Credit Analysts in Kentucky
May 2025 wages · tax year 2026
You keep
$61,953
after federal, FICA and Kentucky tax
Tax takes
$17,337
21.9% of the whole
Worth, in national money
$68,481
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
$79,290
Kept after tax
$61,953
Worth in national money
$68,481
State rank
24
of 51 states
What this pays, and what it is worth
- Neither high nor low. Kentucky is 24 of 51 states for credit analysts, with a middle wage of $79,290. What that is worth is the question the rest of this page answers.
- This is one of the better-paid jobs in Kentucky. It ranks 92 out of 491 occupations the state publishes figures for, which puts it in the top quarter locally.
- Kentucky is cheaper than average, and that shows up here. From $79,290 the take-home is $61,953; adjusted for what things actually cost, it goes as far as $68,481 would nationally. The average comes to $87,210, above the middle, thanks to the top of the range.
- Kentucky ranks 24 of 51 for credit analysts at $79,290. The nominal figure is unremarkable; the adjusted figures are where the state's actual position for this occupation is determined.
- Within Kentucky, credit analysts ranks 92 of 491 occupations by median pay, placing it in the top quartile of the local distribution. This is the comparison a resident actually makes — against neighbors rather than against the same job elsewhere.
- Post-tax income for credit analysts in Kentucky, on $79,290, is $61,953 — equivalent to $68,481 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 $87,210 the mean overshoots the median — the usual right-skewed shape.
Compare this career across states
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Pay band: Credit Analysts
The state median for this job
| Lowest tenth earn under | $51,980 |
|---|---|
| Half earn under | $79,290 |
| Top tenth earn over | $130,200 |
| This salary | $79,290 |
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 | $61,953 |
|---|---|
| Take-home in Texas | $64,611 |
| Once local prices are leveledBEA price parity | −$1,992 |
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 | $75,512 |
|---|---|
| Raise you would need | +$2,751 |
| Prices in Texas | 97 vs 90 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Half the people doing this work in Kentucky earn less than $79,290. The published range is $51,980 up to $130,200, so an individual figure can sit a long way from the middle in either direction.
- One filer, no dependants, no pension contributions — that is the household behind Kentucky's $61,953, worked from $79,290. That is on purpose. It lets states be compared with each other, not with each other's family circumstances. Local city taxes are left out. Locally this work ranks 92 of 491.
- One number stands for prices across all of Kentucky, which is a simplification — big cities cost far more than small towns. Read $68,481, the adjusted value of that $79,290 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 92 of 491 in the state.
- Reported values are medians; for credit analysts in Kentucky the tenth-to-ninetieth percentile band is $51,980 to $130,200. Neither the median nor the band is an offer rate, and neither accounts for hours, shift differentials or overtime.
- The Kentucky take-home of $61,953, on $79,290 for work ranking 92 of 491 locally, models the simplest household deliberately: holding it constant is what makes the interstate comparison meaningful. It also means the absolute figure overstates liability for most real filers, and municipal income taxes are outside the model entirely. The occupation ranks 92 of 491 in the state.
- Price deflation uses one statewide parity for Kentucky, so $68,481 — the adjusted value of that $79,290 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 92 of 491 locally.
Questions people ask
Is this the average pay for the job?
Half earn more than this and half earn less. The average sits at $87,210 because a long tail of high pay lifts it, so the two answer different questions.
Why is the pay range for this job so wide?
One title, many jobs. The lowest tenth take $51,980, the highest tenth $130,200, and what separates them is experience, employer and what exactly the role does.
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 $68,481 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 $61,953.
Can I compare this job across every state?
All 51 jurisdictions report this work, which makes the ranking a like-for-like one.
How does the published median differ from the mean for this occupation?
The median is the midpoint of the distribution; the mean for this occupation in Kentucky is $87,210. Wage distributions are right-skewed, so the mean exceeds the median wherever a minority earn substantially more. BLS publishes both because substituting one for the other misstates a typical worker's pay.
What drives the percentile dispersion in this occupation?
Dispersion between the tenth percentile ($51,980) and the ninetieth ($130,200) exceeds the family median dispersion. SOC codes aggregate roles differing in seniority, industry and specialisation, and BLS does not disaggregate below the detailed occupation level, so within-title variance is not separable from the published series.
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 $68,481 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 $61,953 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.