Financial Risk Specialists in Kentucky
May 2025 wages · tax year 2026
You keep
$58,844
after federal, FICA and Kentucky tax
Tax takes
$15,796
21.2% of the whole
Worth, in national money
$65,044
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
$74,640
Kept after tax
$58,844
Worth in national money
$65,044
State rank
47
of 50 states
What this pays, and what it is worth
- Pay for financial risk specialists is on the low side in Kentucky. The middle earner gets $74,640. That is 47 of 50 states, and about 36.38% under the national figure. Whether that matters depends on what things cost here.
- Within Kentucky this is well-paid work. Of 491 occupations with published figures in the state, financial risk specialists ranks 112 — in the top quarter of everything people do there.
- Cheaper living works in this state's favor. From $74,640 you keep $58,844 after tax, and local prices stretch that to the equivalent of $65,044 at national prices. Averages run higher here, $78,540, since top earners drag the number up.
- For financial risk specialists, Kentucky sits in the lower band at $74,640, ranking 47 of 50 and trailing the national median by about 36.38%. Nominal rankings routinely invert once tax and regional price level are applied, so this position should not be read as the conclusion.
- Ranked against every occupation Kentucky publishes a median for, financial risk specialists sits 112 of 491 — the upper quartile of the state's wage distribution. National standing and within-state standing are separate questions, and a job can occupy very different positions on each.
- Retained pay in Kentucky is $58,844 after the full tax stack, from $74,640. Because the state's price level runs below the national average, the price-adjusted equivalent is $65,044 — a real-terms figure describing purchasing power rather than compensation, and not a number that appears on any pay stub. Mean pay of $78,540 exceeds the median, so the upper tail is doing the work.
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Pay band: Financial Risk Specialists
The state median for this job
| Lowest tenth earn under | $48,310 |
|---|---|
| Half earn under | $74,640 |
| Top tenth earn over | $107,800 |
| This salary | $74,640 |
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 | $58,844 |
|---|---|
| Take-home in Texas | $61,339 |
| Once local prices are leveledBEA price parity | −$1,922 |
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 | $71,094 |
|---|---|
| Raise you would need | +$2,655 |
| 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 financial risk specialists in Kentucky earn under $74,640 and half over. The published range runs $48,310 at the tenth percentile to $107,800 at the ninetieth. Experience and employer move an individual a long way inside that.
- That $58,844 take-home in Kentucky comes from $74,640. 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 112 of 491.
- Two cautions on $65,044, the adjusted value of that $74,640 median. It levels out prices with a single number for all of Kentucky. No actual address matches that. The wage figures and price figures are also from different years. Each is published on its own timetable. This work sits at 112 of 491 locally.
- Figures are distribution medians for financial risk specialists in Kentucky, not entry or offer rates. The published band runs $48,310 to $107,800; 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 $58,844, from $74,640, 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 112 of 491 locally, and the state ranks 47 of 50 for it.
- This $65,044 adjusted figure, worked from $74,640, rests on a state-level price parity averaging over within-state dispersion larger than much of the between-state dispersion. Wage and price vintages differ by publication schedule. The result is directionally sound and not address-specific, for work at 112 of 491 in the state. The occupation ranks 112 of 491 locally.
Questions people ask
Is this the average pay for the job?
No — it is the middle. Half of these workers earn more and half earn less. The average is $78,540, pulled upward by the top of the range, which is why the middle is the fairer number to plan against.
Why is the pay range for this job so wide?
Because one job title covers very different work. The bottom tenth here earn $48,310 and the top tenth $107,800 — experience, employer and specialism separate them, and a single figure hides all three.
What does this pay actually buy where I live?
Further than the number implies. Kentucky is cheaper than the national average, so this take-home behaves like $65,044 in national terms.
Where does the difference between the wage and my paycheck go?
Into four separate taxes, not one. Federal income tax, Social Security and Medicare apply everywhere, and Kentucky adds its own income tax on top — which is why $58,844 of this wage survives to your account.
Why is this job missing from some states?
Because the survey suppresses a figure when too few employers report it. This occupation has published pay in 50 states — the rest are withheld to protect confidentiality, which is not the same as nobody doing the work there.
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 $78,540. 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 ($48,310) and the ninetieth ($107,800) 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 $65,044 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 $58,844 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.
Why does this occupation lack published estimates in every state?
BLS suppresses estimates failing disclosure or reliability criteria. This occupation has published state-level estimates in 50 of the fifty-one jurisdictions. Suppression reflects sample size and confidentiality rules, and cannot be read as an absence of employment.