Kentucky Property Tax
Kentucky Property Tax Calculator
Estimate Kentucky property taxes, compare county effective rates, and see how taxes show up in a monthly mortgage payment. 2026 planning data — not an official tax bill.
Estimated effective state rate
0.74%
Sample tax on a $400,000 home
$2,960
Vs U.S. benchmark (0.90%)
−$640
Counties in this dataset
120
In the current NMC dataset, Kentucky has an estimated effective property-tax rate of 0.74%, resulting in approximately $2,960 in annual property taxes on a $400,000 home.
How property taxes work in Kentucky
Kentucky property taxes are levied locally — typically a stack of county, municipal, school, and special-district rates applied to assessed value after any exemptions. The 0.74% figure on this page is an ACS effective rate (taxes paid ÷ owner-occupied home value), which is useful for comparing counties and modeling PITI. It is not the millage printed on a specific parcel's bill.
For millage, exemption filings, or an official estimate, use Kentucky Department of Revenue.
Estimate Kentucky taxes in the calculatorKentucky county property tax comparison
Median owner-occupied home value and median real-estate tax paid (ACS), with the county effective rate used in our calculator. Showing the 30 largest counties by owner-occupied households; every county is listed below.
| County | Median home value | Median annual tax | Effective rate |
|---|---|---|---|
| Jefferson County | $248,400 | $2,136 | 0.86% |
| Fayette County | $293,500 | $2,542 | 0.87% |
| Kenton County | $244,400 | $2,395 | 0.98% |
| Boone County | $277,300 | $2,372 | 0.86% |
| Warren County | $258,000 | $1,668 | 0.65% |
| Daviess County | $199,900 | $1,675 | 0.84% |
| Hardin County | $225,800 | $1,480 | 0.66% |
| Campbell County | $252,000 | $2,556 | 1.01% |
| Bullitt County | $247,200 | $2,050 | 0.83% |
| Madison County | $232,000 | $1,698 | 0.73% |
| Oldham County | $393,100 | $3,519 | 0.90% |
| McCracken County | $188,100 | $1,410 | 0.75% |
| Pulaski County | $166,900 | $1,057 | 0.63% |
| Pike County | $112,000 | $772 | 0.69% |
| Laurel County | $159,500 | $906 | 0.57% |
| Scott County | $288,500 | $1,908 | 0.66% |
| Nelson County | $238,000 | $1,891 | 0.79% |
| Franklin County | $216,600 | $1,716 | 0.79% |
| Shelby County | $304,800 | $2,339 | 0.77% |
| Boyd County | $130,700 | $1,156 | 0.88% |
| Jessamine County | $268,100 | $1,960 | 0.73% |
| Hopkins County | $142,800 | $1,104 | 0.77% |
| Christian County | $173,600 | $1,126 | 0.65% |
| Henderson County | $171,900 | $1,548 | 0.90% |
| Greenup County | $134,000 | $1,171 | 0.87% |
| Barren County | $178,000 | $1,212 | 0.68% |
| Marshall County | $173,800 | $1,252 | 0.72% |
| Graves County | $147,800 | $970 | 0.66% |
| Clark County | $205,800 | $1,451 | 0.71% |
| Floyd County | $98,700 | $748 | 0.76% |
Kentucky county directory
Highest property tax rates in Kentucky
Among counties currently in the NMC dataset for this state.
- 1. Campbell County1.01%
- 2. Harlan County0.99%
- 3. Kenton County0.98%
- 4. Letcher County0.96%
- 5. Bracken County0.92%
Lowest property tax rates in Kentucky
Among counties currently in the NMC dataset for this state.
- 1. Rockcastle County0.48%
- 2. Carter County0.49%
- 3. Menifee County0.51%
- 4. Clinton County0.52%
- 5. Allen County0.54%
Adair County
Estimated effective rate: 0.64%
Allen County
Estimated effective rate: 0.54%
Anderson County
Estimated effective rate: 0.75%
Ballard County
Estimated effective rate: 0.73%
Barren County
Estimated effective rate: 0.68%
Bath County
Estimated effective rate: 0.65%
Bell County
Estimated effective rate: 0.81%
Boone County
Estimated effective rate: 0.86%
Bourbon County
Estimated effective rate: 0.71%
Boyd County
Estimated effective rate: 0.88%
Boyle County
Estimated effective rate: 0.82%
Bracken County
Estimated effective rate: 0.92%
Breathitt County
Estimated effective rate: 0.73%
Breckinridge County
Estimated effective rate: 0.58%
Bullitt County
Estimated effective rate: 0.83%
Butler County
Estimated effective rate: 0.58%
Caldwell County
Estimated effective rate: 0.54%
Calloway County
Estimated effective rate: 0.65%
Campbell County
Estimated effective rate: 1.01%
Carlisle County
Estimated effective rate: 0.78%
Carroll County
Estimated effective rate: 0.76%
Carter County
Estimated effective rate: 0.49%
Casey County
Estimated effective rate: 0.60%
Christian County
Estimated effective rate: 0.65%
Clark County
Estimated effective rate: 0.71%
Clay County
Estimated effective rate: 0.70%
Clinton County
Estimated effective rate: 0.52%
Crittenden County
Estimated effective rate: 0.57%
Cumberland County
Estimated effective rate: 0.54%
Daviess County
Estimated effective rate: 0.84%
Edmonson County
Estimated effective rate: 0.55%
Elliott County
Estimated effective rate: 0.61%
Estill County
Estimated effective rate: 0.67%
Fayette County
Estimated effective rate: 0.87%
Fleming County
Estimated effective rate: 0.64%
Floyd County
Estimated effective rate: 0.76%
Franklin County
Estimated effective rate: 0.79%
Fulton County
Estimated effective rate: 0.80%
Gallatin County
Estimated effective rate: 0.83%
Garrard County
Estimated effective rate: 0.69%
Grant County
Estimated effective rate: 0.68%
Graves County
Estimated effective rate: 0.66%
Grayson County
Estimated effective rate: 0.57%
Green County
Estimated effective rate: 0.65%
Greenup County
Estimated effective rate: 0.87%
Hancock County
Estimated effective rate: 0.66%
Hardin County
Estimated effective rate: 0.66%
Harlan County
Estimated effective rate: 0.99%
Harrison County
Estimated effective rate: 0.66%
Hart County
Estimated effective rate: 0.66%
Henderson County
Estimated effective rate: 0.90%
Henry County
Estimated effective rate: 0.81%
Hickman County
Estimated effective rate: 0.67%
Hopkins County
Estimated effective rate: 0.77%
Jackson County
Estimated effective rate: 0.62%
Jefferson County
Estimated effective rate: 0.86%
Jessamine County
Estimated effective rate: 0.73%
Johnson County
Estimated effective rate: 0.66%
Kenton County
Estimated effective rate: 0.98%
Knott County
Estimated effective rate: 0.74%
Knox County
Estimated effective rate: 0.66%
Larue County
Estimated effective rate: 0.60%
Laurel County
Estimated effective rate: 0.57%
Lawrence County
Estimated effective rate: 0.71%
Lee County
Estimated effective rate: 0.84%
Leslie County
Estimated effective rate: 0.82%
Letcher County
Estimated effective rate: 0.96%
Lewis County
Estimated effective rate: 0.64%
Lincoln County
Estimated effective rate: 0.72%
Livingston County
Estimated effective rate: 0.61%
Logan County
Estimated effective rate: 0.61%
Lyon County
Estimated effective rate: 0.63%
Madison County
Estimated effective rate: 0.73%
Magoffin County
Estimated effective rate: 0.78%
Marion County
Estimated effective rate: 0.69%
Marshall County
Estimated effective rate: 0.72%
Martin County
Estimated effective rate: 0.82%
Mason County
Estimated effective rate: 0.65%
McCracken County
Estimated effective rate: 0.75%
McCreary County
Estimated effective rate: 0.65%
McLean County
Estimated effective rate: 0.64%
Meade County
Estimated effective rate: 0.68%
Menifee County
Estimated effective rate: 0.51%
Mercer County
Estimated effective rate: 0.83%
Metcalfe County
Estimated effective rate: 0.67%
Monroe County
Estimated effective rate: 0.77%
Montgomery County
Estimated effective rate: 0.73%
Morgan County
Estimated effective rate: 0.66%
Muhlenberg County
Estimated effective rate: 0.62%
Nelson County
Estimated effective rate: 0.79%
Nicholas County
Estimated effective rate: 0.59%
Ohio County
Estimated effective rate: 0.62%
Oldham County
Estimated effective rate: 0.90%
Owen County
Estimated effective rate: 0.72%
Owsley County
Estimated effective rate: 0.71%
Pendleton County
Estimated effective rate: 0.80%
Perry County
Estimated effective rate: 0.70%
Pike County
Estimated effective rate: 0.69%
Powell County
Estimated effective rate: 0.62%
Pulaski County
Estimated effective rate: 0.63%
Robertson County
Estimated effective rate: 0.54%
Rockcastle County
Estimated effective rate: 0.48%
Rowan County
Estimated effective rate: 0.55%
Russell County
Estimated effective rate: 0.57%
Scott County
Estimated effective rate: 0.66%
Shelby County
Estimated effective rate: 0.77%
Simpson County
Estimated effective rate: 0.60%
Spencer County
Estimated effective rate: 0.66%
Taylor County
Estimated effective rate: 0.69%
Todd County
Estimated effective rate: 0.55%
Trigg County
Estimated effective rate: 0.56%
Trimble County
Estimated effective rate: 0.66%
Union County
Estimated effective rate: 0.89%
Warren County
Estimated effective rate: 0.65%
Washington County
Estimated effective rate: 0.66%
Wayne County
Estimated effective rate: 0.56%
Webster County
Estimated effective rate: 0.88%
Whitley County
Estimated effective rate: 0.64%
Wolfe County
Estimated effective rate: 0.55%
Woodford County
Estimated effective rate: 0.70%
Related planning resources for Kentucky
FHA limit context in Kentucky
Most counties in this state follow the standard FHA floor framework.
FHA 1-unit floor $541,287 · ceiling $1,249,125. Property tax estimates on this page are separate from loan limits.
View Kentucky FHA loan limitsNeed the national view?
Return to the national Property Tax Calculator to compare across states and scenarios.
Methodology
Statewide effective rates use 2024 ACS owner-occupied data. County rates are median real-estate taxes paid divided by median owner-occupied home value (ACS 2020–2024 5-year). Last reviewed August 13, 2026. Estimates only — confirm with the local taxing authority.
On a $400,000 home, the U.S. benchmark used for comparison is 0.90% ($3,600 / year).