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Florence, Kentucky Paycheck Calculator (2026)

Last reviewed: April 20, 2026

Florence is a Northern Kentucky city in Boone County, south of Cincinnati. It levies a 2% occupational license tax on wages earned within city limits, applied to residents and non-residents alike. Combined with Kentucky's 4% flat state tax, a Florence wage earner pays about 6% in state plus local income tax. Kentucky has no State Disability Insurance program funded by employee payroll. This calculator estimates 2026 take-home pay for a Florence wage earner after federal tax, FICA, Kentucky state tax, and the Florence occupational license rate. It supports pre-tax 401(k) and HSA deductions.

$85,000 single filer take-home comparison

Florence, Kentucky

$63,500

Kentucky (no city tax)

$65,200

Texas (no income tax)

$68,600

Florence, Kentucky take-home is -$1,700 vs the state-only figure and -$5,100 vs the no-income-tax baseline.

Florence, Kentucky local tax breakdown

Local bracket schedule applied by the calculator for 2026.

Taxable IncomeRate
$0+2%

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Florence, Kentucky paycheck FAQ

How does Florence compare to Covington, just up the road?
Florence sits at 2%, Covington at 2.45%. The 0.45-point difference is small but produces a measurable gap for similar gross incomes. Both are Northern Kentucky cities with reciprocal tax dynamics with neighboring Cincinnati.
Does Boone County levy a separate occupational tax?
Boone County levies its own occupational license tax for work performed in unincorporated areas of the county. Workers within Florence city limits pay Florence's 2% rate; the Boone County rate may apply separately outside the city. The calculator models the Florence city tax.
Is this Florence the same as Florence, Alabama?
No. Florence, Alabama and Florence, South Carolina are unrelated municipalities. Florence, Kentucky is the city covered here, in Boone County, Northern Kentucky. The name overlap is coincidental and the tax structures are entirely different.

See also

Run the full Kentucky paycheck calculatorCompare to Louisville paycheck calculatorCompare to Lexington, Kentucky paycheck calculatorCompare to Bowling Green, Kentucky paycheck calculatorCompare to Covington, Kentucky paycheck calculatorCompare to Owensboro paycheck calculatorCompare to Henderson County, Kentucky paycheck calculatorCompare to Hopkinsville paycheck calculatorCompare to Frankfort, Kentucky paycheck calculatorCompare to Elizabethtown, Kentucky paycheck calculatorBrowse all city paycheck calculatorsBrowse paycheck calculators by statePaycheck and tax glossaryHow we calculate paycheck taxes

Reviewed

How This Page Is Reviewed

The Florence, Kentucky paycheck page is reviewed against primary federal, state, and city sources before each major tax-year update. Source links below are the references used to validate brackets, wage bases, and supported local taxes.

Reviewed by

PaycheckCalc Research Desk

Last reviewed

2026-04-20