Which Kentucky city tax calculator should I use?

Use the exact city page for the Kentucky city where you live or work. City pages separate federal income tax, Kentucky state income tax, local income tax when present, FICA, property-tax estimates, sales-tax estimates, and address-level verification limits.

Do all Kentucky cities have the same local income tax?

11 Kentucky city pages in this dataset flag a local income-tax layer. Local income tax can depend on city, county, school district, work location, and resident status, so verify the exact address with official state or local resources.

Are Kentucky city property and sales tax rates exact by address?

No. City pages use planning estimates. Property tax depends on parcel assessment, exemptions, school districts, special districts, and local levies. Sales tax can vary by exact address, item category, exemption, and effective date.

Kentucky Tax Rates by City

Compare state income tax, local income tax, property tax, sales tax, and effective household tax burden across 13 Kentucky cities.

Answer first

Kentucky city tax pages: pick the exact city, then verify the address

Start with the exact city page when the question names a city. Use the Kentucky state calculator for statewide income-tax brackets and this city index for local burden comparisons. Property and sales-tax estimates still need address-level verification through county, city, or state tools before filing or making a purchase decision.

Kentucky income tax All city tax calculators KY official tax authority

Cities

Avg effective tax rate

25.6%

Cities with local income tax

Local income tax spotlight

Kentucky municipal income tax can change the real paycheck answer

State income tax is only one layer. Use these city pages when the query names a municipality, because resident status, work location, school district, and local withholding can change the final tax result.

Lexington, KY

2.5% local income tax · 6% sales tax · 0.79% property estimate

Covington, KY

2.5% local income tax · 6% sales tax · 0.85% property estimate

Florence, KY

2.39% local income tax · 7.19% sales tax · 0.8% property estimate

Louisville, KY

2.2% local income tax · 6% sales tax · 0.83% property estimate

Largest KY City Tax Calculators

Louisville

Effective burden 26.6% · sales 6%

Lexington

Effective burden 27.1% · sales 6%

Bowling Green

Effective burden 22.9% · sales 6%

Owensboro

Effective burden 24.0% · sales 6%

Covington

Effective burden 25.1% · sales 6%

Richmond

Effective burden 26.9% · sales 8.85%

Georgetown

Effective burden 25.7% · sales 6.98%

Nicholasville

Effective burden 25.7% · sales 6.59%

All Kentucky Cities

Louisville

Income 4% + 2.2% local · property 0.83%

Low

Lexington

Income 4% + 2.5% local · property 0.79%

Moderate

Bowling Green

Income 4% · property 0.71%

Very Low

Owensboro

Income 4% · property 0.75%

Very Low

Covington

Income 4% + 2.5% local · property 0.85%

Low

Richmond

Income 4% + 2.18% local · property 0.79%

Moderate

Georgetown

Income 4% + 0.98% local · property 0.85%

Moderate

Nicholasville

Income 4% + 1.89% local · property 0.79%

Moderate

Florence

Income 4% + 2.39% local · property 0.8%

Moderate

Elizabethtown

Income 4% + 1.04% local · property 0.79%

Moderate

Hopkinsville

Income 4% + 0.53% local · property 0.87%

Moderate

Henderson

Income 4% + 0.52% local · property 0.86%

Moderate

Frankfort

Income 4% + 0.53% local · property 0.87%

Moderate

Sources, Review Date, and Limits

Reviewed May 26, 2026. These city pages are planning estimates that combine federal, state, local, property, sales-tax, Census, and LevyIO dataset inputs. They are not official tax bills or filing instructions.

IRS forms and instructions for federal tax context.
Kentucky Department of Revenue for official Kentucky tax guidance.
Kentucky tax forms and instructions.
U.S. Census Bureau ACS for household and housing context.