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Updated 2025 Tax Year

Carlisle County
Property Tax Guide

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

10 Official Sources
8 min read
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Quick Facts
Tax Rate
Motor vehicle: 3% non-historic, 1.25% historic; Real estate varies by taxing district combination
Exemptions
4+ Available
Section 1

How Property Tax Works

Property taxes in Carlisle County, Kentucky are administered by the Kentucky Department of Revenue and collected locally to fund essential county services including schools, emergency services, road maintenance, and general government operations. The county operates under Kentucky's property tax system where real estate is assessed annually at fair market value, with taxes calculated based on rates set by various local taxing authorities.

Effective property tax rates in Carlisle County vary significantly depending on your specific location within the county due to different combinations of special taxing districts. For 2025, the base motor vehicle property tax rate is 3% for non-historic vehicles and 1.25% for historic vehicles. Real property rates include components from the county, school district, and any applicable special districts such as fire protection or library districts. Property owners should verify their specific rate combination as districts can overlap differently throughout the county.

Property taxes are a significant revenue source for local services, and understanding the assessment and payment process is crucial for all property owners in Carlisle County. The system requires active participation from taxpayers, as most tax credits and exemptions require annual applications and are not automatically applied.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
Motor Vehicle (Non-Historic)3.0%FY 2025 rate for standard motor vehicles
Motor Vehicle (Historic)1.25%FY 2025 rate for qualifying historic vehicles
Real Property Base RateVaries by DistrictCounty, school, and municipal rates combined
Special DistrictsVariesFire protection, library, extension districts

Note: Real property tax rates vary significantly by location within Carlisle County based on which special taxing districts apply to your property. The motor vehicle rates shown are county-wide for the 2025 tax year. Contact the Carlisle County Clerk's office for your specific real property tax rate combination, as districts such as fire protection and library services may add additional millage to your total rate.

Section 3

When Are Property Taxes Due?

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

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 Carlisle County are additional property tax assessments that occur when there are changes in property ownership, value, or classification outside the regular assessment cycle. These most commonly arise from new construction completing after the January 1st assessment date, property transfers that trigger reassessment, or corrections to previous assessments.

When a supplemental assessment is issued, it covers the period from the date of the triggering event through the end of the current tax year. For example, if you complete a home addition in July, you would receive a supplemental tax bill covering July through the following June for the increased assessed value. The supplemental tax is calculated by applying the current year's tax rate to the change in assessed value, then prorating it for the applicable time period.

Supplemental tax bills are typically mailed within 30-60 days of the triggering event and have their own due dates separate from regular property tax bills. Property owners should budget for potential supplemental taxes when making property improvements or purchasing recently improved properties.

Example Calculation

Example 1: $300,000 Property Value

  • Assessed Value: $300,000 (at 100% of fair market value)
  • Less: Homestead Credit Applied: -$42,200 (requires application)
  • Net Taxable Value: $257,800
  • Annual Tax (estimated 1.2% effective rate): $3,094
  • Monthly Escrow: $258

Example 2: $600,000 Property Value

  • Assessed Value: $600,000 (at 100% of fair market value)
  • Less: Homestead Credit Applied: -$42,200 (requires application)
  • Net Taxable Value: $557,800
  • Annual Tax (estimated 1.2% effective rate): $6,694
  • Monthly Escrow: $558

Example 3: $1,000,000 Property Value

  • Assessed Value: $1,000,000 (at 100% of fair market value)
  • Less: Homestead Credit Applied: -$42,200 (requires application)
  • Net Taxable Value: $957,800
  • Annual Tax (estimated 1.2% effective rate): $11,494
  • Monthly Escrow: $958

Note: These examples use estimated effective rates as actual rates vary by special district combinations. All tax credits require annual applications and are not automatically applied. Contact the Carlisle County PVA office for current credit amounts and application requirements.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Carlisle County require property tax escrow accounts for borrowers with less than 20% equity in their homes. Your lender collects 1/12th of your estimated annual property tax bill each month along with your mortgage payment, then pays your property taxes directly to the county when due on May 15th each year.

Lenders typically conduct annual escrow analyses to ensure adequate funds are being collected. If property taxes increase due to reassessment or rate changes, your monthly escrow payment may increase. Conversely, if you successfully apply for tax credits or if assessments decrease, you may receive an escrow refund or see reduced monthly payments. It's important to notify your lender of any tax credits you've applied for to ensure accurate escrow calculations.

Property owners with escrow accounts should still monitor their tax bills and assessment notices directly from the county. While your lender handles payment, you remain responsible for applying for any available tax credits, appealing assessments if necessary, and ensuring your lender has current contact information to receive tax bills and notices.

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 property taxes due in Carlisle County? A: Property taxes for FY 2025 are due May 15, 2025. A 2% discount is available if paid between September 15 and November 1 of the prior year.

Q: What tax credits are available and do I need to apply? A: The homestead exemption is the primary tax credit available to owner-occupied residential properties. This credit requires an annual application to the Property Valuation Administrator (PVA) office and is not automatically applied. Additional credits may be available for disabled veterans, elderly citizens, or disabled persons - all requiring separate applications.

Q: How does the homestead credit work? A: The homestead credit limits annual assessment increases rather than reducing market value. It caps the growth in your home's assessed value, helping provide property tax stability. You must apply annually with the PVA office, and the credit only applies to your primary residence.

Q: How often is property reassessed in Carlisle County? A: Real property in Kentucky is assessed annually as of January 1st each year. Assessment notices are typically mailed in the spring, and property owners have the right to appeal their assessment through the county Board of Assessment Appeals.

Q: What are the penalties for late property tax payments? A: Late payments are subject to penalties and interest charges. Contact the Carlisle County Clerk's office at the first sign of payment difficulty, as payment plans may be available in some circumstances.

Q: Can I pay property taxes online? A: Contact the Carlisle County Clerk's office directly to inquire about online payment options, as availability varies by county in Kentucky.

Q: Why did my property tax increase if I didn't make improvements? A: Property taxes can increase due to annual reassessment reflecting market value changes, increased tax rates set by local authorities, or expiration of previously applied tax credits. Additionally, you may be in a special taxing district that added services.

Q: How do special districts affect my property taxes? A: Special districts for services like fire protection, libraries, or extension services can add additional millage to your total tax rate. The specific combination of districts depends on your property's location within Carlisle County, which is why rates vary throughout the county.

Verified Sources

Backed by 10 Official Government Sources

Every fact in this guide is sourced from official county, state, and federal documents.

01
Tax Doc
Motor Vehicle Property Tax Rates 2025revenue.ky.gov
02
Tax Doc
COMMONWEALTH OF KENTUCKY PROPERTY TAX RATESrevenue.ky.gov
03
State
Federal and State Tax Parameter Workbook for ... - Census.govwww2.census.gov
04
Tax Doc
2025 PERSONAL PROPERTY TAX FORMS AND ...revenue.ky.gov
05
County
Delinquent Taxes - Carlisle County Clerk Kentuckycarlislecountyclerk.ky.gov
06
Tax Doc
The Collection Process for Property Tax Billsrevenue.ky.gov
07
State
2019 Real Estate Exemption List. ...apps.legislature.ky.gov
08
CHAPTER 151 ( HB 354, Rudy and others )apps.legislature.ky.gov
09
FHWA - Value Capture - Highlightsfhwa.dot.gov
10
Tax Doc
Property Tax Forms and Instructions for Public Service ...revenue.ky.gov
All sources verified as of 2025 Tax Year

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