Bill and Account Collectors in Kentucky
May 2025 wages · tax year 2026
You keep
$39,439
after federal, FICA and Kentucky tax
Tax takes
$8,891
18.4% of the whole
Worth, in national money
$43,595
Kentucky costs less than average
On that salary you would be around the 25th percentile for this work in Kentucky — roughly, since only five points along the band are published.
One filer, standard deduction, no dependants and nothing paid in before tax — the same household the rest of this page uses, so the comparison holds. City and school-district income taxes are not included.
Median here
$48,330
Kept after tax
$39,439
Worth in national money
$43,595
State rank
18
of 51 states
What this pays, and what it is worth
- Middling, nationally. Kentucky pays bill and account collectors around $48,330 at the midpoint, 18 of 51 states. The interesting numbers on this page are the two below it.
- Against other work in Kentucky, this sits in the middle: 296 of 491 occupations with published pay. Solidly ordinary for the state, which is not the same as ordinary nationally.
- Kentucky is cheaper than average, and that shows up here. From $48,330 the take-home is $39,439; adjusted for what things actually cost, it goes as far as $43,595 would nationally. The average comes to $49,340, above the middle, thanks to the top of the range.
- For bill and account collectors the Kentucky median is $48,330, ranking 18 of 51 states reporting. Mid-band nominal positions are the ones most frequently reordered by the adjustments, because no large wage premium exists to absorb a state's tax or price level.
- Bill and account collectors ranks 296 of 491 occupations in Kentucky by median pay, in the middle bands. Within-state and national positions are separate measurements and a job commonly sits in different quartiles on each.
- Post-tax income for bill and account collectors in Kentucky, on $48,330, is $39,439 — equivalent to $43,595 once regional price parity is applied. ⚠️ The adjustment uses a statewide index that describes no particular address; within-state price variation, concentrated in housing, routinely exceeds the difference between two states. At $49,340 the mean overshoots the median — the usual right-skewed shape.
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Pay band: Bill and Account Collectors
The state median for this job
| Lowest tenth earn under | $36,110 |
|---|---|
| Half earn under | $48,330 |
| Top tenth earn over | $64,790 |
| This salary | $48,330 |
Positions between the published tenth, quarter, half, three-quarter and ninetieth points are estimated by straight line.
The same pay, somewhere else
The state median for this job
| Take-home in Kentucky | $39,439 |
|---|---|
| Take-home in Texas | $41,013 |
| Once local prices are leveledBEA price parity | −$1,389 |
The raise and the real gain point in opposite directions here.
State income tax and state price levels only. No city income tax, and no housing market.
What you would need there
The state median for this job
| To match take-home only | $46,371 |
|---|---|
| Raise you would need | +$1,680 |
| Prices in Texas | 97 vs 90 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- A median is the middle, not an offer. Half of bill and account collectors in Kentucky earn under $48,330 and half over. The published range runs $36,110 at the tenth percentile to $64,790 at the ninetieth. Experience and employer move an individual a long way inside that.
- That $39,439 take-home in Kentucky comes from $48,330. It is the no-frills case: single filer, standard deduction, nothing set aside before tax. Real circumstances almost always reduce the tax. City and school-district taxes are not counted at all. Locally the work ranks 296 of 491.
- One number stands for prices across all of Kentucky, which is a simplification — big cities cost far more than small towns. Read $43,595, the adjusted value of that $48,330 median, as a way to compare states fairly, not as a quote for any particular place. The two datasets are also from different years. This job sits at 296 of 491 in the state.
- Figures are distribution medians for bill and account collectors in Kentucky, not entry or offer rates. The published band runs $36,110 to $64,790; within-state dispersion of that width routinely exceeds the dispersion between states, so tenure, employer and metropolitan area predict an individual's pay better than geography does.
- Retained pay of $39,439, from $48,330, assumes a single Kentucky filer with the standard deduction and no elective deferrals. Pre-tax retirement or HSA contributions, dependants and itemized deductions all reduce it further; local income taxes, excluded here, would increase it in the states that levy them. This occupation ranks 296 of 491 locally, and the state ranks 18 of 51 for it.
- Price deflation uses one statewide parity for Kentucky, so $43,595 — the adjusted value of that $48,330 median — establishes comparability between states rather than accuracy within one. The wage and parity series are dated independently, each following its own publication cycle, and neither is projected forward. This occupation sits at 296 of 491 locally.
Questions people ask
How much does pay for this job actually vary?
Less than you might expect. The bottom tenth earn $36,110 and the top tenth $64,790, so most people doing this work in Kentucky sit within a fairly tight band.
What does this pay actually buy where I live?
More than the figure suggests. Prices in Kentucky sit below the national level, so take-home here stretches like $43,595 would elsewhere. The wage is the same; the ground it covers is larger.
Where does the difference between the wage and my paycheck go?
Four deductions, stacked. The federal layer and the two payroll taxes apply wherever you work; Kentucky then takes its own share, leaving $39,439.
Can I compare this job across every state?
All 51 jurisdictions report this work, which makes the ranking a like-for-like one.
What is the dispersion of this occupation's wage distribution?
The tenth-to-ninetieth percentile span ($36,110 to $64,790) sits at or below the family's median dispersion, indicating relatively standardized compensation. Percentiles are published per state, so this dispersion is specific to Kentucky rather than a national figure.
What is this occupation's price-adjusted compensation in this state?
Kentucky's regional price parity is at or below the national average, so nominal wages understate purchasing power. Take-home deflated by the state price level is $43,595 in national-average terms. The adjustment uses an all-items index and does not isolate housing.
What accounts for the gap between gross wage and take-home here?
Take-home of $39,439 reflects federal income tax, OASDI, Medicare and Kentucky income tax for a single filer with no adjustments. The state layer is levied in addition to the federal one; only its rate and base differ between states.
Is this occupation's state coverage complete?
State-level estimates are published for all 51 jurisdictions for this occupation, so cross-state comparison is not confounded by suppression. ⚠️ Estimates remain survey-based and carry sampling error; small differences between adjacent states should not be over-read.