What Home Health and Personal Care Aides earn in Gallatin County, KY
If you are weighing a move or a job offer, start with $35,210: the median annual pay for Home Health and Personal Care Aides in Gallatin County, KY. Spread over a standard 2,080-hour work year, that is $16.93 an hour. Because the wage survey covers the whole Cincinnati, OH-KY-IN metropolitan area, the number reflects employers across the region rather than a single town or a single company.
The mean wage is $35,740, which is 1.5% above the median, so pay is spread fairly evenly. The survey counts about 16,470 people working in this occupation across the Cincinnati, OH-KY-IN metropolitan area, so the estimate rests on a substantial pool of workers. Gallatin County, KY has roughly 8,769 residents, according to the population figures used by the rent data.
The salary range, from entry level to top earners
Pay for Home Health and Personal Care Aides in the Cincinnati, OH-KY-IN metropolitan area is not one number. The lowest-paid tenth of workers earn up to $29,020 a year ($13.95 an hour), while the highest-paid tenth earn $45,890 or more ($22.06 an hour). That is a gap of $16,870 between the bottom and the top of the scale. The middle half of workers falls between $30,820 at the 25th percentile and $37,200 at the 75th percentile. A top-tier earner makes 1.6 times what someone at the bottom makes, so experience, certification and employer all matter.
What the hourly rate looks like
Converted to an hourly wage, the median for Home Health and Personal Care Aides in Gallatin County, KY is $16.93. A full-time schedule of 40 hours for 52 weeks adds up to $35,210, and the same salary is $2,934 a month before taxes or about $1,354 per biweekly pay period. After taxes the same job pays $14.01 per hour of take-home income, which is the number that actually has to cover rent and groceries.
About this occupation: Home Health and Personal Care Aides
The U.S. Department of Labor's O*NET database describes the work of Home Health Aides this way: "Monitor the health status of an individual with disabilities or illness, and address their health-related needs, such as changing bandages, dressing wounds, or administering medication. Work is performed under the direction of offsite or intermittent onsite licensed nursing staff. Provide assistance with routine healthcare tasks or activities of daily living, such as feeding, bathing, toileting, or ambulation. May also help with tasks such as preparing meals, doing light housekeeping, and doing laundry depending on the patient's abilities."
Core tasks recorded by O*NET include: "Maintain records of patient care, condition, progress, or problems to report and discuss observations with supervisor or case manager"; "Provide patients with help moving in and out of beds, baths, wheelchairs, or automobiles and with dressing and grooming"; "Provide patients and families with emotional support and instruction in areas such as caring for infants, preparing healthy meals, living independently, or adapting to disability or illness"; "Entertain, converse with, or read aloud to patients to keep them mentally healthy and alert".
This BLS pay category covers several related O*NET occupations, among them Home Health Aides, Personal Care Aides, so the wage figures describe the group as a whole.
Job outlook for Home Health and Personal Care Aides
The Bureau of Labor Statistics projects national employment in this occupation to grow from 4,677,100 jobs in 2025 to 5,524,400 in 2035, a change of +18.1%, faster than the 3.5% projected for all occupations. The projection counts 760,500 openings a year on average, including positions created by growth and positions left by workers who retire or move to another occupation; that equals 16.3% of current employment each year.
Typical entry-level education: high school diploma or equivalent. Typical on-the-job training to reach competency: short-term on-the-job training. BLS lists a national median annual wage of $35,800 for this occupation; the Gallatin County, KY median of $35,210 is 1.6% below it.
How pay in Gallatin County, KY compares
Compared with the Kentucky average
Pay for Home Health and Personal Care Aides in Gallatin County, KY is in line with the statewide figure: $35,210 locally against an employment-weighted Kentucky average of $35,082, a difference of only $128 (0.4%). Within Kentucky, the highest median we track for this job is $35,860 in Jefferson County, KY.
Compared with the national average
Nationally, Home Health and Personal Care Aides earn an employment-weighted average of $34,899 across the contiguous United States, so $35,210 in Gallatin County, KY is essentially average. Keep in mind that a higher salary only helps if living costs do not rise faster, which is why the cost sections below matter as much as the headline number.
Where this job ranks in Gallatin County, KY
Among the 582 occupations with published wages in Gallatin County, KY, Home Health and Personal Care Aides ranks number 543 by median pay, ahead of about 7% of them. The best-paying occupation we track here is Software Developers at $121,420 a year, which is $86,210 more than the median for Home Health and Personal Care Aides.
From gross pay to take-home pay
A salary of $35,210 does not arrive in full. We model a single filer with wage income only, the standard deduction and tax-year 2025 rules, and we keep the three tax layers apart: federal income tax, FICA (Social Security and Medicare) and state income tax. Together they take $6,068 a year, which leaves $29,142, or $2,429 a month.
Put another way, of every $100 earned, about $17 goes to taxes and $83 reaches the paycheck. The overall effective tax rate is 17.2%.
Federal income tax
After the $15,750 standard deduction, taxable income is $19,460. Federal brackets are marginal, so only the slice of income above each threshold is taxed at the higher rate; the last dollars of this salary fall in the 12% bracket. The resulting federal income tax is $2,097, an effective 6.0% of gross pay, well below the 12% marginal rate because the lower brackets are cheaper.
Social Security and Medicare (FICA)
Payroll taxes are a flat percentage of wages. Social Security takes 6.2% up to a wage base of $176,100, which costs $2,183 on this salary. Medicare takes 1.45%, or $511. FICA totals $2,694, which is 7.6% of gross pay.
State income tax in Kentucky
Kentucky income tax on this salary is $1,278 a year, or 3.6% of gross pay, after the state's own deductions and exemptions are applied. That is 61% of the federal income tax bill, and it comes out to $106 a month. Local taxes such as county or city income taxes are not included, so a few jurisdictions may withhold slightly more.
A cross-check with IRS data for Gallatin County, KY
IRS Statistics of Income data for Gallatin County, KY show an average adjusted gross income of $64,239 per return and an average effective federal income tax rate of 9.0% across all filers. Filers in the $25,000 to under $50,000 bracket, where this salary falls, paid an average of 4.6%, compared with the 6.0% estimated here for a single filer taking the standard deduction. Gaps between the two reflect filing status, dependents, credits and other income, none of which a single-person wage estimate includes.
Cost of living in Gallatin County, KY
Take-home pay only means something next to what life costs. We price four basics for one adult in Gallatin County, KY: a one-bedroom apartment, food, home energy and gasoline. All of them are converted to annual figures first, then compared with the $29,142 of take-home pay.
Rent
The HUD Fair Market Rent for a one-bedroom apartment in Gallatin County, KY is $1,128 a month, or $13,536 a year. A two-bedroom costs $1,442 a month. For Home Health and Personal Care Aides, a one-bedroom absorbs 46.5% of take-home pay and 38.4% of gross pay.
Food
The USDA Thrifty Food Plan (August 2026) puts the cost of a nutritious home-cooked diet for an adult at about $3,436 a year, which is $286 a month or $66.07 a week. That equals 9.8% of gross pay for Home Health and Personal Care Aides in Gallatin County, KY. It is a thrifty budget with no restaurant meals, so treat it as a floor.
Energy and gasoline
Using Kentucky residential prices from the Energy Information Administration and national household averages for consumption, electricity costs about $1,351 a year and other home energy such as natural gas about $524, for $1,874 in total. Gasoline in Kentucky averages $3.18 per gallon; at about 463 gallons a year (11,106 miles at 24 miles per gallon) fuel adds $1,470.
What is left over
Add the four basics together and living costs come to $20,316 a year, 70% of take-home pay. That leaves $8,826 a year, or $736 a month, for savings, transportation beyond fuel, health care, debt and everything else. That margin equals 25.1% of gross pay, a comfortable cushion by common budgeting rules.
Local housing and commute data for Gallatin County, KY
The budget above covers rent, food, energy and gasoline. Three more local facts shape what a paycheck buys in Gallatin County, KY: property taxes, housing prices and the daily commute. The figures below are exact U.S. Census Bureau American Community Survey 2020-2024 5-year estimates for Gallatin County, KY, set beside the Kentucky and national medians.
Property taxes in Gallatin County, KY
Homeowners in Gallatin County, KY pay a median of $1,476 a year in real estate taxes, 4% below the Kentucky median of $1,544 and 53% below the U.S. median of $3,119. Against a median home value of $178,200, the median tax bill is 0.83% of that value (the ratio of the two county medians). For a worker paid the local Home Health and Personal Care Aides median of $35,210, a tax bill of that size would equal 4.2% of gross pay, which matters for anyone planning to buy rather than rent.
Rents, home prices and household income in Gallatin County, KY
Renters in Gallatin County, KY pay a median gross rent of $832 a month in the Census survey, 14% below the Kentucky median of $967. HUD's Fair Market Rent for a one-bedroom apartment, which this site uses in the budget, is $1,128 a month; the two measures differ because the Census figure covers units of every size that renters already occupy, while the HUD figure is a one-bedroom benchmark. The median value of an owner-occupied home is $178,200, 13% below the Kentucky median of $205,600. Median household income is $63,346, in line with the Kentucky median of $63,726, so a year of one-bedroom Fair Market Rent equals 21.4% of that income.
Commuting in Gallatin County, KY
Workers in Gallatin County, KY who travel to a workplace spend an average of 29.5 minutes each way, 23% above the Kentucky average of 24.0. For someone who commutes five days a week, that is 4.9 hours of round-trip travel every week, a cost the budget does not price. 4.5% of workers in Gallatin County, KY work from home, compared with 15.1% nationally, which removes the commute for them.
Can Home Health and Personal Care Aides afford to live in Gallatin County, KY?
The 30% rent guideline
A common rule of thumb says rent should stay under 30% of gross income. For a gross salary of $35,210 that ceiling is $880 a month. The one-bedroom Fair Market Rent of $1,128 is $248 over it, so rent breaks the guideline. Put as a wage, covering a one-bedroom at the 30% guideline takes $21.69 an hour; the median for Home Health and Personal Care Aides is $16.93, which is 22% below that mark. Another way to see it: at $14.01 of take-home pay an hour, a one-bedroom takes about 18.6 working hours every week.
Splitting a two-bedroom
Sharing a two-bedroom at $1,442 a month means $721 each. Compared with renting a one-bedroom alone, that saves $4,884 a year. With a roommate, the yearly margin after the basics becomes $13,710.
How fast you can save
At $736 a month of margin, building a $10,000 emergency fund would take about 14 months. Setting aside half of the margin stretches the same goal to about 28 months. These figures ignore interest, raises and any spending beyond the four basics.
Frequently asked questions about Home Health and Personal Care Aides pay in Gallatin County, KY
What is the hourly wage for Home Health and Personal Care Aides in Gallatin County, KY?
The median is $16.93 per hour, based on $35,210 a year over 2,080 hours. Hourly pay runs from about $13.95 at the 10th percentile to $22.06 at the 90th percentile.
What is the take-home pay for Home Health and Personal Care Aides in Gallatin County, KY?
After federal income tax, FICA and state income tax, the median salary of $35,210 becomes $29,142 a year. That is $2,429 a month, $1,121 every two weeks or $560 a week.
What percentage of pay goes to taxes for Home Health and Personal Care Aides in Gallatin County, KY?
Total taxes are $6,068 a year, an effective rate of 17.2%: $2,097 federal income tax, $2,694 FICA and $1,278 Kentucky income tax.
Is pay for Home Health and Personal Care Aides in Gallatin County, KY above the Kentucky average?
It is about the same. The local median of $35,210 is within 0.4% of the Kentucky average of $35,082.
Is a one-bedroom rent affordable on the median Home Health and Personal Care Aides salary in Gallatin County, KY?
A one-bedroom costs $1,128 a month against take-home pay of $2,429, which is 46.4% of take-home pay. That does not meet the 30%-of-gross guideline, which allows up to $880 a month.
How much is left after rent, food and energy for Home Health and Personal Care Aides in Gallatin County, KY?
About $736 a month ($8,826 a year) remains after a one-bedroom apartment, food, home energy and gasoline, which together cost $20,316 a year.
What hourly wage covers a one-bedroom in Gallatin County, KY at the 30% guideline?
$21.69 an hour for a full-time schedule, calculated as the $13,536 annual rent divided by 0.30 and by 2,080 hours. The median for Home Health and Personal Care Aides is $16.93.
How we calculated these numbers
Wages are May 2025 medians from the Bureau of Labor Statistics Occupational Employment and Wage Statistics survey for the Cincinnati, OH-KY-IN metropolitan area; hourly-only values are annualized at 2,080 hours. Rents are HUD Fair Market Rents, food costs come from the USDA Thrifty Food Plan, and energy prices come from the Energy Information Administration. County-level tax statistics come from the IRS Statistics of Income.
Taxes use tax-year 2025 federal brackets, FICA rates and the Kentucky rules for a single filer with wage income only. Figures are estimates for planning and comparison, not tax or financial advice, and they exclude local income taxes, benefits, retirement contributions and individual circumstances.