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Updated 2025 Tax Year

Warren County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
0.5% to 0.8% of assessed value (varies by municipality and taxing districts)
Exemptions
5+ Available
Section 1

How Property Tax Works

Warren County, Kentucky operates under a property tax system that funds essential local services including schools, county government operations, libraries, and public health services. Property taxes in Warren County are based on assessed value, which is determined by the Property Valuation Administrator (PVA) and reassessed periodically to reflect current market conditions.

The effective tax rate in Warren County varies by location within the county due to different special taxing districts, but generally ranges from approximately 0.5% to 0.8% of assessed value depending on your specific municipality and applicable districts. The county uses a combination of state, county, city, library, and public health tax rates that are applied to your property's assessed value after any applicable tax credits are deducted. It's important to note that most tax credits require a formal application and are not automatically applied to your property tax bill.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $100 assessed value)Description
State Real Estate$0.106Kentucky state property tax
Warren County$0.14County government services
City Rate$0.203 - $0.26Varies by municipality within county
Library District$0.037Warren County Public Library system
Public HealthVariesLocal health department services

Rates shown are for FY 2025-2026 levy year. Actual total rates vary significantly based on your specific location within Warren County and applicable special taxing districts. City rates range from 20.30 cents to 26.00 cents per $100 of assessed value depending on your municipality. Contact the Warren County Clerk's office for exact rates applicable to your specific property address.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Warren 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 Warren County are additional property tax assessments that occur when there are mid-year changes to a property's assessed value. Common triggers include new construction completion, property improvements, ownership changes that remove previous 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 remaining portion of the tax year. For example, if you complete a $100,000 home addition in January and the improvement is assessed mid-year, you would owe supplemental taxes on that $100,000 increase in assessed value for the remaining months of the current tax year. The supplemental tax bill is typically issued separately from your regular annual property tax bill and has its own due date, usually 30 days from the issue date.

Example Calculation

Example 1: $300,000 Property Value

  • Assessed Value: $300,000
  • Homestead Credit Applied: -$49,100 (requires application)
  • Net Taxable Value: $250,900
  • Combined Tax Rate: ~0.60% (varies by district)
  • Annual Tax: ~$1,505
  • Monthly Escrow: ~$125

Example 2: $600,000 Property Value

  • Assessed Value: $600,000
  • Homestead Credit Applied: -$49,100 (requires application)
  • Net Taxable Value: $550,900
  • Combined Tax Rate: ~0.60% (varies by district)
  • Annual Tax: ~$3,305
  • Monthly Escrow: ~$275

Example 3: $1,000,000 Property Value

  • Assessed Value: $1,000,000
  • Homestead Credit Applied: -$49,100 (requires application)
  • Net Taxable Value: $950,900
  • Combined Tax Rate: ~0.60% (varies by district)
  • Annual Tax: ~$5,705
  • Monthly Escrow: ~$475

Note: Tax rates vary by specific location and applicable special districts. All tax credits require formal application and are not automatic.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Warren County require property tax escrow accounts for borrowers with less than 20% down payment or equity. Your lender collects 1/12 of your estimated annual property tax bill each month along with your mortgage payment, then pays the tax bill directly to Warren County when due in November.

Lenders typically review escrow accounts annually and may adjust your monthly payment based on actual tax bills and account balance. Since Warren County property taxes are due November 15th (or November 1st for a 2% discount), lenders usually pay the bill in early November. You should receive an annual escrow statement from your lender showing tax payments made on your behalf. It's important to verify that payments were made correctly and contact your lender immediately if you receive any delinquent tax notices, as this could indicate an escrow payment error.

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 Warren County property taxes due for FY 2025-2026? A: Property taxes are due November 15th. However, you can pay by November 1st to receive a 2% discount. The tax collection process begins in September.

Q: What is the Homestead Credit and how do I apply? A: The Homestead Credit for 2025-2026 is $49,100 deducted from your assessed value. This credit is NOT automatic and requires application using Revenue Form 62A023. Contact the Warren County PVA office for application materials and deadlines.

Q: Are there other tax credits available? A: Yes, Kentucky offers various tax credits for seniors, disabled veterans, disabled persons, and other qualifying circumstances. All credits require formal application and supporting documentation. Contact the Warren County PVA office to determine eligibility and obtain application forms.

Q: How often are properties reassessed? A: Kentucky law requires property reassessment at least every four years, though the PVA may conduct more frequent reviews. You have the right to appeal your assessment during the annual inspection period.

Q: What happens if I pay my taxes late? A: Late payments incur penalties and interest. After November 15th, unpaid taxes become delinquent and additional fees apply. Eventually, delinquent properties may be subject to tax sale.

Q: Can I pay my property taxes online? A: Contact the Warren County Clerk's office for current online payment options and accepted payment methods.

Q: Why do my neighbors pay different rates on similar properties? A: Tax rates vary based on your specific location within Warren County due to different municipal boundaries and special taxing districts (library, public health, city services).

Q: How do I appeal my property assessment? A: You can request a conference with the PVA during the tax roll inspection period. If unsatisfied, you have until the close of business the day following the last day of the inspection period to file a formal appeal.

Q: Do I need to reapply for tax credits annually? A: Most tax credits require initial application only, but some may require periodic renewal or notification of changed circumstances. Contact the PVA office to confirm requirements for your specific credits.

Q: What documentation do I need for tax credit applications? A: Requirements vary by credit type but typically include proof of ownership, residency, income documentation, or disability certifications. Complete applications must be submitted with all supporting documents using the appropriate Revenue forms.

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