ROI Math

Property tax estimate

Kentucky Property Tax Calculator

Estimate annual and monthly property taxes in Kentuckyusing the state's 2024 average effective rate of 0.74% for owner-occupied housing. Enter a home value below to see an instant baseline estimate — free and with no sign-up.

Data updated 2026-06-14 · 2020–2024 ACS 5-year estimates

Kentucky Property Tax Calculator
2024 owner-occupied benchmark: 0.74%.
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Kentucky combines state and local property tax rates, with a homestead exemption for older and disabled homeowners.
Annual estimate
$3,700
Monthly estimate
$308

How to calculate property taxes in Kentucky

To estimate property taxes in Kentucky, multiply the home value by the local property tax rate. This page applies the state average effective owner-occupied rate of 0.74%, so a home valued at $500,000 produces a baseline annual estimate of $3,700.

Kentucky combines state and local property tax rates, with a homestead exemption for older and disabled homeowners.

Actual tax bills can include county, city, school district, property classification, exemption, and assessment rules, so investors should verify the final number with the local assessor before closing.

Comparing returns across markets? Use the cap rate calculator and cash-on-cash return calculator, which let you include property taxes as an operating expense.

Kentucky property tax FAQ

What is the average property tax rate in Kentucky?

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The 2024 ACS average effective property tax rate for owner-occupied housing in Kentucky is about 0.74%, which is below the U.S. benchmark of roughly 0.94%. Your local rate may differ by county, city, property classification, and exemptions.

How much is property tax on a $400,000 home in Kentucky?

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Using Kentucky's 2024 owner-occupied benchmark of 0.74%, a $400,000 home produces a baseline estimate of $2,960 per year, or roughly $247 per month. Actual bills vary with local rates, property classification, and exemptions.

How do I calculate property tax in Kentucky?

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Multiply your home's value by the applicable local effective property tax rate. This calculator applies Kentucky's 2024 owner-occupied benchmark of 0.74%, but you should confirm the exact county, city, school district, property classification, and exemptions with your local assessor.

Property tax calculators for other states

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This estimate uses Kentucky's average effective property tax rate for owner-occupied housing and is for educational purposes only — not tax advice. Rental and commercial property may be taxed differently. Confirm your exact rate, classification, and exemptions with your local assessor.