Kentucky Property Tax Calculator 2026

Calculate property taxes in Kentucky. The average effective property tax rate in KY is 0.72%, which is below the national average of 0.89%. Estimate your annual property tax bill.

By Konstantin Iakovlev · Updated October 19, 2026 · Methodology

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Annual Property Tax

$2,520.00

Monthly Equivalent

$210.00

Effective Rate

0.720%

Property Tax Breakdown

Assessed Value$350,000.00
Homestead Exemption$0.00
Taxable Value$350,000.00
Annual Tax$2,520.00
Monthly Equivalent$210.00

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

Kentucky Property Tax Guide

Property tax in Kentucky is a local affair. The state sets the rules, but counties assess your home's value and send the bill, with rates layered on by the county, school district, and sometimes a city or special district. The average effective property tax rate across Kentucky is about 0.72%, comfortably below the roughly 0.9% national average, which keeps homeowner costs moderate by US standards even in growing areas like Northern Kentucky and around Lexington.

To estimate a bill, start with the assessed value, which in Kentucky is meant to reflect fair cash value as of January 1, then apply the combined local rate. At the statewide average, a home assessed at $250,000 would owe roughly $1,800 a year, though your actual rate depends on which county and districts you fall in. Kentucky's homestead exemption gives a meaningful break to homeowners who are 65 or older or totally disabled, reducing the taxable assessed value by a set amount the state adjusts periodically for inflation. The local Property Valuation Administrator (PVA) in each county handles assessments and homestead applications.

Kentucky Property Tax Details (2026)

Avg. Effective Property Tax Rate 0.72%
National Average 0.89%
vs. National Average 0.17 points below
Estate Tax None
State Sales Tax 6%
State Income Tax 3.5% (flat)

Official Sources:

Kentucky Property Tax FAQ

How is property tax calculated in Kentucky?
Multiply your home's assessed value by the combined local tax rate, which bundles county, school, and any city or special-district levies. Kentucky assesses property at fair cash value as of January 1 each year. Using the statewide average effective rate of 0.72%, a $200,000 home would owe about $1,440 annually, but the exact figure depends on your specific districts.
Who sets and collects property tax in Kentucky?
Assessment is handled by each county's Property Valuation Administrator (PVA), an elected local official, while the county sheriff or clerk typically collects the bills. The state's role is to set the framework and oversee equalization. Because rates are stacked locally, two homes of equal value in different counties can owe noticeably different amounts.
What is Kentucky's homestead exemption?
Homeowners who are at least 65 or who are totally and permanently disabled can apply for a homestead exemption that lowers the taxable assessed value of their primary residence by a fixed dollar amount. Kentucky adjusts that exemption amount periodically to account for inflation. You apply through your county PVA, and it applies only to the home you live in.
Why is Kentucky property tax relatively low?
Its average effective rate of about 0.72% sits below the national average of roughly 0.9%, and home values in much of the state are moderate, so the combination keeps annual bills manageable. Rates still vary by county and school district, so urban and fast-growing areas can run higher than the statewide average while rural counties often run lower.

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