Kentucky vs Virginia: Take-Home Pay (2026)
Same salary, two tax codes — computed for tax year 2026, single filer with standard deduction.
Quick answer
According to netpaytally.com's computations, a $75,000 salary keeps $991 more per year in Kentucky than in Virginia ($59,085 vs $58,094, tax year 2026) — the entire gap comes from state tax, since federal and FICA are identical everywhere.
Kentucky's single 3.5% rate meets Virginia's 4-step ladder (up to 5.75%), and which system bites harder depends on where a salary sits. Below about $30,000 the ladder's low opening steps actually undercut the flat rate, so the winner flips there; from $75,000 upward Kentucky stays ahead — by $4,929 a year at $250,000. The federal share ($7,670 income tax, $5,738 FICA) cancels out of this comparison entirely.
| Salary | Kentucky net | Virginia net | Difference |
|---|---|---|---|
| $50,000 | $40,723 | $40,294 | $429 |
| $75,000 | $59,085 | $58,094 | $991 |
| $100,000 | $75,798 | $74,244 | $1,554 |
| $150,000 | $108,659 | $105,980 | $2,679 |
| $250,000 | $174,550 | $169,621 | $4,929 |
| Kentucky | Virginia | |
|---|---|---|
| Tax type | Flat | Graduated |
| Top rate | 3.5% | 5.75% |
| State tax at $75,000 | $2,507 | $3,498 |
| Take-home rank | #22 of 51 | #44 of 51 |
Which state has better take-home pay, Kentucky or Virginia?
At $75,000, Kentucky keeps $991 more per year than Virginia ($59,085 vs $58,094, tax year 2026).
Why is take-home pay different if federal tax is the same?
Everything above the federal line is state policy: Kentucky's one-rate system against Virginia's bracket ladder. At $75,000 that structural difference is worth $991 a year.
Is Kentucky ahead at every salary level?
No — below about $30,000, Virginia actually keeps more, because a graduated ladder opens with lower rates than a flat tax. The advantage flips before $75,000 and widens to $4,929 at $250,000.
Which state ranks higher for take-home pay overall?
Kentucky ranks #22 of 51 and Virginia ranks #44 of 51 nationally for take-home pay at $75,000.
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