare) 7.6%. This assumes a single filer with the standard deduction for 2024.
Kentucky has a 4.0% flat rate. On a Commercial Divers's median salary of $69,720, the state income tax amounts to $2,788 per year, which is an effective state rate of 4.0%.
After all taxes, a Commercial Divers in Kentucky takes home approximately $4,534 per month, or about $26.16 per hour (based on a standard 2,080-hour work year). These figures assume a single filer, standard deduction, and no additional pre-tax deductions.
We start with the 2024 BLS median salary of $69,720 for Commercial Divers in Kentucky, then subtract: federal income tax using 2024 IRS brackets ($14,600 standard deduction), Kentucky state income tax (4.0% flat rate), Social Security (6.2% up to $168,600), and Medicare (1.45%). The result — $54,418/yr — does not include local taxes, pre-tax deductions (401k, HSA), or tax credits.
This estimate assumes a single filer using the 2024 standard deduction ($14,600), with W-2 employment income only. It does not account for: itemized deductions, tax credits (e.g. earned income credit, child tax credit), local/city taxes, pre-tax contributions (401k, HSA, FSA), self-employment tax, or additional income sources. Actual take-home pay may differ. Consult a tax professional for personalized advice.
Our Methodology · Data Sources · Salary: BLS OEWS · Tax: IRS + State DOR