Last updated: 2025 BLS data · Page refreshed:
How much does a Commercial Divers actually take home in Kentucky?
4.0% flat rate — 20.8% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Commercial Divers earning $63,550 in Kentucky (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $63,550 | — |
| Federal Income Tax | -$5,822 | 9.2% |
| Kentucky State Income Tax | -$2,542 | 4.0% |
| Social Security (OASDI) | -$3,940 | 6.2% |
| Medicare | -$921 | 1.5% |
| Total Taxes | -$13,225 | 20.8% |
| Take-Home Pay | $50,324 | 79.2% |
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) | $37,550 | -$6,896 | $30,653 | 18.4% |
| 25th Percentile (P25) | $62,140 | -$12,751 | $49,388 | 20.5% |
| Median (P50) | $63,550 | -$13,225 | $50,324 | 20.8% |
| 75th Percentile (P75) | $78,520 | -$18,262 | $60,257 | 23.3% |
| 90th Percentile (P90) | $84,950 | -$20,426 | $64,523 | 24.0% |
After federal income tax ($5,822), state tax ($2,542), and FICA ($4,861), a Commercial Divers in Kentucky takes home $50,324 per year — or $4,193 per month. The effective tax rate of 20.8% is relatively low compared to the national range.
With an effective total rate of 20.8%, a Commercial Divers in Kentucky keeps $50,324 of $63,550 gross — roughly typical for U.S. middle-income earners once federal, FICA and state taxes are combined.
Kentucky applies a flat state income tax — every dollar of wage income is taxed at the same rate. For this Commercial Divers salary that contributes $2,542 to the 4.0% effective state-tax burden.
Federal tax on this Commercial Divers salary is $5,822 (44%), but combined state ($2,542, 19%) + FICA ($4,862, 37%) make up the other 56% of the bill.
Moving this same Commercial Divers salary to a zero-state-tax state would yield around $52,866 net — a gain of $2,542 (5.1%) per year versus Kentucky.
Kentucky ranks #11 of 19 states for Commercial Divers after-tax pay — lower half of the national distribution. Either gross wages trail the national median, state tax is elevated, or both.
Translated into paycheck cadences, $50,324 net/year works out to $4,194/month or $1,936/bi-weekly for this Commercial Divers in Kentucky — the numbers that actually hit a checking account after every deduction.
Where does a Commercial Divers keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Kentucky ranks #11 out of 19 states for Commercial Divers after-tax take-home pay.
A Commercial Divers in Kentucky earning a median salary of $63,550 will take home approximately $50,324 per year after federal income tax ($5,822), state income tax ($2,542), and FICA ($4,861). That is $4,193 per month or $1,935 per bi-weekly paycheck.
The effective total tax rate for a Commercial Divers in Kentucky is 20.8%, broken down as: federal income tax 9.2%, 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 $63,550, the state income tax amounts to $2,542 per year, which is an effective state rate of 4.0%.
After all taxes, a Commercial Divers in Kentucky takes home approximately $4,193 per month, or about $24.19 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 2025 BLS median salary of $63,550 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 — $50,324/yr — does not include local taxes, pre-tax deductions (401k, HSA), or tax credits.
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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