How much does a Physical Therapists actually take home in Kentucky?
4.0% flat rate — 24.4% 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 Physical Therapists earning $88,640 in Kentucky (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $88,640 | — |
| Federal Income Tax | -$11,341 | 12.8% |
| Kentucky State Income Tax | -$3,545 | 4.0% |
| Social Security (OASDI) | -$5,495 | 6.2% |
| Medicare | -$1,285 | 1.4% |
| Total Taxes | -$21,668 | 24.4% |
| Take-Home Pay | $66,971 | 75.6% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Physical Therapists in Kentucky.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $45,100 | -$8,682 | $36,417 | 19.3% |
| 25th Percentile (P25) | $74,780 | -$17,004 | $57,775 | 22.7% |
| Median (P50) | $88,640 | -$21,668 | $66,971 | 24.4% |
| 75th Percentile (P75) | $103,360 | -$26,621 | $76,738 | 25.8% |
| 90th Percentile (P90) | $120,190 | -$32,386 | $87,803 | 26.9% |
After federal income tax ($11,341), state tax ($3,545), and FICA ($6,780), a Physical Therapists in Kentucky takes home $66,971 per year — or $5,580 per month. The effective tax rate of 24.4% is relatively low compared to the national range.
Where does a Physical Therapists keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Kentucky ranks #49 out of 51 states for Physical Therapists after-tax take-home pay.
A Physical Therapists in Kentucky earning a median salary of $88,640 will take home approximately $66,971 per year after federal income tax ($11,341), state income tax ($3,545), and FICA ($6,780). That is $5,580 per month or $2,575 per bi-weekly paycheck.
The effective total tax rate for a Physical Therapists in Kentucky is 24.4%, broken down as: federal income tax 12.8%, 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 Physical Therapists's median salary of $88,640, the state income tax amounts to $3,545 per year, which is an effective state rate of 4.0%.
After all taxes, a Physical Therapists in Kentucky takes home approximately $5,580 per month, or about $32.20 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 $88,640 for Physical Therapists 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 — $66,971/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