Property Tax in Kentucky
Homeowners in Kentucky paid a median of $1,611 in real estate taxes in 2024 on a median home value of $226,000 — an effective rate of 0.71%, below the U.S. rate of 0.89%.
Calculate Kentucky property tax for your home
Estimated property tax on homes in Kentucky
Applying the statewide effective rate of 0.713% to different home values. The last column compares with the same home at the U.S. effective rate.
| Home value | Annual tax | Monthly | vs U.S. rate |
|---|---|---|---|
| $150,000 | $1,070 | $89.13 | −$266 |
| $226,000 (state median) | $1,611 | $134.28 | −$400 |
| $250,000 | $1,782 | $148.54 | −$442 |
| $350,000 | $2,496 | $207.96 | −$620 |
| $500,000 | $3,565 | $297.08 | −$885 |
| $750,000 | $5,348 | $445.63 | −$1,328 |
What it adds to a mortgage payment
On a home at the Kentucky median value of about $226,000, with 10% down and a 30-year loan at an example rate of 6.5%, principal and interest come to $1,285.63 a month and property tax adds $134.28 — about 9% of the combined payment, before insurance. Open this scenario in the mortgage calculator to add insurance, PMI and HOA dues.
How Kentucky compares
Kentucky has the 30th-highest effective rate among the 50 states and DC. Its median bill is higher than in 7 other states and lower than in 43. States with the most similar effective rates: Virginia (0.71%), California (0.71%), Montana (0.69%), Indiana (0.74%).
Why your bill may differ
This is a statewide figure. Rates in Kentucky vary by county, city and school district, and your bill depends on your home’s assessed value and any exemptions you qualify for, such as a homestead exemption. Your county assessor or tax collector can give you the exact rate and assessment for a property. When buying, ask how the home will be reassessed after the sale rather than relying on the seller’s current bill.
About this data
Effective rate = median real estate taxes paid ÷ median value of owner-occupied housing units, from the U.S. Census Bureau’s American Community Survey 2024 1-year estimates (tables B25103 and B25077). These are survey estimates with margins of error, and median taxes are top-coded at $10,000. Read more in property taxes explained.