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Florence, Kentucky Paycheck Calculator (2026)

Enter your annual salary below to see your Florence, Kentucky take-home pay after federal, state, FICA, and city/local taxes for 2026.

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Boone County levies its own occupational license tax for work performed outside Florence city limits (including at CVG airport); that county overlay is not modeled by the calculator.

Quick answer

Effectively yes. Florence, a Northern Kentucky suburb of Cincinnati in Boone County, levies a 2% occupational license tax on wages earned within city limits, work-location based. At $85,000 single, take-home is $64,070 after federal tax, FICA, Kentucky's flat state line, and the Florence OLT.

Florence sits in Boone County in Northern Kentucky, immediately south of Cincinnati along the I-71/I-75 corridor, and levies a 2% occupational license tax on wages earned within city limits. The OLT applies uniformly to residents and to non-residents who work in the city. Cincinnati/Northern Kentucky International Airport (CVG), in adjacent Boone County, is the metropolitan region's hub airport and a major DHL Americas operating hub. The 'Florence Y'all' water tower is the city's defining cultural landmark: the tower originally read 'Florence Mall' to promote the mall under construction nearby, but federal officials objected that the under-construction tower constituted false advertising, so the city repainted the lettering to 'Florence Y'all' as a placeholder while keeping the same structural outline; the nickname stuck. The Mall Road corridor anchors the city's retail and office footprint. Wage earners in Kentucky face no payroll-funded disability program. At $85,000, the federal load lands at $9,870 for a single filer, with Kentucky state tax at $2,857, FICA combined at $6,503, and the Florence OLT line at $1,700, for take-home of $64,070. The calculator above supports all four IRS filing statuses; switch between them to see how the Florence OLT scales per filer.

$85,000 single filer take-home comparison

Florence, Kentucky

$64,100

Kentucky (no city tax)

$65,800

Texas (no income tax)

$68,600

Florence, Kentucky take-home is -$1,700 vs the state-only figure and -$4,600 vs the no-income-tax baseline.

Florence, Kentucky local tax breakdown

Local bracket schedule applied by the calculator for 2026.

Taxable IncomeRate
$0+2%

What this estimate includes

This calculator computes Florence, Kentucky take-home pay using 2026 federal brackets after the standard deduction, FICA contributions (Social Security up to the annual wage base, Medicare on all wages, plus the Additional Medicare Tax above the filing-status threshold), Kentucky's state income tax schedule, the Florence, Kentucky local income tax. It excludes employer-side payroll taxes, custom W-4 elections, supplemental-wage handling for bonuses or equity vesting, and income from sources other than W-2 wages. Per-city resident and non-resident rules are described in the prose above where they differ.

Florence, Kentucky paycheck FAQ

What is the federal tax bill on $85,000 single in Florence?
At $85,000, the federal load lands at $9,870 for a single filer, with the marginal slice in the 22% bracket after the standard deduction. Federal computation is identical in every state and city, so a Florence single filer sees the same federal line as a Covington or Louisville counterpart on the same gross.
How is Florence's OLT structured?
Florence's 2% OLT applies to wages earned within city limits, withheld at the source for all workers regardless of residency. Boone County may layer a separate county-level OLT on wages earned outside city limits. At $85,000, the Florence OLT line resolves to $1,700 on the year.
Do workers at CVG airport pay the Florence OLT?
Workers at CVG airport pay the Boone County OLT on wages earned there since the airport sits outside Florence city limits. A Cincinnati resident commuting south to a Florence job pays Kentucky state tax plus the Florence 2% on those wages, with Ohio crediting the Kentucky tax against the Cincinnati side.
How much does a 401(k) contribution save at $85,000 in Florence?
A single filer at $85,000 sees combined federal-plus-Kentucky marginal hit 25.5%, and pre-tax 401(k) and HSA deferrals reduce that base accordingly. The Florence OLT generally applies to gross compensation, so the deferral lever reaches federal and state but not the local layer.
What changes for married filing jointly, head of household, or filing separately at $85,000 in Florence?
A joint filer at $85,000 keeps about $68,100, $4,030 more the single-filer figure. Wider federal MFJ brackets and the doubled federal standard deduction drive most of the change. Kentucky's flat state rate is filing-status-neutral, and the Florence 2% OLT applies per worker across all four filing statuses. Head of Household reaches about $66,992, around $2,922 more than Single, and combined MFS take-home runs about $4,030 less than MFJ.
How does Florence compare to Covington?
Covington, the other major Northern Kentucky tax city upriver in Kenton County, levies an OLT above Florence's 2%. A Florence resident at $85,000 keeps more after the OLT line than a Covington counterpart on the same gross. Both cities anchor the Cincinnati northern-Kentucky suburban belt; the OLT rate gap is the main paycheck-line difference.

See also

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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

2026-06-25