Job Salary Guide · 2026
Chef Salary After Tax in Owensboro
Based on BLS OEWS data · KY · Single filer
Chef Salary Range
25th Percentile
$40,000
Take-home:
$32,578
$2,715/mo
Entry to mid-level
Median
$58,000
Take-home:
$46,321
$3,860/mo
Typical salary
75th Percentile
$80,000
Take-home:
$61,466
$5,122/mo
Senior / specialist
Tax Breakdown
At median salary of $58,000
Cost of Living in Owensboro
1BR Monthly Rent
$880/mo
2BR Monthly Rent
$1,100/mo
COL Index
0.82
Comfortable Rent Max
$965/mo
50 / 30 / 20 Budget Planner
Based on your monthly take-home of $3,860 ($46,320/yr)
$1,930
per month
- ›Rent / mortgage
- ›Groceries
- ›Utilities
- ›Insurance
- ›Minimum debt payments
- ›Transportation
$1,158
per month
- ›Dining out
- ›Streaming services
- ›Gym
- ›Hobbies
- ›Travel
- ›Shopping
$772
per month
- ›Emergency fund
- ›401(k) / IRA
- ›Investments
- ›Down payment fund
- ›Debt payoff (extra)
Needs / year
$23,160
Wants / year
$13,896
Savings / year
$9,264
Chef Salary in Other Cities
Frequently Asked Questions
What is the average Chef salary in Owensboro?
The median Chef salary in Owensboro (KY) is $58,000 per year based on BLS OEWS data. The 25th percentile is $40,000 and the 75th percentile is $80,000.
What is the take-home pay for a Chef in Owensboro?
At the median salary of $58,000, a Chef in KY takes home approximately $46,321 per year ($3,860/month) after federal and state taxes. The effective tax rate is 20.14%.
Can a Chef afford rent in Owensboro?
The average 1-bedroom rent in Owensboro is $880/month. On the median Chef salary, your rent-to-income ratio is 22.8%, which is "Comfortable". Financial experts recommend keeping rent below 25–30% of take-home pay ($965/month at this salary).
How does cost of living affect Chef salaries in Owensboro?
Owensboro has a cost-of-living index of 0.82 (1.00 = national average). Owensboro is 18% cheaper than the US average, so the Chef salary goes further here than in high-cost metros.