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Updated 2025 Tax Year

Campbell County
Property Tax Guide

Everything you need to know about property taxes in Campbell County, KY. Rates, due dates, exemptions, and how it affects your monthly payment.

10 Official Sources
8 min read
Quick Facts
Tax Rate
Varies by district: Base county rate plus school district and municipal levies (typically ranges from 0.8% to 1.4% of assessed value)
1st Due
Nov 1
2nd Due
May 1
Exemptions
6+ Available
Section 1

How Property Tax Works

Campbell County, Kentucky operates under a property tax system that funds essential local services including schools, public safety, infrastructure, and county government operations. Property taxes are calculated based on the assessed value of real estate and personal property, with the county conducting assessments to determine fair market value. The effective tax rate varies throughout Campbell County due to different combinations of taxing districts, including the base county rate, school districts, and special service districts.

Property owners in Campbell County can expect their total property tax rate to vary depending on their specific location within the county. Different municipalities and special taxing districts within Campbell County maintain their own additional levies, meaning two similar properties in different areas may have different total tax obligations. The county uses these property tax revenues as a primary funding source for local government services, with the largest portions typically going toward education and essential county services.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
State Real Property Tax$0.106 per $100 assessed valueKentucky state levy on real property
Campbell County General$2.24 per $1,000 assessed valueCounty operations and services (FY 2025-2026)
Motor Vehicle Tax$0.45 per $100 assessed valueNon-historic vehicles
Motor Vehicle Tax (Historic)$0.25 per $100 assessed valueHistoric vehicles
School DistrictsVaries by districtLocal school funding (rates vary by location)
Municipal RatesVaries by cityAdditional city taxes where applicable
Special DistrictsVaries by districtFire protection, water districts, etc.

Note: These rates apply to the FY 2025-2026 levy year. Total effective rates vary significantly by location within Campbell County due to different combinations of school districts, municipalities, and special taxing districts. Contact the Campbell County Property Valuation Administrator for your specific district combination.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Campbell County, property taxes are due in two installments:

First Installment
Nov 1
Delinquent after Dec 10
Second Installment
May 1
Delinquent after Apr 10
Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental taxes in Campbell County are additional property tax bills issued when there are changes to property ownership, new construction, or previously omitted assessments discovered after the regular tax roll has been prepared. These taxes become due immediately upon preparation of the bill and taxpayers have only thirty days to pay without incurring penalties. Common triggers include property transfers that result in reassessment, completion of new construction or major improvements, and corrections to previously underassessed properties.

When supplemental taxes are issued, they are calculated based on the difference between the old assessed value and the new assessed value, prorated for the portion of the tax year affected. For example, if a property undergoes major renovations that increase its assessed value by $50,000 and the work is completed halfway through the tax year, the supplemental tax would be calculated on $50,000 of additional assessed value for six months of that tax year using the applicable tax rate for that property's location.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Less Homestead Exemption: -$49,100 (if qualified and applied for)
  • Net Taxable Value: $250,900
  • Annual Tax (at $2.24/$1,000 county rate): $562.02
  • Monthly Escrow: $46.84
  • Note: Does not include school district, municipal, or special district taxes

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Less Homestead Exemption: -$49,100 (if qualified and applied for)
  • Net Taxable Value: $550,900
  • Annual Tax (at $2.24/$1,000 county rate): $1,234.02
  • Monthly Escrow: $102.84
  • Note: Does not include school district, municipal, or special district taxes

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Less Homestead Exemption: -$49,100 (if qualified and applied for)
  • Net Taxable Value: $950,900
  • Annual Tax (at $2.24/$1,000 county rate): $2,130.02
  • Monthly Escrow: $177.50
  • Note: Does not include school district, municipal, or special district taxes

All examples show county tax only. Total tax bills will be significantly higher when school district and other local taxes are included. Homestead exemption requires application and is not automatic.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Campbell County require property tax escrow accounts for borrowers with less than 20% down payment, though some lenders may require escrow regardless of down payment amount. Your lender collects monthly escrow payments along with your mortgage payment, typically based on 1/12th of your estimated annual property tax bill plus a small cushion. The lender is responsible for paying your property taxes on time from these collected funds when bills become due.

Lenders typically analyze escrow accounts annually and may adjust your monthly payment if property taxes increase or decrease significantly. You should receive an annual escrow analysis statement showing how your funds were used and any adjustments to future payments. If you pay your own property taxes without escrow, remember that Campbell County property taxes are due by November 1st with a 2% discount, or by November 15th without discount, and you must request any extensions by November 15th postmark.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are Campbell County property taxes due for FY 2025-2026? A: Property taxes are due by November 1st with a 2% discount or by November 15th without discount. Extensions must be requested and postmarked by November 15th.

Q: What tax credits are available and do I need to apply? A: The primary tax benefit is the homestead exemption worth $49,100 for the 2025-2026 assessment years, which requires application and is not automatic. Contact the Campbell County Property Valuation Administrator for applications and other potential exemptions.

Q: How does the homestead exemption work? A: The homestead exemption reduces your assessed value by $49,100, not your market value. You must apply for this exemption - it is not automatic. This exemption applies only to your primary residence and you cannot claim exemptions in multiple states.

Q: How often are properties reassessed in Campbell County? A: Kentucky requires property assessments to be updated annually to reflect current market conditions. The Property Valuation Administrator conducts ongoing assessments throughout the year.

Q: What happens if I pay my property taxes late? A: Late payments incur penalties and interest. Supplemental tax bills must be paid within thirty days to avoid penalties. Contact the Campbell County Sheriff's office for specific penalty rates and collection procedures.

Q: Can I pay my property taxes online? A: Contact the Campbell County Sheriff's office directly for current online payment options and accepted payment methods.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Campbell County Property Valuation Administrator within specific deadlines. Contact their office for appeal forms and procedures.

Q: Why is my tax rate different from my neighbor's? A: Total tax rates vary by location within Campbell County due to different school districts, municipalities, and special taxing districts. Two properties may have different combinations of these taxing entities.

Q: What are special district taxes? A: Special districts may include fire protection districts, water districts, or other local service areas that levy additional taxes. Your specific property location determines which special districts apply to your tax bill.

Q: Where can I get help with property tax questions? A: Contact the Campbell County Property Valuation Administrator for assessment and exemption questions, or the Campbell County Sheriff's office for tax payment and collection questions.

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