Local costs · Kentucky

What a home costs across Kentucky

Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Kentucky, then every county with its own tax rate and insurance range.

Statewide facts

Home insurance average
About $1,359 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
Transfer & recording tax
Kentucky deed transfer tax: 0.10% of price — seller customarily paysOn the $226,000 state median home, the buyer’s customary share is about $0; the seller customarily covers about $226.
Title insurance
Kentucky uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
State income tax
Kentucky income tax is modeled at about 3.38% effective for a married household at $100,000 (3.38% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.

All 120 counties in Kentucky

Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.

CountyProperty taxInsurance / yr
Adair County0.64%$1,030–$2,290typical $1,580
Allen County0.54%$1,220–$2,710typical $1,870
Anderson County0.75%$980–$2,180typical $1,500
Ballard County0.73%$1,070–$2,380typical $1,640
Barren County0.68%$1,130–$2,520typical $1,740
Bath County0.66%$750–$1,670typical $1,150
Bell County0.81%$730–$1,620typical $1,120
Boone County0.85%$950–$2,120typical $1,460
Bourbon County0.71%$850–$1,900typical $1,310
Boyd County0.88%$660–$1,480typical $1,020
Boyle County0.83%$980–$2,190typical $1,510
Bracken County0.92%$900–$2,000typical $1,380
Breathitt County0.73%$710–$1,580typical $1,090
Breckinridge County0.58%$1,100–$2,450typical $1,690
Bullitt County0.83%$940–$2,100typical $1,450
Butler County0.58%$1,400–$3,120typical $2,150
Caldwell County0.54%$1,110–$2,470typical $1,700
Calloway County0.65%$910–$2,030typical $1,400
Campbell County1.01%$850–$1,900typical $1,310
Carlisle County0.78%$1,130–$2,520typical $1,740
Carroll County0.76%$980–$2,180typical $1,500
Carter County0.49%$660–$1,480typical $1,020
Casey County0.60%$960–$2,130typical $1,470
Christian County0.65%$960–$2,150typical $1,480
Clark County0.70%$870–$1,940typical $1,340
Clay County0.70%$990–$2,200typical $1,520
Clinton County0.52%$980–$2,180typical $1,500
Crittenden County0.57%$1,110–$2,480typical $1,710
Cumberland County0.54%$1,020–$2,280typical $1,570
Daviess County0.84%$870–$1,940typical $1,340
Edmonson County0.55%$1,480–$3,290typical $2,270
Elliott County0.61%$700–$1,550typical $1,070
Estill County0.67%$840–$1,870typical $1,290
Fayette County0.87%$810–$1,800typical $1,240
Fleming County0.64%$770–$1,730typical $1,190
Floyd County0.76%$660–$1,480typical $1,020
Franklin County0.79%$920–$2,060typical $1,420
Fulton County0.80%$1,100–$2,450typical $1,690
Gallatin County0.83%$970–$2,160typical $1,490
Garrard County0.69%$910–$2,030typical $1,400
Grant County0.68%$890–$1,990typical $1,370
Graves County0.66%$880–$1,970typical $1,360
Grayson County0.56%$1,200–$2,670typical $1,840
Green County0.65%$1,040–$2,320typical $1,600
Greenup County0.87%$660–$1,480typical $1,020
Hancock County0.66%$980–$2,180typical $1,500
Hardin County0.66%$840–$1,870typical $1,290
Harlan County0.99%$660–$1,480typical $1,020
Harrison County0.66%$830–$1,860typical $1,280
Hart County0.66%$1,250–$2,780typical $1,920
Henderson County0.90%$750–$1,680typical $1,160
Henry County0.81%$950–$2,120typical $1,460
Hickman County0.67%$1,110–$2,470typical $1,700
Hopkins County0.77%$1,050–$2,330typical $1,610
Jackson County0.62%$970–$2,160typical $1,490
Jefferson County0.86%$660–$1,480typical $1,020
Jessamine County0.73%$900–$2,000typical $1,380
Johnson County0.66%$660–$1,480typical $1,020
Kenton County0.98%$910–$2,030typical $1,400
Knott County0.74%$670–$1,490typical $1,030
Knox County0.66%$960–$2,130typical $1,470
Larue County0.60%$1,150–$2,570typical $1,770
Laurel County0.57%$1,050–$2,330typical $1,610
Lawrence County0.71%$660–$1,480typical $1,020
Lee County0.84%$870–$1,940typical $1,340
Leslie County0.82%$780–$1,740typical $1,200
Letcher County0.96%$660–$1,480typical $1,020
Lewis County0.64%$730–$1,620typical $1,120
Lincoln County0.72%$820–$1,830typical $1,260
Livingston County0.61%$1,040–$2,320typical $1,600
Logan County0.61%$1,050–$2,330typical $1,610
Lyon County0.63%$1,050–$2,330typical $1,610
Madison County0.73%$760–$1,700typical $1,170
Magoffin County0.78%$840–$1,870typical $1,290
Marion County0.69%$1,010–$2,250typical $1,550
Marshall County0.72%$1,000–$2,230typical $1,540
Martin County0.82%$740–$1,650typical $1,140
Mason County0.65%$810–$1,810typical $1,250
McCracken County0.75%$850–$1,900typical $1,310
McCreary County0.65%$990–$2,200typical $1,520
McLean County0.64%$1,110–$2,470typical $1,700
Meade County0.68%$1,000–$2,230typical $1,540
Menifee County0.51%$840–$1,870typical $1,290
Mercer County0.83%$970–$2,160typical $1,490
Metcalfe County0.67%$1,080–$2,410typical $1,660
Monroe County0.77%$1,090–$2,420typical $1,670
Montgomery County0.73%$700–$1,570typical $1,080
Morgan County0.66%$760–$1,700typical $1,170
Muhlenberg County0.62%$1,120–$2,490typical $1,720
Nelson County0.80%$850–$1,900typical $1,310
Nicholas County0.59%$790–$1,770typical $1,220
Ohio County0.62%$1,140–$2,540typical $1,750
Oldham County0.90%$950–$2,120typical $1,460
Owen County0.72%$960–$2,130typical $1,470
Owsley County0.71%$960–$2,150typical $1,480
Pendleton County0.80%$900–$2,000typical $1,380
Perry County0.70%$700–$1,550typical $1,070
Pike County0.69%$660–$1,480typical $1,020
Powell County0.62%$770–$1,730typical $1,190
Pulaski County0.63%$860–$1,910typical $1,320
Robertson County0.54%$880–$1,960typical $1,350
Rockcastle County0.48%$900–$2,000typical $1,380
Rowan County0.55%$660–$1,480typical $1,020
Russell County0.57%$960–$2,130typical $1,470
Scott County0.66%$850–$1,890typical $1,300
Shelby County0.77%$940–$2,100typical $1,450
Simpson County0.60%$1,130–$2,520typical $1,740
Spencer County0.66%$980–$2,180typical $1,500
Taylor County0.69%$1,030–$2,290typical $1,580
Todd County0.55%$1,240–$2,770typical $1,910
Trigg County0.56%$880–$1,970typical $1,360
Trimble County0.66%$960–$2,130typical $1,470
Union County0.89%$960–$2,130typical $1,470
Warren County0.65%$1,800–$4,020typical $2,770
Washington County0.66%$990–$2,200typical $1,520
Wayne County0.56%$920–$2,040typical $1,410
Webster County0.88%$1,100–$2,450typical $1,690
Whitley County0.64%$900–$2,020typical $1,390
Wolfe County0.55%$870–$1,940typical $1,340
Woodford County0.70%$940–$2,100typical $1,450

* Property-tax rate is approximate because the county’s Census median is top-coded.

How these numbers are built

Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.

Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.