Kentucky Property Tax Calculator
Kentucky property tax gathers several local levies — county, city, and school district — onto one statement, each applied to the value on record for your home. Qualifying owner-occupants may claim homestead-type relief, and any owner can contest a valuation. Because levies differ across the state, this page estimates from county medians. Choose a Kentucky county above to see a typical annual and monthly figure.
Annual Property Tax
$1,532Monthly (Escrow)
$128Effective Rate
0.74%Highest property tax counties in Kentucky
Effective rate = aggregate real-estate taxes paid ÷ aggregate home value (ACS 2024 5-year).
| County | Effective Rate | Median Home Value |
|---|---|---|
| Campbell County | 1.05% | $252,000 |
| Kenton County | 0.96% | $244,400 |
| Greenup County | 0.94% | $134,000 |
| Oldham County | 0.92% | $393,100 |
| Henderson County | 0.86% | $171,900 |
| Jefferson County | 0.85% | $248,400 |
| Boone County | 0.84% | $277,300 |
| Bullitt County | 0.84% | $247,200 |
| Fayette County | 0.84% | $293,500 |
| Daviess County | 0.81% | $199,900 |
How property tax works in Kentucky
- A value is set for the property, and county, city, and school levies are each applied to it on one statement.
- Homestead-type relief is available to qualifying owner-occupants.
- Valuations can be contested through a local review process.
Methodology
Rates are aggregate-derived from the Census Bureau's ACS 2024 5-year American Community Survey (total real-estate taxes paid ÷ total home value, by county). This is a statistical estimate, not a bill lookup — actual property tax bills vary by city, school district, and special-district levies layered on top of the county rate, and by any homestead, senior, veteran, or other exemptions you qualify for. Kentucky ranks #31 of 51 (including DC) by statewide average effective rate, where #1 is the highest.
Need your Kentucky income tax too? Use the Kentucky income tax calculator .
Compare property tax across every state at the property tax calculator , or see whether your property tax deduction is capped at the SALT deduction cap calculator .
Frequently asked questions
How is property tax calculated in Kentucky?
The value on record for your home meets the levies adopted by your county, your city, and your school district; each is applied separately and the results are billed together. The calculator above condenses those layers into a county-median effective rate.
How much property tax will I pay in Kentucky?
Location within Kentucky is the main variable, since each county's mix of levies differs. Select your county above, add the home's value, and take the estimate — annual and monthly — based on that county's median.
Can I lower my Kentucky property tax bill?
Qualifying owner-occupants can claim homestead-type relief that removes part of the value from taxation, and a valuation that looks inflated can be contested locally. Both require acting within the windows printed on your notices.
Are property taxes deductible?
Yes, on an itemized federal return — property tax sits inside the SALT deduction, which federal law caps. Look up the cap in effect for your filing year with the IRS.
Sources
Related insights
Use these guides for rule explanations, planning context, and follow-up questions beyond the calculator result.