Kentucky Property Tax Calculator (2026)
The Kentucky median effective property tax rate is 0.75% for 2026 — median real-estate taxes paid divided by median home value (U.S. Census Bureau ACS 2024). On a $400,000 home that is about $3,000 a year (~$250 a month). Kentucky ranks #29 of 51 nationally. Enter your home value below for an instant estimate, then confirm the exact rate with your county.
What is the Kentucky property tax rate in 2026?
Kentucky's median effective property tax rate is 0.75%. On the state median home value of $205,600, the typical bill is about $1,544 a year.
How much is property tax on a $400,000 home in Kentucky?
About $3,000 a year, or roughly $250 a month, at the 0.75% median effective rate.
Where does Kentucky rank nationally?
Kentucky ranks #29 of 51 by median effective rate (1 = highest), near the middle of the national range. That is 0.19% below the 0.94% US average.
Is this my exact property tax bill?
No. Your county sets the millage and assessed value. This uses the state median; homestead, senior, and veteran exemptions can lower your bill.
How does property tax work in Kentucky?
Kentucky property tax is set locally, not by the state. Your county assessor values your home, then applies a local millage (tax) rate. Cities, school districts, and special districts each add a share.
Because rates vary by county, this page uses the Kentucky median effective rate of 0.75%. That is the median tax paid divided by the median home value, from the U.S. Census Bureau (ACS 2024). It is a benchmark, not your exact bill.
How much is property tax on a home in Kentucky?
| Home value | Rate (0.75%) | Annual tax | Monthly |
|---|---|---|---|
| $200,000 | 0.75% | $1,500 | $125 |
| $400,000 | 0.75% | $3,000 | $250 |
| $205,600 (state median) | 0.75% | $1,544 | $129 |
| $750,000 | 0.75% | $5,625 | $469 |
How do you calculate Kentucky property tax by hand?
- Find your home's assessed value on your county notice.
- Apply your county's assessment ratio if it uses one.
- Multiply the taxable value by the local millage (tax) rate.
- For a quick estimate, multiply your home value by 0.75% (the Kentucky median effective rate).
What exemptions can lower your Kentucky property tax?
Most counties offer a homestead exemption on your primary home. Many add relief for seniors, veterans, and people with disabilities. These lower your taxable value, so your real rate is often below the median.
Rules and amounts vary by county and change over time. Check your county assessor for the exemptions you qualify for before relying on a figure.
Why is your actual Kentucky bill different from this estimate?
Three things move your bill away from the state median. Your county rate may be higher or lower than the median. Your assessed value can lag the market. And exemptions reduce the taxable amount.
Use this page to budget and compare. For the exact number, use your latest assessment notice and your county's current millage rate.
How does property tax vary by county in Kentucky?
Property tax in Kentucky is set and collected at the county level, so your rate depends on where you live. Across Kentucky's 120 counties, the effective rate ranges from 0.17% in Green County to 1.06% in Campbell County. The table lists every county's effective rate, median home value, and median tax paid (U.S. Census Bureau ACS 2024).
| County | Effective rate | Median home value | Median tax |
|---|---|---|---|
| Adair County | 0.56% | $150,800 | $971 |
| Allen County | 0.57% | $192,300 | $1,046 |
| Anderson County | 0.72% | $225,100 | $1,697 |
| Ballard County | 0.66% | $145,800 | $1,065 |
| Barren County | 0.59% | $178,000 | $1,212 |
| Bath County | 0.56% | $129,800 | $850 |
| Bell County | 0.57% | $89,000 | $723 |
| Boone County | 0.84% | $277,300 | $2,372 |
| Bourbon County | 0.57% | $229,300 | $1,627 |
| Boyd County | 0.79% | $130,700 | $1,156 |
| Boyle County | 0.76% | $209,900 | $1,731 |
| Bracken County | 0.73% | $125,000 | $1,149 |
| Breathitt County | 0.66% | $70,300 | $510 |
| Breckinridge County | 0.54% | $156,700 | $916 |
| Bullitt County | 0.84% | $247,200 | $2,050 |
| Butler County | 0.5% | $111,100 | $645 |
| Caldwell County | 0.52% | $118,500 | $643 |
| Calloway County | 0.61% | $183,200 | $1,195 |
| Campbell County | 1.06% | $252,000 | $2,556 |
| Carlisle County | 0.51% | $120,400 | $945 |
| Carroll County | 0.62% | $140,900 | $1,070 |
| Carter County | 0.45% | $132,800 | $649 |
| Casey County | 0.54% | $136,300 | $812 |
| Christian County | 0.59% | $173,600 | $1,126 |
| Clark County | 0.75% | $205,800 | $1,451 |
| Clay County | 0.49% | $90,700 | $634 |
| Clinton County | 0.42% | $122,200 | $637 |
| Crittenden County | 0.47% | $127,300 | $731 |
| Cumberland County | 0.51% | $141,100 | $760 |
| Daviess County | 0.81% | $199,900 | $1,675 |
| Edmonson County | 0.51% | $160,300 | $881 |
| Elliott County | 0.5% | $123,500 | $755 |
| Estill County | 0.63% | $119,500 | $799 |
| Fayette County | 0.84% | $293,500 | $2,542 |
| Fleming County | 0.57% | $134,700 | $866 |
| Floyd County | 0.67% | $98,700 | $748 |
| Franklin County | 0.73% | $216,600 | $1,716 |
| Fulton County | 0.64% | $79,100 | $634 |
| Gallatin County | 0.71% | $178,200 | $1,476 |
| Garrard County | 0.59% | $204,900 | $1,422 |
| Grant County | 0.66% | $209,500 | $1,432 |
| Graves County | 0.58% | $147,800 | $970 |
| Grayson County | 0.5% | $164,600 | $930 |
| Green County | 0.17% | $125,000 | $817 |
| Greenup County | 0.94% | $134,000 | $1,171 |
| Hancock County | 0.66% | $141,200 | $930 |
| Hardin County | 0.63% | $225,800 | $1,480 |
| Harlan County | 0.74% | $73,700 | $732 |
| Harrison County | 0.5% | $202,100 | $1,328 |
| Hart County | 0.68% | $146,000 | $965 |
| Henderson County | 0.86% | $171,900 | $1,548 |
| Henry County | 0.73% | $197,900 | $1,611 |
| Hickman County | 0.55% | $115,700 | $779 |
| Hopkins County | 0.73% | $142,800 | $1,104 |
| Jackson County | 0.47% | $111,500 | $687 |
| Jefferson County | 0.85% | $248,400 | $2,136 |
| Jessamine County | 0.73% | $268,100 | $1,960 |
| Johnson County | 0.57% | $120,200 | $792 |
| Kenton County | 0.96% | $244,400 | $2,395 |
| Knott County | 0.51% | $77,000 | $571 |
| Knox County | 0.54% | $118,700 | $779 |
| Larue County | 0.58% | $183,500 | $1,104 |
| Laurel County | 0.49% | $159,500 | $906 |
| Lawrence County | 0.61% | $111,700 | $793 |
| Lee County | 0.76% | $83,900 | $705 |
| Leslie County | 0.67% | $69,000 | $563 |
| Letcher County | 0.67% | $67,400 | $648 |
| Lewis County | 0.5% | $96,000 | $617 |
| Lincoln County | 0.64% | $147,300 | $1,066 |
| Livingston County | 0.54% | $125,600 | $770 |
| Logan County | 0.65% | $164,900 | $1,010 |
| Lyon County | 0.57% | $189,500 | $1,196 |
| Madison County | 0.71% | $232,000 | $1,698 |
| Magoffin County | 0.4% | $89,000 | $694 |
| Marion County | 0.6% | $168,100 | $1,157 |
| Marshall County | 0.67% | $173,800 | $1,252 |
| Martin County | 0.56% | $86,900 | $716 |
| Mason County | 0.64% | $161,500 | $1,055 |
| McCracken County | 0.79% | $188,100 | $1,410 |
| McCreary County | 0.47% | $85,300 | $554 |
| McLean County | 0.66% | $148,500 | $954 |
| Meade County | 0.66% | $207,900 | $1,408 |
| Menifee County | 0.45% | $125,800 | $644 |
| Mercer County | 0.72% | $202,300 | $1,672 |
| Metcalfe County | 0.51% | $110,200 | $743 |
| Monroe County | 0.56% | $115,900 | $891 |
| Montgomery County | 0.75% | $172,200 | $1,265 |
| Morgan County | 0.54% | $118,200 | $780 |
| Muhlenberg County | 0.59% | $127,400 | $790 |
| Nelson County | 0.74% | $238,000 | $1,891 |
| Nicholas County | 0.51% | $123,000 | $729 |
| Ohio County | 0.58% | $121,400 | $753 |
| Oldham County | 0.92% | $393,100 | $3,519 |
| Owen County | 0.64% | $168,700 | $1,220 |
| Owsley County | 0.58% | $80,100 | $570 |
| Pendleton County | 0.65% | $159,800 | $1,275 |
| Perry County | 0.6% | $91,800 | $643 |
| Pike County | 0.64% | $112,000 | $772 |
| Powell County | 0.5% | $141,100 | $875 |
| Pulaski County | 0.5% | $166,900 | $1,057 |
| Robertson County | 0.39% | $165,100 | $893 |
| Rockcastle County | 0.49% | $123,600 | $596 |
| Rowan County | 0.56% | $161,800 | $885 |
| Russell County | 0.5% | $163,200 | $929 |
| Scott County | 0.62% | $288,500 | $1,908 |
| Shelby County | 0.73% | $304,800 | $2,339 |
| Simpson County | 0.61% | $229,400 | $1,371 |
| Spencer County | 0.65% | $330,000 | $2,188 |
| Taylor County | 0.61% | $174,200 | $1,202 |
| Todd County | 0.55% | $166,700 | $909 |
| Trigg County | 0.63% | $207,700 | $1,162 |
| Trimble County | 0.56% | $172,000 | $1,139 |
| Union County | 0.8% | $104,500 | $927 |
| Warren County | 0.62% | $258,000 | $1,668 |
| Washington County | 0.58% | $179,200 | $1,174 |
| Wayne County | 0.5% | $135,700 | $758 |
| Webster County | 0.68% | $112,900 | $993 |
| Whitley County | 0.57% | $131,800 | $849 |
| Wolfe County | 0.37% | $75,800 | $414 |
| Woodford County | 0.67% | $299,700 | $2,108 |