Last updated: 2025 BLS data · Page refreshed:
How much does a Medical Records Specialists actually take home in Kentucky?
4.0% flat rate — 19.6% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Medical Records Specialists earning $48,410 in Kentucky (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $48,410 | — |
| Federal Income Tax | -$3,825 | 7.9% |
| Kentucky State Income Tax | -$1,936 | 4.0% |
| Social Security (OASDI) | -$3,001 | 6.2% |
| Medicare | -$701 | 1.5% |
| Total Taxes | -$9,464 | 19.6% |
| Take-Home Pay | $38,945 | 80.4% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Medical Records Specialists in Kentucky.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $36,290 | -$6,598 | $29,691 | 18.2% |
| 25th Percentile (P25) | $40,570 | -$7,610 | $32,959 | 18.8% |
| Median (P50) | $48,410 | -$9,464 | $38,945 | 19.6% |
| 75th Percentile (P75) | $61,720 | -$12,612 | $49,107 | 20.4% |
| 90th Percentile (P90) | $74,520 | -$16,916 | $57,603 | 22.7% |
After federal income tax ($3,825), state tax ($1,936), and FICA ($3,703), a Medical Records Specialists in Kentucky takes home $38,945 per year — or $3,245 per month. The effective tax rate of 19.6% is relatively low compared to the national range.
A Medical Records Specialists in Kentucky faces an effective total tax rate of only 19.6%, keeping 80.4% of every gross dollar. That leaves $38,945 net out of $48,410 gross — a favorable outcome compared to states with combined rates above 30%.
Kentucky applies a flat state income tax — every dollar of wage income is taxed at the same rate. For this Medical Records Specialists salary that contributes $1,936 to the 4.0% effective state-tax burden.
Federal tax on this Medical Records Specialists salary is $3,825 (40%), but combined state ($1,936, 20%) + FICA ($3,703, 39%) make up the other 60% of the bill.
A Medical Records Specialists earning this gross in a no-income-tax state (e.g., Texas, Florida) would take home approximately $40,881 — only $1,936 (5.0%) more than in Kentucky.
Kentucky sits near the bottom (#41 of 51) for Medical Records Specialists after-tax earnings. Relocation, negotiation, or credential stacking typically show the clearest ROI in bottom-quartile states.
Translated into paycheck cadences, $38,945 net/year works out to $3,245/month or $1,498/bi-weekly for this Medical Records Specialists in Kentucky — the numbers that actually hit a checking account after every deduction.
Where does a Medical Records Specialists keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Kentucky ranks #41 out of 51 states for Medical Records Specialists after-tax take-home pay.
A Medical Records Specialists in Kentucky earning a median salary of $48,410 will take home approximately $38,945 per year after federal income tax ($3,825), state income tax ($1,936), and FICA ($3,703). That is $3,245 per month or $1,497 per bi-weekly paycheck.
The effective total tax rate for a Medical Records Specialists in Kentucky is 19.6%, broken down as: federal income tax 7.9%, Kentucky state tax 4.0%, and FICA (Social Security + Medicare) 7.7%. This assumes a single filer with the standard deduction for 2024.
Kentucky has a 4.0% flat rate. On a Medical Records Specialists's median salary of $48,410, the state income tax amounts to $1,936 per year, which is an effective state rate of 4.0%.
After all taxes, a Medical Records Specialists in Kentucky takes home approximately $3,245 per month, or about $18.72 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 $48,410 for Medical Records Specialists 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 — $38,945/yr — does not include local taxes, pre-tax deductions (401k, HSA), or tax credits.
Some links are affiliate links. See our disclosure.
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