Garrard County, Kentucky Property Taxes
Property Taxes in Garrard County, Kentucky
Median Garrard County effective property tax rate: 1.03%, significantly higher than the national median of 1.02%.
Median Garrard County home value: $95,000
Median annual Garrard County tax bill: $896, $1,504 lower than the national median property tax bill of $2,400.
How are property taxes in Garrard County calculated?
Property taxes in Garrard 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 Garrard County or another part of Garrard County, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Garrard County, Kentucky Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.03%
Estimate Property Tax Bill
$979
$908
How Does the Garrard County Property Tax Calculator Work?
Use this Garrard County property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Garrard County's median effective tax rate of 1.03% to generate your estimate.
Enter your property's estimated assessed value — the figure used for tax purposes, which is typically lower than market value after applicable exemptions. Our calculator uses the median effective rate for a more accurate estimate than the statutory millage rate alone.
Your actual bill may vary based on your specific exemptions, local school district levies, and any special assessment districts that apply to your property. Garrard County's median tax rate is higher than the Kentucky state median tax rate of 1.02%, while the county median tax bill of $896 is lower than the national median property tax bill of $2,400.
For a more precise estimate, scroll down to explore city and ZIP code-level tax rate trends across Garrard County.
Property Tax Rates Across Garrard County, Kentucky
What Are Effective Property Tax Rates Across Garrard County?
Local government entities set tax rates, which vary widely across Garrard County. Each year, the county estimates its budget for public services and divides that total by the assessed value of all taxable property within its jurisdiction.
Below, compare Garrard County's effective property tax rate to other counties in Kentucky or the U.S. median of 1.02%.
Garrard County's median effective rate stands at 1.03%, which is higher than the national median of 1.02%. Within Garrard County, the highest rate is found in Stanford at 1.06%, while Berea has the lowest at 1.02%.
These variations reflect differences in local school district levies, special assessment districts assessments, and special district bonds — which compound the base county rate.
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 Garrard County Tax Rate
1.03%
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 Kentucky Tax Rate
1.02%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Garrard County, Kentucky
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Berea | 0.36% | 0.73% | 1.02% | 1.02% | 1.02% |
| Crab Orchard | 0.43% | 0.72% | 1.02% | 1.02% | 1.06% |
| Lancaster | 0.54% | 0.78% | 1.03% | 1.12% | 1.12% |
| Paint Lick | 0.55% | 0.75% | 1.02% | 1.02% | 1.06% |
| Stanford | 0.56% | 0.74% | 1.06% | 1.06% | 1.07% |
Source: Ownwell
Property Tax Assessment Values Across Garrard County, Kentucky
When examining property taxes in Garrard 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 Garrard County property valuation office 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 Garrard 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 Garrard County.
For example, the median tax bill in Garrard County is $896, well below the national median property tax bill of $2400. Lancaster has the highest median home price at $100000.
Median Garrard County Market Value
$95,000
Median Kentucky Market Value
$116,000
Median United States Market Value
$235,294
Property Tax Assessment Values Across Garrard County, Kentucky
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Berea | $10,000 | $35,000 | $75,000 | $132,425 | $188,800 |
| Crab Orchard | $3,900 | $20,000 | $58,750 | $95,000 | $140,500 |
| Lancaster | $35,000 | $60,000 | $100,000 | $155,000 | $220,300 |
| Paint Lick | $8,760 | $30,000 | $73,500 | $130,500 | $181,500 |
| Stanford | $17,400 | $45,000 | $85,000 | $140,000 | $163,000 |
Source: Ownwell
Property Tax Bills Across Garrard County, Kentucky
Property tax bills in Garrard County are based on the assessed value of a home and the local tax rates set by taxing authorities. The assessed value is compared with the market value of the property, and that figure is used to calculate the bill. Factors such as the home’s location, any exemptions, and the rates applied by local governments all influence the final amount.
For a county with a median home price of $95,000, property taxes can still vary widely from one homeowner to another. The median tax bill is $952.00 in Lancaster and $418.00 in Crab Orchard, showing how much location can affect what owners pay. Across Garrard County, bills range from $489 at the 25th percentile to $1,497 at the 75th percentile, with the 90th percentile reaching $2,228. Compared with the national median property tax rate of 1.02% and national median property tax bill of $2,400, many homeowners here may pay less, but the bill can still be a meaningful part of annual housing costs.
Median Garrard County Tax Bill
$896
Median Kentucky Tax Bill
$1,071
Median United States Tax Bill
$2,400
Property Tax Bills Across Garrard County, Kentucky
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Berea | $109 | $259 | $754 | $1,280 | $1,895 |
| Crab Orchard | $41 | $194 | $418 | $922 | $1,463 |
| Lancaster | $259 | $545 | $952 | $1,551 | $2,300 |
| Paint Lick | $119 | $307 | $697 | $1,173 | $1,808 |
| Stanford | $163 | $475 | $862 | $1,087 | $1,733 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | May 19 |
Links | |
|---|---|
| Garrard Tax Assessor | |
| Website | qpublic.net |