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Updated 2025 Tax Year

Grant County
Property Tax Guide

Everything you need to know about property taxes in Grant 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
Varies by location due to different taxing districts (school, fire, library districts)
Exemptions
4+ Available
Section 1

How Property Tax Works

Grant County, Kentucky operates under the state's property tax system to fund essential local services including public schools, fire protection, libraries, and general county operations. Property taxes are administered by the Grant County Property Valuation Administrator (PVA) for assessment purposes and collected by the Grant County Sheriff's Office. The county follows Kentucky's assessment system where real property is assessed at 100% of fair cash value as of January 1st each year.

The effective property tax rate in Grant County varies by location within the county due to different combinations of special taxing districts such as school districts, fire districts, library districts, and other local service areas. Property owners should expect their actual tax rate to differ based on which special districts serve their specific property location. The county reassesses all real property annually, though the assessment process follows a rotating schedule where different types of properties are physically inspected in different years.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
Total Combined Rate0.467%FY 2025-2026 rate for tangible personal property
State RateVariesCommonwealth of Kentucky levy
County GeneralVariesGrant County operations and services
School DistrictVariesLocal school district funding
Library DistrictVariesGrant County Public Library (where applicable)
Fire DistrictVariesLocal fire protection services (where applicable)
Other Special DistrictsVariesAdditional local service districts

Note: The 0.467% rate shown applies specifically to motor vehicle property tax for 2025. Real property tax rates are calculated as a combination of multiple taxing district levies and will vary by property location within Grant County. Property owners should contact the Grant County PVA at (859) 824-3321 for their specific combined tax rate based on their property's location and applicable special districts.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Grant 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 Grant County are additional property tax bills issued when there are changes in property ownership, new construction, or previously omitted assessments discovered after the regular tax roll has been completed. These situations trigger a recalculation of the property tax obligation based on the current assessed value and applicable tax rates. Common triggers include property sales that reveal higher market values, completion of new construction or major improvements, and corrections to previous assessment errors.

Supplemental tax bills are calculated using the same tax rates as regular property taxes but are prorated based on the effective date of the change. For example, if a newly constructed addition is completed on July 1st, the supplemental tax would cover July 1st through December 31st of that tax year. Important: Supplemental and omitted tax bills are due immediately upon preparation and taxpayers have only 30 days to pay without incurring penalties and interest, unlike regular property tax bills which have longer payment periods.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Homestead Exemption Applied: -$49,100 (if eligible and applied for)
  • Net Taxable Value: $250,900
  • Annual Tax (at 0.75% estimated rate): $1,882
  • Monthly Escrow: ~$157

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Homestead Exemption Applied: -$49,100 (if eligible and applied for)
  • Net Taxable Value: $550,900
  • Annual Tax (at 0.75% estimated rate): $4,132
  • Monthly Escrow: ~$344

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Homestead Exemption Applied: -$49,100 (if eligible and applied for)
  • Net Taxable Value: $950,900
  • Annual Tax (at 0.75% estimated rate): $7,132
  • Monthly Escrow: ~$594

Note: The homestead exemption of $49,100 for assessment years 2025-2026 requires a separate application and is not automatic. Actual tax rates vary by location within Grant County based on special taxing districts. Contact the Grant County PVA for your specific tax rate.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Grant County require property tax escrow accounts for borrowers with less than 20% down payment, though some lenders require escrow regardless of down payment amount. The lender collects monthly escrow payments equal to 1/12th of the estimated annual property tax bill, plus additional amounts to maintain a cushion as required by federal regulations. Lenders typically collect 2-3 months of additional taxes at closing to establish the escrow account.

Property tax payments from escrow accounts are made directly by the lender to the Grant County Sheriff's Office according to the county's payment schedule. Lenders usually pay the full annual amount by the August 2nd deadline rather than making installment payments. Property owners should verify that their lender has made timely payments, as the property owner remains ultimately responsible for the taxes even when paid through escrow. The Grant County Sheriff's Office can confirm payment status, and lenders must provide annual escrow account statements showing tax payments made on the borrower's behalf.

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Section 6

Frequently Asked Questions

Q: When are Grant County property taxes due for FY 2025-2026? A: The first installment is due by April 30th. Full payment deadline is August 2nd. After November 1st, taxes are payable at face value without penalties from the previous year.

Q: What tax credits are available and do I need to apply? A: The primary credit is the homestead exemption worth $49,100 for 2025-2026, which reduces your assessed value. This requires a separate application to the Grant County PVA and is not automatic. Additional credits may be available for seniors (65+) or disabled property owners.

Q: How does the homestead credit work? A: The homestead exemption reduces your home's assessed value by $49,100, not your tax bill directly. For example, a $300,000 home would be taxed on only $250,900 after the exemption. You must apply for this credit - it's not automatic.

Q: How often are properties reassessed in Grant County? A: Kentucky law requires annual assessment of all real property at 100% of fair cash value as of January 1st. However, physical inspections follow a rotating schedule with different property types inspected in different years.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Grant County PVA by May 15th following the assessment. If not resolved, appeals can be taken to the Kentucky Board of Tax Appeals and then to Grant County Circuit Court.

Q: What are the penalties for late payment? A: Penalties and interest begin accruing after the due dates. Contact the Grant County Sheriff's Office at (859) 824-3385 for current penalty rates and payment options.

Q: Can I pay my property taxes online? A: Contact the Grant County Sheriff's Office at (859) 824-3385 to inquire about online payment options and accepted payment methods.

Q: Why is my tax rate different from my neighbor's? A: Tax rates vary within Grant County based on special taxing districts like school districts, fire districts, and library districts that serve your specific property location. Two properties in different districts will have different combined tax rates.

Q: What triggers a supplemental tax bill? A: Property sales, new construction completion, major improvements, or discovery of previously omitted assessments can trigger supplemental bills. These are due within 30 days of preparation.

Q: Where can I get help with property tax questions? A: Contact the Grant County PVA at (859) 824-3321 for assessment and exemption questions, or the Grant County Sheriff's Office at (859) 824-3385 for payment and collection questions.

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
Tax Doc
2025 PERSONAL PROPERTY TAX FORMS AND ...revenue.ky.gov
04
County
Grant County Property Taxesnacdashboard.nara.gov
05
Tax Doc
Delinquent Taxesgrantcountyclerk.ky.gov
06
Tax Doc
The Collection Process for Property Tax Billsrevenue.ky.gov
07
Homestead Exemption - Department of Revenue - Kentucky.govrevenue.ky.gov
08
Tax Doc
Property Tax Exemptions - Department of Revenuerevenue.ky.gov
09
GUIDELINESFORADMINISTERI...revenue.ky.gov
10
Tax Doc
Property Tax Duties of the Sheriff's Office Prepared by The ...revenue.ky.gov
All sources verified as of 2025 Tax Year

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