Updated August 7, 2026. Quick answer: every figure Clear Money Guide holds about Kentucky, on one page, each one copied from a dataset that cites its own statute or agency. Built for reporters on deadline — take any line, follow the link for the source.
What stands out about Kentucky
These are the figures where Kentucky differs most from the rest of the country — selected by counting how many jurisdictions share each value, not by editorial preference.
- Formation fee: $40 — the only jurisdiction of the 48 we have data for
- Trigger: the premium due date specified in the policy — one of only 4 of 47
- Free look days: not less than 10 days — one of only 4 of 31
- Salary history ban: no — one of only 9 of 49
What dying costs here
- Small estate limit: 30000
- Small estate scope: unstated
Source and full detail: the cost-of-dying index. Figures copied from those pages, which own them.
Estate and property law status
- Authorized: yes
- Statute or act: KRS 423.300-423.455 (Kentucky’s RULONA adoption / online notarization provisions), enacted SB 114 (2019)
- Effective date: 2020-01-01
- Conditions: Online/remote notary must register separately with the SOS before performing electronic or remote notarizations. Identity via personal knowledge, credible witness, or remote presentation of a government ID combined with credential analysis and identity proofing. Recording of the session retained …
- Association name: Kentucky Life and Health Insurance Guaranty Association (KLHIGA)
- Death benefit limit: $300,000
- Cash surrender limit: $100,000
- Annuity limit: $250,000
- Aggregate limit: $300,000
- Statute citation: KRS 304.42-030(3) (Kentucky Life and Health Insurance Guaranty Association Act)
- Free look days: not less than 10 days
- Trigger: receipt of the policy by the policyowner
- Refund basis: any premium paid for the policy shall be promptly returned to the policyowner by the company; the policy is void from its inception
- Grace period days: 30 days, or at the insurer’s option one month of not less than 30 days
- Coverage during grace: the policy shall continue in full force; the insurer may impose an interest charge for the days of grace elapsed; and whether or not interest is imposed, if a claim arises during grace, the amount of any premium due or overdue, together with interest and any deferred installment of the annual pre…
- Variations: 4 weeks for industrial life insurance policies whose premiums are payable more frequently than monthly (same section). Annuities have a separate grace provision at KRS 304.15-190.
Source and full detail: notary rules by state · guaranty association limits · life insurance free-look periods · life insurance grace periods. Figures copied from those pages, which own them.
Working and earning here
- Quit deadline: By the LATER of the next normal pay period or 14 days after separation
- Fired deadline: By the LATER of the next normal pay period or 14 days after separation
- Statute citation: KRS 337.055, KRS 337.990(3)
- Has law: No
- Disclosure trigger: none
- Salary history ban: no
- Local ordinances: none identified
- Authority: statute
- Contested: no
Source and full detail: final paycheck laws by state · pay transparency laws by state · paid family leave by state · the convenience-of-the-employer rule. Figures copied from those pages, which own them.
Renting here
- Return deadline: No fixed day-count – process-based. The landlord must inspect and compile a damage listing signed by both parties, then send notice of any refund due; after 60 days without a tenant response the landlord may retain an undisputed balance.
- Interest required: no
- Statute citation: KRS 383.580; KRS 383.625
Source and full detail: security deposit law by state. Figures copied from those pages, which own them.
Starting a business here
- Formation fee: $40
- Annual report: $15
- Franchise tax: $175 minimum Limited Liability Entity Tax (LLET) per year
- Publication requirement: none identified
- Statute citation: KRS 275 (LLC act) via the SOS fee schedule; KRS 141.0401 (LLET) via the Department of Revenue
- Five year total: $990
Source and full detail: LLC cost by state. Figures copied from those pages, which own them.
Tax treatment here
- Has law: Yes
- Treatment: ordinary income
- Rate: 3.50% flat
- Preferential mechanism: none
- Tax year: 2026
- Statute citation: KRS 141.020(2)(f)
Source and full detail: capital gains tax by state. Figures copied from those pages, which own them.
For journalists: how to cite this
Clear Money Guide, Kentucky Money Statistics 2026. https://clearmoneyguide.com/state-money-statistics/kentucky/. Every figure on this page is copied from a Clear Money Guide dataset that states its own primary source and the date it was read — follow the section links for the statute or agency behind any number. Free to reuse with attribution under CC BY 4.0.
What this sheet does and does not contain
This sheet aggregates; it does not research. Every figure is copied from the owning page linked in each section, and a figure we do not own is simply absent — not estimated, not inferred from a neighbouring state. That is why sheets differ in length: this one states 42 figures, and a state where we hold less will show fewer. A short sheet means we have less, not that the state has less.
Statutory law changes. Each linked owner page carries the date its figures were read; check there before relying on anything here. See also Kentucky financial adviser statistics and all 51 state money sheets.
General information about published law and public data, not legal, tax or investment advice. No advertising appears on this page and we earn nothing from it.