Shelby County, KY Property Tax

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With an average tax rate of 0.84%, Shelby County, Kentucky, residents pay an average of $1,418 a year in property taxes. 
You’ve purchased your dream home, secured homeowners insurance, and squared away your mortgage agreement—now what? As a new homeowner, you’ll have to face the reality of property taxes each year. 
Property taxes vary by state, county, and municipality, so it can be hard to interpret your responsibility in what you’re required to pay. Lucky for you, home insurance broker Jerry has compiled information on property taxes in Shelby County, KY so that you don’t have to. 
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Property tax 101

If you’re a new homeowner and have never paid property taxes, here are the basics of what you need to know:
  • Property taxes are administered by the local government to pay for public projects and community services (think education, police, road work, etc.)
  • Your property taxes will be assigned by a local tax assessor, who looks at market values and local tax rates to determine what you have to pay 
  • Most property taxes apply to real property like buildings, land, and homes
  • Property taxes change frequently based on changes in market conditions and local budgets
Basically, property taxes create a stream of revenue for local governments from people who live in the community. 

What is the property tax rate in Shelby County?

Shelby County residents pay an average of 0.84% of their income in property taxes, which is more than the Kentucky state average of 0.72%. 
Based on that rate, you can expect to pay an average of $1,418 if you live in Shelby County.
You can search for your exact tax rate on the Shelby County Property Valuation website. 

How Shelby County property taxes are determined

Before assessing how much you pay in taxes, your Property Valuation Administrator (PVA) determines the market value of your home. The market value is how much your home would sell for in an open market under normal conditions. 
There are several exemptions in Shelby County that you can apply for if you qualify. 

Homestead Exemption 

Under the Homestead Exemption, taxpayers who are disabled or at least 65 can receive an exemption applied to their taxes before the final cost is determined. 

Agricultural Exemption 

If you have 10 contiguous acres of land used for the production of crops or livestock, you can apply for an Agricultural Exemption.
Key Takeaway You can apply for tax exemptions through the Shelby County Property Valuation Administrator (PVA) if you qualify. 

What do Shelby County property taxes pay for?

Shelby County uses your taxes to fund many public services and projects, including:
  • Roads
  • Libraries
  • Education
  • Law enforcement
  • Fire safety 
  • Regional sewer system 
  • Watershed management
  • Public health
  • Public housing
  • Mosquito control
Property taxes are a vital part of Kentucky’s revenue and make a difference in the Shelby County community every day. 

How to pay property taxes in Shelby County 

Shelby County property taxes are due in the fall, and there are several options for filing.
Remember that filing your property taxes past a certain date will result in a penalty on your bill. Here are Shelby County’s filing windows and the penalties that come with late filing:
  • October 1-November 1: A 2% discount is applied to your bill
  • November 2-December 31: Bill is paid at its face amount
  • January 1-January 31: A 5% penalty is added
  • February 1-April 15: A 21% penalty is added
You don’t want that hefty penalty on your bill. So make sure to file those taxes early! 
In Shelby County, you’ll typically need to file your taxes in-person or by mail. Here’s how.
  • In person: You can file your taxes in person by going to the Shelby County Sheriff’s office during office hours (Monday through Friday 8:30-4:30 pm) except holidays.
  • Through the mail: You can also mail your taxes to the Sheriff’s Office. Your bill must be paid in full; they won’t accept partial payments.  
Key Takeaway Shelby County has several filing windows for property taxes, but you’ll face penalties for late filing. 

How to save money on homeowners and car insurance in Kentucky 

Property taxes can be complicated—but that doesn’t mean your insurance has to be! Jerry can help you compare quotes from up to 50 top insurance companies to find the best rates. Jerry can even help you bundle your home and car insurance for a discount on both.
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There are several windows to make tax payments in Shelby County. Filing between October 1 and November 1 will give you a 2% discount on your bill. 
If you file between November 1December 31, you’ll get no discount, and if you file any time after you’ll receive a penalty.
You can make an account with the Shelby County PVA’s office to access information on your taxes.
Shelby County has a higher property tax rate than the state average, but a lower rate than most places in the U.S. In 2020, the national average for property taxes in the U.S. was 1.1%, which is more than Shelby County’s average of 0.84%.

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