Side-by-side tax comparison between Florida (no income tax) and Kentucky (4% top rate).
| Salary | Florida | Kentucky | Difference | Winner |
|---|---|---|---|---|
| $50K | $42,298 | $40,048 | −$2,250 | Florida |
| $75K | $61,303 | $57,928 | −$3,375 | Florida |
| $100K | $78,890 | $74,390 | −$4,500 | Florida |
| $150K | $113,446 | $106,696 | −$6,750 | Florida |
| $200K | $149,103 | $140,103 | −$9,000 | Florida |
Florida offers higher take-home pay at every salary level. With no state income tax, Florida gives you a significant advantage over Kentucky's 4% top rate. At $100K, the difference is $4,500/year — that’s $375/month.
However, cost of living matters. Florida has a cost index of 100 while Kentucky is at 90. With similar costs of living, the tax difference is the main factor.