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Hopkinsville Paycheck Calculator (2026)

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

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Fort Campbell straddles the KY-TN border; the cross-state allocation for wages earned on the installation depends on specific work-site jurisdiction and is not modeled by the calculator. Christian County may layer a separate county-level OLT for work outside Hopkinsville city limits.

Quick answer

Effectively yes. Hopkinsville, the Christian County seat near Fort Campbell, levies a 1.5% occupational license tax on wages earned within city limits, work-location based. At $85,000 single, take-home is $64,495 after federal tax, FICA, Kentucky's flat state line, and the Hopkinsville OLT.

Hopkinsville is the seat of Christian County in southwestern Kentucky, just north of the Tennessee border, and levies a 1.5% occupational license tax on wages earned within city limits. The OLT applies uniformly to residents and to non-residents who work in the city. Fort Campbell, the US Army installation straddling the KY-TN border, houses the 101st Airborne Division (the Screaming Eagles); most of the installation lies in Tennessee, but Hopkinsville is the closest sizable Kentucky population center and houses much of the off-base civilian and military-family workforce. On August 21, 2017, Hopkinsville sat directly on the path of greatest totality of the Great American Solar Eclipse; the city, branded as 'Eclipseville USA,' drew international visitors for the 2-minute, 40-second totality. Tobacco farming remains an agricultural anchor in Christian County. No payroll-funded disability tax appears on Kentucky wages. Federal income tax for a single filer at $85,000 is $9,870, with Kentucky state tax at $2,857, FICA combined at $6,503, and the Hopkinsville OLT line at $1,275, for take-home of $64,495. Plug a different salary into the calculator above to compare Hopkinsville take-home against a Tennessee no-tax baseline.

$85,000 single filer take-home comparison

Hopkinsville

$64,500

Kentucky (no city tax)

$65,800

Texas (no income tax)

$68,600

Hopkinsville take-home is -$1,300 vs the state-only figure and -$4,100 vs the no-income-tax baseline.

Hopkinsville local tax breakdown

Local bracket schedule applied by the calculator for 2026.

Taxable IncomeRate
$0+1.50%

What this estimate includes

This calculator computes Hopkinsville 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 Hopkinsville 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.

Hopkinsville paycheck FAQ

What is the federal tax bill on $85,000 single in Hopkinsville?
Federal income tax for a single filer at $85,000 is $9,870, applied progressively across federal brackets with the top slice taxed at 22%. The federal calculation runs identically across all states, so a Hopkinsville single filer sees the same federal line as an Elizabethtown or Frankfort counterpart on the same gross.
How is Hopkinsville's OLT structured?
Hopkinsville's 1.5% OLT applies to wages earned within city limits, withheld at the source by employers. Christian County may layer a separate county-level OLT for work outside city limits. At $85,000, the Hopkinsville OLT line resolves to $1,275 on the year, sitting in the mid-band of small-city Kentucky OLT rates.
What about workers at Fort Campbell, which straddles the KY-TN border?
Fort Campbell straddles the Kentucky-Tennessee border, with most of the installation in Tennessee. Civilian workers on the Kentucky side of the post may face Hopkinsville-area withholding; on the Tennessee side, no state income tax applies. The cross-border allocation depends on the specific work-site jurisdiction.
How much does a 401(k) contribution save at $85,000 in Hopkinsville?
On a $85,000 gross with a 25.5% combined federal-plus-state marginal, traditional 401(k) and HSA deferrals trim both federal and Kentucky taxable income. The OLT base in Hopkinsville generally targets gross compensation, so deferrals shrink the federal and state lines but typically leave the city OLT untouched.
What changes for married filing jointly, head of household, or filing separately at $85,000 in Hopkinsville?
MFJ shifts take-home to $68,525, a $4,030 difference more the single-filer total. 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 Hopkinsville 1.5% OLT applies per worker across all four filing statuses. Head of Household lifts take-home to about $67,417, around $2,922 more than Single, and combined MFS take-home runs about $4,030 less than MFJ.
How does Hopkinsville compare to Elizabethtown?
Elizabethtown, 130 miles northeast along I-65, charges the same 1.5% OLT as Hopkinsville and sits adjacent to a different US Army installation (Fort Knox). Paycheck math at the same gross matches between the two cities; the cities diverge on history, geography, and installation-specific anchors rather than on tax structure.

See also

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Reviewed

How This Page Is Reviewed

The Hopkinsville 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