Kentucky (KY) · State tax: 4% · Property tax: 0.83% · Median home (ZHVI): $205,000
As of · Sources: Zillow ZHVI, Tax Foundation, Census ACS, Freddie Mac PMMS
For most Kentucky residents, their home is the single largest asset on the net worth statement. With a median home price of $205,000, homeowners in Kentucky start with a significant property-based net worth component, offset by mortgage debt. Property values across the state vary widely, but the cost of living index of 89.9 provides context for overall asset and liability levels. The 4% state income tax reduces the rate at which you can accumulate assets from earned income, making employer retirement matches and tax-advantaged savings especially valuable. Track your net worth quarterly to measure progress — include home equity, retirement accounts, liquid savings, and subtract all debts.
Median income + cost-of-living scale the savings rate for the net worth calculator in Kentucky. Every row cites a primary public dataset. Numbers reflect the most recent vintage available; refresh cadence is documented in the methodology.
The Net Worth Calculator runs a well-known formula (principal × rate, discounted cash flow, amortization, or equivalent) client-side and layers on Kentucky's tax and cost-of-living inputs. State-specific numbers — brackets, exemptions, and averages — come from public federal / state datasets cited in the sources section.
Same formula, different inputs. Each city name links to its own pSEO page where the calculator is pre-filled with local medians.
| City | Median home | Median rent | HUD FMR 2BR | Median income |
|---|---|---|---|---|
| Louisville, KY | $277,724 | $1,371/mo | $1,250/mo | $71,737 |
| Lexington, KY | $322,342 | $1,488/mo | $1,375/mo | $70,717 |
| Bowling Green, KY | $265,771 | $1,281/mo | $1,175/mo | $62,437 |
Sources: Zillow ZHVI + ZORI[1], HUD FMR[2], Census ACS[3], Freddie Mac PMMS[4].
Moving one state over changes the net worth numbers. Compare median home value (Zillow ZHVI), top marginal income tax rate, effective property tax rate, and the BEA all-items Regional Price Parity across Kentucky and its border states.
| State | Median home | Top inc tax | Prop tax rate | RPP (US=100) |
|---|---|---|---|---|
| Kentucky (this page) | $205,000 | 4.00% | 0.83% | 89.9 |
| compare to Indiana | $235,000 | 3.00% | 0.85% | 92.1 |
| Illinois | $275,000 | 4.95% | 2.23% | 98.8 |
| check Tennessee | $325,000 | None | 0.71% | 92.1 |
| Virginia equivalent | $385,000 | 5.75% | 0.80% | 101.3 |
Sources: Zillow ZHVI[1], state Departments of Revenue / Tax Foundation[2], Tax Foundation property taxes[3], BEA Regional Price Parities[4].
These calculators share inputs with the net worth formula, so pair them to pressure-test your answer from multiple angles.
| Metric | Kentucky | National Avg | IN | IL | TN |
|---|---|---|---|---|---|
| Median Home Price | $205,000 | $420,000 | $265,000 | $315,000 | $345,000 |
| Property Tax Rate | 0.83% | 1.07% | 0.85% | 0.85% | 0.71% |
| State Income Tax | 4% | 4.6%* | 3.23% | 4.95% | None |
| Avg Insurance Cost | $1,210/yr | $1,544/yr | $1,320/yr | $1,440/yr | $1,560/yr |
| Cost of Living Index | 89.9 | 100 | 90 | 104 | 93 |
| Household Income — p25 | $31,035 | $41,401 | $40,488 | $41,110 | $39,214 |
| Household Income — p50 (median) | $64,553 | $83,592 | $76,200 | $84,105 | $75,712 |
| Household Income — p75 | $122,016 | $153,000 | $135,377 | $158,064 | $132,597 |
*Average of states that levy an income tax. 2026 estimates. [3] Income percentiles from DQYDJ/Census CPS 2024[4].
Track take-home pay: 4% state income tax plus federal + FICA reduces gross wages by roughly 29% in Kentucky.
Anchor savings goals to the Kentucky cost of living index (89.9). A national 20% savings rate needs adjustment up or down depending on local expense floors.
Use tax-advantaged accounts first: 401(k), HSA, IRA. Contributions to pre-tax accounts save 4% at the state level plus your federal marginal rate.
Every number on this page reads from the same CalcFi data repository used by the Live Data pages below — the figures stay consistent.
Home Prices by State
Zillow ZHVI across all 50 states
Property Tax by State
Effective rate × ZHVI = annual bill
Household Income by State
FRED real median + percentile bands
Cost of Living by State
BEA RPP all-items + housing
No-Income-Tax States
Full list + trade-offs
Current Interest Rates
Treasury curve + PMMS + FDIC
CalcFi pSEO pages combine three inputs: (1) the calculator formula itself, which runs client-side so no inputs leave your browser; (2) state-level financial constants from primary public datasets; and (3) national benchmarks for comparison. The Kentucky page uses the property tax rate (0.83%), median home price ($205,000), and 4% state income tax from the sources listed below.
Refresh cadence:state tax brackets and minimum wage rates are reviewed annually after each state's legislative session. Property tax, median home price, insurance, and cost-of-living figures are reviewed annually against the primary sources. Income percentiles are refreshed when the Census CPS/IPUMS releases update (typically September). Page-level dateModified matches the last editorial review date, shown above.
Known limits: statewide averages mask large intra-state variance — county-level property tax and metro-level home prices differ significantly from the figures shown. For the most precise calculations, cross-check the output against your actual county assessor and the latest federal/state tax tables at filing time.
Use Net Worth Calculator for any city in Kentucky.
Every number on this page cites a primary public dataset. Last reviewed (auto-bumped by the next ISR refresh after an ETL run).
CalcFi does not sell data. If you spot an error, email hello@calcfi.app with the URL and the correct figure.