HonestCasa logoHonestCasa
Updated 2025 Tax Year

Fleming County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
Approximately 5% combined rate (varies by taxing district location within Fleming County)
Exemptions
4+ Available
Section 1

How Property Tax Works

Fleming County, Kentucky operates on a property tax system that serves as the primary funding mechanism for essential local services including schools, county government operations, emergency services, and infrastructure maintenance. Property owners in Fleming County pay taxes based on their property's assessed value multiplied by the applicable tax rate, which varies depending on the specific taxing districts where the property is located within the county.

The Fleming County property tax rate for the current assessment period is approximately 5%, though this represents a combined rate that includes contributions to various local taxing authorities. Property owners should note that actual tax rates can vary significantly based on location within Fleming County due to special taxing districts such as school districts, fire districts, and other municipal service areas. The Fleming County Sheriff's Office serves as the official tax collector for the county, administering the collection process and discount schedules for property owners.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
County General FundVariableBasic county services and operations
School DistrictVariableLocal school funding (varies by district)
State TaxVariableKentucky state property tax portion
Special DistrictsVariableFire districts, library districts, other local services
Combined Rate~5.0%Total effective rate (varies by location)

Note: These rates apply to the current tax year and may vary by specific location within Fleming County due to different combinations of special taxing districts. Property owners should verify their exact rate based on their property's specific taxing district combination. The fiscal court has not yet set final rates for the 2025-2026 tax year.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Fleming 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 property taxes in Fleming County are additional tax assessments that occur when there are changes to a property's ownership, value, or use after the standard January 1 assessment date. Common triggers include new construction completion, property ownership transfers, or significant improvements that increase the property's assessed value mid-year.

Supplemental taxes are calculated by applying the current tax rate to the difference between the old and new assessed values, prorated for the remaining months in the tax year. For example, if a $100,000 home improvement is completed in July, the supplemental tax would be calculated on that $100,000 increase, applied for the remaining 6 months of the tax year at the applicable 5% rate, resulting in approximately $250 in supplemental taxes ($100,000 × 0.05 × 6/12 months).

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Less: Homestead Credit (if applicable): -$49,100
  • Net Taxable Value: $250,900
  • Annual Tax: $250,900 × 5% = $12,545
  • Monthly Escrow: ~$1,045

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Less: Homestead Credit (if applicable): -$49,100
  • Net Taxable Value: $550,900
  • Annual Tax: $550,900 × 5% = $27,545
  • Monthly Escrow: ~$2,295

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Less: Homestead Credit (if applicable): -$49,100
  • Net Taxable Value: $950,900
  • Annual Tax: $950,900 × 5% = $47,545
  • Monthly Escrow: ~$3,962

Note: Homestead credits require application and are not automatically applied. Actual rates may vary based on specific taxing district location within Fleming County.

See How Taxes Affect Your Payment

Property taxes are just part of your total monthly cost. Get the full picture.

Calculate Now
Section 5

Escrow & Property Taxes

Most Fleming County property owners with mortgages have their property taxes collected through an escrow account managed by their mortgage lender. Lenders typically collect 1/12 of the estimated annual property tax amount each month along with the mortgage payment, then pay the taxes directly to the Fleming County Sheriff's Office when due.

Property owners should verify that their lender is aware of the Fleming County payment schedule, which offers a 2% discount for payments made between October 1 and November 1, with face amount due from November 2 through December 31. Escrow account holders can request their lender to time payments to capture the early payment discount. Property owners should review their annual escrow analysis statement and can contact the Fleming County Sheriff's Office to verify that tax payments have been received and properly credited to their account.

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 Fleming County property taxes due for the current tax year? A: Property taxes are due November 1st with a 2% early payment discount available from October 1-November 1. Face amount is due November 2-December 31. Personal property taxes are due by May 15.

Q: What homestead tax credits are available and how do I apply? A: Fleming County offers a homestead credit of $49,100 for the 2025-2026 assessment years. This credit reduces your assessed value and requires application - it is not automatic. Contact the Fleming County Property Valuation Administrator (PVA) office to apply.

Q: Is there a senior citizen tax credit available? A: Kentucky Constitution Section 170 authorizes homestead credits for property owners aged 65 or older, or those determined to be disabled. Application is required through the Fleming County PVA office.

Q: How does the homestead credit work? A: The homestead credit reduces your property's assessed value by $49,100, not your tax bill directly. It may also include provisions that limit annual assessment increases. You must apply for this credit - it's not automatically granted.

Q: When can I appeal my property assessment? A: Property assessment appeals can be made during the public inspection period, which runs for 13 days beginning the first Monday in May (6 days per week, including Saturday). Contact the Fleming County PVA office during this period.

Q: What are the penalties for late payment? A: Penalties for delinquent taxes begin January 31st following the tax year. Contact the Fleming County Sheriff's Office for specific penalty rates and collection procedures.

Q: Can I pay my Fleming County property taxes online? A: Contact the Fleming County Sheriff's Office at their tax collection department to inquire about online payment options and accepted payment methods.

Q: Why might my tax rate differ from my neighbor's? A: Tax rates vary within Fleming County based on the specific combination of taxing districts where your property is located, including school districts, fire districts, and other special service areas.

Q: When are properties assessed in Fleming County? A: All property is assessed as of January 1st each year. Real estate listing period runs January 1-March 1, while personal property must be listed by May 15.

Q: Do I need to reapply for tax credits each year? A: Most tax credits require initial application, but renewal requirements vary. Contact the Fleming County PVA office to confirm whether your specific credits need annual renewal or remain in effect once approved.

See the Full Picture of Your Home Costs

Property taxes are just one piece of homeownership. HonestCasa helps you understand your total monthly cost and explore safe ways to access your home equity.

Total Monthly Cost

Mortgage + taxes + insurance + HOA

Equity Growth

Track how your equity grows over time

Safe Equity Access

Options for projects or debt payoff

Free • No credit check • 2-minute estimate