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Updated 2025 Tax Year

Jessamine County
Property Tax Guide

Everything you need to know about property taxes in Jessamine 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
0.678% base county rate, varies by fire district and special taxing jurisdictions
Exemptions
4+ Available
Section 1

How Property Tax Works

Jessamine County, Kentucky operates on a property tax system that funds essential local services including schools, fire protection, libraries, and county government operations. Property taxes are assessed annually based on the property's fair cash value as determined by the Property Valuation Administrator (PVA), with taxes levied each November and due the following May.

The effective tax rate in Jessamine County varies by location within the county due to different combinations of taxing districts. For the 2025 tax year, the base county-wide rate is approximately 0.678%, but property owners may pay additional rates depending on their specific fire district, library district, or other special taxing jurisdictions. This means two similar properties in different areas of the county may have different total tax bills based on the special districts that serve their location.

Property assessments in Kentucky are conducted annually, with the assessed value typically representing 100% of fair cash value. Various tax credits are available to qualifying property owners, but these require separate applications and are not automatically applied to your tax bill.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
County General0.105%County government operations and services
County Road0.032%Road maintenance and infrastructure
School District0.678%Jessamine County Schools funding
Health Department0.015%Public health services
Extension Office0.002%Agricultural extension services
Fire Districts0.05-0.15%Varies by fire protection district
Library District0.025%Public library services (where applicable)

Rates shown are for FY 2025-2026 and represent typical ranges. Your actual total rate depends on which special taxing districts serve your property location. The combined rate typically ranges from 0.85% to 1.05% of assessed value depending on your specific address and applicable districts.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Jessamine 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 Jessamine County are additional property tax bills issued when there are changes to property ownership, value, or use during the tax year. The most common triggers include new construction completion, property transfers that remove exemptions, or corrections to the original assessment.

When supplemental taxes are issued, they are calculated based on the difference between the old and new assessed values, prorated for the portion of the tax year remaining. For example, if you complete a $100,000 home addition in July, you would receive a supplemental bill for the additional taxes on that $100,000 from July through the end of the tax year.

Supplemental tax bills are typically mailed within 60 days of the triggering event and become due 30 days after the bill date. These taxes are separate from your regular annual property tax bill and must be paid by the specified due date to avoid penalties and interest charges.

Example Calculation

Example 1: $300,000 Home with Homestead Credit

  • Assessed Value: $300,000
  • Homestead Credit Applied: -$49,100
  • Net Taxable Value: $250,900
  • Tax Rate: 0.90% (typical combined rate)
  • Annual Tax: $2,258
  • Monthly Escrow: $188

Example 2: $600,000 Home with Homestead Credit

  • Assessed Value: $600,000
  • Homestead Credit Applied: -$49,100
  • Net Taxable Value: $550,900
  • Tax Rate: 0.90%
  • Annual Tax: $4,958
  • Monthly Escrow: $413

Example 3: $1,000,000 Home with Homestead Credit

  • Assessed Value: $1,000,000
  • Homestead Credit Applied: -$49,100
  • Net Taxable Value: $950,900
  • Tax Rate: 0.90%
  • Annual Tax: $8,558
  • Monthly Escrow: $713

Note: Homestead credits require annual application and are available to property owners 65+ or those with qualifying disabilities. Credits shown are for the 2025-2026 assessment year and must be applied for separately.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Jessamine County require property tax escrow accounts for borrowers with less than 20% down payment. Your lender collects monthly escrow payments along with your mortgage payment, then pays your property taxes directly to the county when they become due in May.

Lenders typically collect escrow based on the previous year's tax bill plus a small cushion (usually 1-2 months of payments). Each year, your lender will conduct an escrow analysis to determine if your monthly payment needs adjustment based on actual tax bills and any changes in assessed value or tax rates.

You can verify that your taxes have been paid by checking with the Jessamine County Clerk's office or viewing your account online. If you pay off your mortgage or refinance, remember that you'll become responsible for paying property taxes directly. The county will mail tax bills to the property address, so ensure your mailing address is current with the PVA office.

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 Jessamine County? A: Property taxes for FY 2025-2026 are due May 15, 2025. Bills are typically mailed in November, with a discount period ending November 30th and face value due through May 15th.

Q: What tax credits are available and how do I apply? A: The Homestead Credit ($49,100 for 2025-2026) is available to property owners 65+ or with qualifying disabilities. Applications must be filed with the PVA office by December 31st annually and are NOT automatic.

Q: How does the Homestead Credit work? A: The Homestead Credit reduces your assessed value by $49,100, not your market value. It also caps annual assessment increases at 10% for qualifying properties. You must apply each year - it's not automatic even if you previously qualified.

Q: How often are properties reassessed? A: Kentucky conducts annual assessments, but significant revaluations typically occur every 4-6 years. You'll receive a Property Valuation Notice if your assessment changes significantly.

Q: How do I appeal my property assessment? A: File an appeal with the Local Board of Assessment Appeals by May 15th following the assessment year. Contact the PVA office for appeal forms and procedures.

Q: What are the penalties for late payment? A: A 10% penalty is added to unpaid taxes after May 15th, plus 12% annual interest. Properties become delinquent and subject to tax lien procedures if taxes remain unpaid.

Q: Can I pay my property taxes online? A: Yes, Jessamine County accepts online payments through their official website. Credit card and electronic check payments are typically accepted with associated processing fees.

Q: Why do my neighbors pay different tax rates? A: Tax rates vary within Jessamine County based on special taxing districts like fire districts and library districts. Properties in different areas may be served by different combinations of these districts, resulting in different total tax rates.

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
County
Jessamine County Schools - Live Feedjessamine.k12.ky.us
03
Tax Doc
COMMONWEALTH OF KENTUCKY PROPERTY TAX RATESrevenue.ky.gov
04
Tax Doc
2025 PERSONAL PROPERTY TAX FORMS AND ...revenue.ky.gov
05
County
How Do I? - Jessamine County, Kentuckyjessamineky.gov
06
Tax Doc
2024 personal property tax forms and instructions for ...revenue.ky.gov
07
Tax Doc
Property Tax Exemptions - Department of Revenuerevenue.ky.gov
08
Homestead Exemption - Department of Revenue - Kentucky.govrevenue.ky.gov
09
State
2019 Real Estate Exemption List. ...apps.legislature.ky.gov
10
Tax Doc
PROPERTY TAX RETURNSpsc.ky.gov
All sources verified as of 2025 Tax Year

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