Bell County, Kentucky Property Taxes

Name: Property Tax Bills Across Bell County, Kentucky
Creator: Ownwell
License: https://creativecommons.org/licenses/by-nc/4.0/

Median Bell County effective property tax rate: 1.17%, significantly higher than the national median of 1.02%.
Median Bell County home value: $25,000
Median annual Bell County tax bill: $234, $2,166 lower than the national median property tax bill of $2,400.

How are property taxes in Bell County calculated?

Property taxes in Bell County are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.

Understanding your county's property tax system, exemptions, and reduction opportunities can lead to significant savings. Whether you live in Pineville or another part of Bell County, knowing local tax details benefits homeowners and investors.

Last Updated March 1, 2025

Bell County, Kentucky Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.17%

Estimate Property Tax Bill

$292

$271

Ownwell’s Bell County Property Tax Bill Calculator empowers homeowners, real estate investors, and potential buyers to estimate their annual property taxes in Bell County with just two data points.

By entering your property's estimated assessed value, our calculator applies Bell County’s median effective tax rate to accurately estimate your property tax bill. Note that your property's assessed value — determined by your county — reflects any exemptions you may have, ensuring a more precise calculation for your property tax obligations.

This insightful tool helps you understand potential tax liabilities and highlights how Ownwell can assist in reducing property taxes in Bell County.

For those interested in more localized information, please scroll down to explore city-level trends!

Property Tax Rates Across Bell County, Kentucky

Local government entities set tax rates, which can vary widely within a state. Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate. While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process. Below, you can compare Bell County's effective property tax rate to other counties in Kentucky or the U.S. median property tax rate. Bell County stands out with a median property tax rate of 1.17%, which is above the national median of 1.02%. Within the county, Calvin has the highest median tax rate at 1.17%, while Middlesboro has the lowest at 1.06%. These figures highlight the diversity in tax rates even within a single county, reflecting the unique budgetary needs and property values of different areas. Understanding these differences is crucial for property owners looking to appeal their property taxes or seek exemptions.

Property Tax Rates Across Bell County, Kentucky

Source: Ownwell

1.06%

1.11%

1.17%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Bell County Tax Rate

1.17%

Median Effective Kentucky Tax Rate

1.02%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Bell County, Kentucky

City	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
Calvin	0.57%	1.17%	1.17%	1.17%	1.17%
Fourmile	1.17%	1.17%	1.17%	1.17%	1.17%
Middlesboro	0.55%	1.06%	1.06%	1.17%	1.17%
Arjay	N/A	N/A	N/A	N/A	N/A
Beverly	N/A	N/A	N/A	N/A	N/A
Frakes	N/A	N/A	N/A	N/A	N/A
Hulen	N/A	N/A	N/A	N/A	N/A
Ingram	N/A	N/A	N/A	N/A	N/A
Kettle Island	N/A	N/A	N/A	N/A	N/A
Miracle	N/A	N/A	N/A	N/A	N/A
Pineville	N/A	N/A	N/A	N/A	N/A
Siler	N/A	N/A	N/A	N/A	N/A
Stoney Fork	N/A	N/A	N/A	N/A	N/A

Source: Ownwell

Property Tax Assessment Values Across Bell County, Kentucky

When examining property taxes in Bell County, understanding the distinction between "market value" and "assessed value" is crucial.

The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Bell County Property Valuation Administrator estimates the market value for tax purposes.

The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.

Assessment notices:

In Bell County, assessment notices are sent in the spring each year. They’ll typically reach your mailbox by the middle of April.

Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Bell County.

For example, the median tax bill in Bell County is $363, with tax bills ranging significantly across the county. Middlesboro has the highest median home price at $37,000.

Property Tax Assessment Values Across Bell County, Kentucky

Source: Ownwell

$13,000

$25,000

$37,000

Median Bell County Market Value

$25,000

Median Kentucky Market Value

$110,000

Median United States Market Value

$235,294

Property Tax Assessment Values Across Bell County, Kentucky

City	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
Calvin	$1,200	$5,000	$26,000	$54,000	$87,360
Fourmile	$1,500	$3,000	$13,000	$35,000	$52,200
Middlesboro	$2,000	$8,000	$37,000	$74,750	$120,000
Arjay	N/A	N/A	N/A	N/A	N/A
Beverly	N/A	N/A	N/A	N/A	N/A
Frakes	N/A	N/A	N/A	N/A	N/A
Hulen	N/A	N/A	N/A	N/A	N/A
Ingram	N/A	N/A	N/A	N/A	N/A
Kettle Island	N/A	N/A	N/A	N/A	N/A
Miracle	N/A	N/A	N/A	N/A	N/A
Pineville	N/A	N/A	N/A	N/A	N/A
Siler	N/A	N/A	N/A	N/A	N/A
Stoney Fork	N/A	N/A	N/A	N/A	N/A

Source: Ownwell

Property Tax Bills Across Bell County, Kentucky

In Bell County, KY, property tax bills are calculated based on the assessed value of a home, which is determined by local assessors. This assessed value is then multiplied by the local tax rate to determine the annual tax bill. The median home price in Bell County is $25,000, and the property tax bills can vary significantly within the county. For instance, the 25th percentile tax bill is $58, while the 75th percentile tax bill reaches $607, and the 90th percentile is $1,112. These variations highlight how different factors, such as property location and improvements, can affect the assessed value and, subsequently, the tax bill. In Middlesboro, the highest median tax bill is $363, whereas in Fourmile, the lowest is $105. Compared to the national median property tax rate of 1.02% and a median tax bill of $2,400, Bell County's tax bills are relatively low, which can be advantageous for homeowners looking to manage their expenses.

Property Tax Bills Across Bell County, Kentucky

Source: Ownwell

$105

$234

$363

Median Bell County Tax Bill

$234

Median Kentucky Tax Bill

$1,031

Median United States Tax Bill

$2,400

Property Tax Bills Across Bell County, Kentucky

City	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
Calvin	$18	$58	$234	$569	$1,000
Fourmile	$18	$29	$105	$328	$555
Middlesboro	$37	$106	$363	$760	$1,274
Arjay	N/A	N/A	N/A	N/A	N/A
Beverly	N/A	N/A	N/A	N/A	N/A
Frakes	N/A	N/A	N/A	N/A	N/A
Hulen	N/A	N/A	N/A	N/A	N/A
Ingram	N/A	N/A	N/A	N/A	N/A
Kettle Island	N/A	N/A	N/A	N/A	N/A
Miracle	N/A	N/A	N/A	N/A	N/A
Pineville	N/A	N/A	N/A	N/A	N/A
Siler	N/A	N/A	N/A	N/A	N/A
Stoney Fork	N/A	N/A	N/A	N/A	N/A

Source: Ownwell