Job Salary Guide · 2026
Software Engineer Salary After Tax in Owensboro
Based on BLS OEWS data · KY · Single filer
Software Engineer Salary Range
25th Percentile
$105,000
Take-home:
$78,053
$6,504/mo
Entry to mid-level
Median
$132,000
Take-home:
$95,695
$7,975/mo
Typical salary
75th Percentile
$165,000
Take-home:
$116,930
$9,744/mo
Senior / specialist
Tax Breakdown
At median salary of $132,000
Cost of Living in Owensboro
1BR Monthly Rent
$880/mo
2BR Monthly Rent
$1,100/mo
COL Index
0.82
Comfortable Rent Max
$1,993/mo
50 / 30 / 20 Budget Planner
Based on your monthly take-home of $7,975 ($95,700/yr)
$3,988
per month
- ›Rent / mortgage
- ›Groceries
- ›Utilities
- ›Insurance
- ›Minimum debt payments
- ›Transportation
$2,393
per month
- ›Dining out
- ›Streaming services
- ›Gym
- ›Hobbies
- ›Travel
- ›Shopping
$1,595
per month
- ›Emergency fund
- ›401(k) / IRA
- ›Investments
- ›Down payment fund
- ›Debt payoff (extra)
Needs / year
$47,850
Wants / year
$28,710
Savings / year
$19,140
Software Engineer Salary in Other Cities
Frequently Asked Questions
What is the average Software Engineer salary in Owensboro?
The median Software Engineer salary in Owensboro (KY) is $132,000 per year based on BLS OEWS data. The 25th percentile is $105,000 and the 75th percentile is $165,000.
What is the take-home pay for a Software Engineer in Owensboro?
At the median salary of $132,000, a Software Engineer in KY takes home approximately $95,695 per year ($7,975/month) after federal and state taxes. The effective tax rate is 27.5%.
Can a Software Engineer afford rent in Owensboro?
The average 1-bedroom rent in Owensboro is $880/month. On the median Software Engineer salary, your rent-to-income ratio is 11%, which is "Comfortable". Financial experts recommend keeping rent below 25–30% of take-home pay ($1,993/month at this salary).
How does cost of living affect Software Engineer 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 Software Engineer salary goes further here than in high-cost metros.