Owensboro Hourly Wage & Salary 2026
Owensboro, KY: $21.62/hr median hourly wage, $44,960 median annual salary, cost of living index 83, and $7.25/hr minimum wage. Calculate take-home pay with federal and Kentucky taxes.
Owensboro Hourly Wage Quick Answer
The median hourly wage in Owensboro, KY is $21.62/hr,and the median annual wage is $44,960. Entry-level pay estimates around $13.40/hr, senior-level pay estimates around $30.70/hr, and the local minimum wage is $7.25/hr.
Median figures: BLS OEWS May 2025, all occupations, Owensboro, KY metropolitan statistical area (49,450 jobs). BLS publishes wages by metro area, not by city, so Owensboro shares this figure with the rest of its metro. Entry and senior levels are Salario estimates.
Median Salary
$44,960
$21.62/hr
Cost of Living
83
US avg = 100
Minimum Wage
$7.25
per hour
Unemployment
3.5%
rate
Owensboro, KY Overview
Population
60,183
Median Salary
$44,960
Average Salary
$54,150
Avg Commute
18 min
Median Home Price
$165,000
Median Rent
$800/mo
Job Growth
+1%
Sales Tax
6%
Owensboro is located in Kentucky with a population of 60,183. The median annual wage across all occupations is $44,960 ($21.62/hour, BLS OEWS May 2025, Owensboro, KY metro), which is $6,020 below the national median of $50,980. The national median is the BLS OEWS May 2025 all-occupations median annual wage. The average commute time is 18 minutes, and the city has a job growth rate of +1%.
Owensboro Salary by Experience Level (2026)
Wage distribution in Owensboro, KY built around the $44,960 median salary (BLS OEWS May 2025, all occupations, Owensboro, KY metro). Entry-level represents 10th–25th percentile; mid-level is the median; senior-level represents 75th–90th percentile. The non-median rows are Salario estimates.
| Experience Level | Annual Salary | Hourly Wage | Years Exp |
|---|---|---|---|
| Entry-Level | $27,875 | $13.40/hr | 0–2 years |
| Mid-Level (Median) | $44,960 | $21.62/hr | 3–7 years |
| Senior-Level | $63,843 | $30.70/hr | 8–15 years |
| Top 10% (90th Percentile) | $80,029 | $38.48/hr | 15+ years / leadership |
Percentile multipliers (62%, 100%, 142%, 178%) are Salario approximations of the typical all-occupations wage spread in BLS OEWS metro tables; only the median row is a published BLS value. Specific roles vary; see jobs by city for role-specific data.
Owensboro Paycheck Calculator
Enter your annual salary to see your estimated take-home pay in Owensboro, KY, after federal, state, and local taxes.
Estimated Annual Take-Home Pay
$36,849
$3,070.78/month · $1,417.28/biweekly · Effective Rate: 18.0%
Biweekly paycheck estimate: this salary equals about $1,417.28 take-home per paycheck after estimated Kentucky and federal taxes. For the 26-paycheck formula, three-paycheck months, and withholding examples, see the Biweekly Paycheck Calculator.
Gross Pay
$44,960
Federal Tax
-$3,215
State Tax
-$1,456
Local Tax
$0
FICA
-$3,439
Net Pay
$36,849
Pay Breakdown
| Item | Monthly | Annual |
|---|---|---|
| Gross Salary | $3,746.67 | $44,960.00 |
| Federal Income Tax | -$267.93 | -$3,215.20 |
| Kentucky State Tax (3.24% eff.) | -$121.33 | -$1,456.00 |
| Social Security (6.2%) | -$232.29 | -$2,787.52 |
| Medicare (1.45%) | -$54.33 | -$651.92 |
| Net Take-Home Pay | $3,070.78 | $36,849.36 |
Salary Comparison: Owensboro vs Other Cities
See how Owensboro's median salary and cost of living compare to the national average and similar cities.
| City | Median Salary | COL Index | Adj. Salary |
|---|---|---|---|
| Owensboro, KY | $44,960 | 83 | $54,169 |
| National Average | $50,980 | 100 | $50,980 |
| Montgomery, AL | $44,950 | 86 | $52,267 |
| Prattville, AL | $44,950 | 88.5 | $50,791 |
| Deltona, FL | $44,940 | 95.2 | $47,206 |
| Palm Coast, FL | $44,940 | 99.4 | $45,211 |
Adjusted salary reflects purchasing power when cost of living is factored in. A higher adjusted salary means your money goes further.
Cost of Living in Owensboro
Owensboro's cost of living index is 83 (national average = 100). Living in Owensboro is 17% less expensive than the national average.
Median Home Price
$165,000
Median Monthly Rent
$800
Annual Rent Cost
$9,600
Your Salary's Purchasing Power
Your $36,849 annual take-home pay in Owensboro has the purchasing power of approximately $44,397 in an average-cost US area. Your $44,960 salary stretches further here than in most US cities.
Top Industries in Owensboro
Owensboro's economy is driven by these key industries. Workers in top industries often earn significantly above the median salary of $44,960.
Salary Tips for Owensboro Workers
- Your salary goes further here. Owensboro has a cost of living 17% below the national average. A salary of $44,960 here has the purchasing power of about $54,169 in an average-cost area.
- Research top industries. Owensboro's top industries include Manufacturing, Healthcare, Energy. Targeting roles in these sectors can help you earn above the $44,960 median salary.
- Review your W-4 withholding. If you regularly receive large tax refunds, adjust your W-4 to increase your per-paycheck take-home pay instead of giving the government an interest-free loan.
Other Cities in Kentucky
Richmond
Bowling Green
Covington
Elizabethtown
Florence
Frankfort
Georgetown
Henderson
Hopkinsville
Independence
Jeffersontown
Lexington
Methodology & Local Economy Data Sources
How we calculate Owensboro salary data: The median annual wage, median hourly wage and mean wage are the official BLS OEWS May 2025 all-occupations values for the Owensboro, KY metropolitan statistical area, retrieved from the BLS Public Data API on September 17, 2026. BLS does not publish city-level wages, so every city inside that metro shows the same figure. The entry/senior/top-10% rows, the paycheck estimate and the purchasing-power conversion are Salario calculations built on that median. Cost-of-living adjustments use the C2ER Cost of Living Index baseline of 100 (national average), with Owensboro indexed at 83.
- Median salary: $44,960 annual, $21.62 hourly, BLS OEWS May 2025, all occupations, Owensboro, KY MSA (49,450 jobs surveyed). Mean wage $54,150 (BLS). Salario's previous modeled median for Owensboro was $46,000.
- Tax burden reflects Kentucky 2026 state income tax brackets and standard deduction (top rate 3.5%) (no local income tax), sales tax (6%), and federal taxes per IRS 2026 brackets.
- Unemployment rate for Owensboro: 3.5%, sourced from BLS Local Area Unemployment Statistics (LAUS).
- Top industries: Manufacturing, Healthcare, Energy, based on QCEW employment concentration data.
- Job growth: 1% projected through 2034, derived from BLS Employment Projections program for Kentucky.
- Housing context: median home price $165,000, median rent $800/mo, sourced from Census American Community Survey 5-year estimates.
Authoritative US data sources for Owensboro, KY:
- BLS Occupational Employment and Wage Statistics (OEWS), metropolitan area salary data
- BLS Local Area Unemployment Statistics, Owensboro unemployment rate
- U.S. Census Bureau, Owensboro QuickFacts, population, housing, demographics
- BLS Quarterly Census of Employment and Wages (QCEW), county-level industry employment
- BLS Economy at a Glance, Kentucky, state economic indicators
- U.S. Bureau of Economic Analysis (BEA), local GDP and personal income data
- BLS Consumer Price Index (CPI-U), regional inflation tracking
Disclaimer: Salary and cost data are estimates for general guidance. Individual compensation varies by employer, experience, education, negotiation, and skills. Owensboro's rapidly changing economy can shift these baselines, always verify with current job listings, employer offers, and recent Kentucky labor market reports for the most current figures.
Reviewed by Harlan Voss · Last updated September 17, 2026 · Wage figures: BLS OEWS May 2025 release (published May 2026) · Census data current as of latest releases
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Frequently Asked Questions
What is the hourly wage in Owensboro, KY?
The median hourly wage in Owensboro, KY is $21.62 per hour, the BLS OEWS May 2025 median for all occupations in the Owensboro, KY metropolitan area, and the BLS median annual wage is $44,960. Entry-level workers are estimated around $13.40/hr, while senior-level workers are estimated around $30.70/hr before overtime, bonuses, or benefits (Salario estimates, not BLS percentiles).
What is the median salary in Owensboro, KY?
The median salary in Owensboro, KY is $44,960 per year, or $21.62 per hour (BLS OEWS May 2025, all occupations, Owensboro, KY metro area). The BLS mean salary is $54,150. This is $6,020 below the BLS national median of $50,980.
What is the cost of living in Owensboro, KY?
Owensboro's cost of living index is 83 (national average = 100), meaning it is 17% less expensive compared to the national average. The median home price is $165,000 and the median monthly rent is $800.
What are the best industries in Owensboro?
The top industries in Owensboro, KY include Manufacturing, Healthcare, Energy. The city has a job growth rate of 1% and an unemployment rate of 3.5%. Workers in these industries often earn above the city's median salary of $44,960.
How does Owensboro's salary compare to other cities?
Owensboro's median salary of $44,960 is 11.8% below the national median of $50,980. However, when adjusted for cost of living (index: 83), the real purchasing power is approximately $54,169.
What is the minimum wage in Owensboro, KY?
The minimum wage in Owensboro, KY is $7.25 per hour. This equals approximately $15,080 per year for a full-time worker (40 hours/week). This matches the federal minimum wage of $7.25/hour.