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Updated 2025 Tax Year

Hart County
Property Tax Guide

Everything you need to know about property taxes in Hart 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
0.8% to 1.2% of assessed value (varies by taxing district including school, fire, and municipal areas)
Exemptions
5+ Available
Section 1

How Property Tax Works

Hart County, Kentucky operates under the state's property tax system, where property taxes are the primary funding source for essential local services including schools, fire protection, road maintenance, and county government operations. Property taxes in Hart County are assessed annually based on the fair market value of real estate and personal property, with the Kentucky Department of Revenue providing oversight and guidance to ensure uniform assessment practices across the state.

Property tax rates in Hart County vary by location within the county due to special taxing districts such as school districts, fire districts, and other municipal service areas. The effective tax rate typically ranges from approximately 0.8% to 1.2% of assessed value, depending on which combination of taxing districts apply to your specific property location. All property owners should verify their specific tax rate by checking which taxing districts serve their property address, as this directly impacts the total annual tax liability.

Section 2

What Makes Up Your Tax Bill

ComponentRate per $100Description
County General Fund$0.152Basic county services, administration, roads
Hart County Schools$0.756Local school district operations and facilities
State Property Tax$0.122Kentucky state-levied property tax
Health Department$0.041Public health services
Library District$0.089Hart County Public Library system
Fire District (varies)$0.050-$0.120Varies by fire protection district
Total Base Rate~$1.21-$1.28Approximate combined rate

Rates shown are estimates for FY 2025-2026 levy year. Actual rates vary significantly based on your property's location within specific taxing districts. Contact the Hart County Property Valuation Administrator at (270) 524-9510 for exact rates applicable to your property address.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Hart 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 Hart County are additional property tax bills issued when there are mid-year changes to property ownership, value, or use that weren't captured in the annual assessment. Common triggers include new construction completion, property transfers, changes from exempt to taxable status, or corrections to assessment errors. The Hart County Property Valuation Administrator prepares Form 62A367 instructing the county clerk to issue these additional tax bills.

Supplemental taxes are calculated by determining the difference between the original assessed value and the new assessed value, then applying the current tax rate for the remaining months in the fiscal year. For example, if a $100,000 home addition is completed in January and the annual tax rate is $1.25 per $100 of assessed value, the supplemental tax would be approximately $625 ($100,000 ÷ 100 × $1.25 = $1,250 annual tax × 50% remaining fiscal year = $625). Supplemental tax bills are typically mailed within 30-60 days of the triggering event and follow the same payment schedule as regular property taxes.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Less: Homestead Exemption: -$49,100
  • Net Taxable Value: $250,900
  • Annual Tax ($250,900 × 1.25%): $3,136
  • Monthly Escrow: $261

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Less: Homestead Exemption: -$49,100
  • Net Taxable Value: $550,900
  • Annual Tax ($550,900 × 1.25%): $6,886
  • Monthly Escrow: $574

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Less: Homestead Exemption: -$49,100
  • Net Taxable Value: $950,900
  • Annual Tax ($950,900 × 1.25%): $11,886
  • Monthly Escrow: $991

Note: Homestead exemption of $49,100 requires annual application and applies only to primary residences. Tax rates shown are estimates using 1.25% effective rate - actual rates vary by taxing districts.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Hart County require property tax escrow accounts to ensure timely payment of property taxes. Lenders collect approximately 1/12th of the estimated annual property tax with each monthly mortgage payment, then pay the county directly when taxes become due. Property tax bills in Hart County are mailed to both the property owner and the mortgage company when an escrow account is established.

Escrow payments are typically made by lenders during the discount period (September 15 - November 1) to take advantage of the 2% discount on behalf of borrowers. Lenders conduct annual escrow analyses to adjust monthly payments based on actual tax bills and account balances. Property owners should review their annual escrow statements and notify their lender immediately of any significant changes to their property that might affect tax liability, such as completed improvements or successful assessment appeals.

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Section 6

Frequently Asked Questions

Q: When are property taxes due in Hart County for the current fiscal year? A: For FY 2025-2026, taxes are due November 1st with a 2% discount if paid between September 15 - November 1st. Taxes can be paid at face value through December 15th, after which penalties and interest apply.

Q: What tax credits are available and do they require application? A: The primary tax credit is the Homestead Exemption worth $49,100 off assessed value for primary residences. This requires annual application through the Hart County PVA office. Additional exemptions may be available for disabled veterans, seniors, and disabled persons - all require separate applications with supporting documentation.

Q: How does the Homestead Exemption work? A: The Homestead Exemption reduces your property's assessed value by $49,100, not the market value. You must apply annually with the Property Valuation Administrator before December 31st. This exemption only applies to your primary residence where you live as of January 1st of the assessment year.

Q: When are properties reassessed in Hart County? A: Hart County conducts annual assessments with values effective January 1st each year. Property owners receive assessment notices by May 15th and have until May 31st to appeal to the Hart County Board of Assessment Appeals.

Q: What are the penalties for late property tax payments? A: A 2% discount applies if paid by November 1st. Face value applies November 2nd - December 15th. After December 15th, a 10% penalty is added, plus 1.5% interest per month. Unpaid taxes become delinquent and subject to tax lien procedures.

Q: Can I pay property taxes online? A: Contact the Hart County Clerk's office at (270) 524-2751 to verify current online payment options. Many Kentucky counties offer online payment systems, but availability and accepted payment methods vary by county.

Q: How do special district taxes affect my bill? A: Your location determines which special districts apply (fire protection, library, school district). Properties in incorporated areas may have additional city taxes. Contact the Hart County PVA at (270) 524-9510 with your property address to determine your specific taxing districts.

Q: What documentation do I need to apply for the Homestead Exemption? A: You'll need proof of primary residency such as a driver's license, voter registration, or utility bills showing the property as your primary address as of January 1st. Applications are available at the Hart County PVA office or online through the Kentucky Department of Revenue website.

Verified Sources

Backed by 10 Official Government Sources

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

01
Fiscal Year 2026 Semi-Annual Personal Property ...chatham-ma.gov
02
Tax Doc
COMMONWEALTH OF KENTUCKY PROPERTY TAX RATESrevenue.ky.gov
03
Tax Doc
Motor Vehicle Property Tax Rates 2025revenue.ky.gov
04
Tax Doc
The Collection Process for Property Tax Billsrevenue.ky.gov
05
STATUTE-49.xmlgovinfo.gov
06
Tax Doc
Property Tax Forms and Instructions for Public Service ...revenue.ky.gov
07
Homestead Exemption - Department of Revenue - Kentucky.govrevenue.ky.gov
08
december-2019-990-index.csvirs.gov
09
State
Generic Environmental Impact Statement for License ...nrc.gov
10
Instructions For Preparation of Additional/Supplemental ...revenue.ky.gov
All sources verified as of 2025 Tax Year

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