Upton, Hardin County, Kentucky Property Taxes
Property Taxes in Upton, Kentucky
Median Upton, Kentucky effective property tax rate: 1.17%, significantly lower than the national median of 1.02%, and higher than the Kentucky state median of 1.02%.
Median Upton, Kentucky home value: $19,450
Median annual Upton, Kentucky tax bill: $155, $2,245 lower than the national median property tax bill of $2,400.
How are property taxes in Hardin calculated?
Property taxes in Upton, Kentucky 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 Upton's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Upton, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Upton, Hardin County, Kentucky Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.17%
Estimate Property Tax Bill
$228
$211
How Does the Upton Property Tax Calculator Work?
Use this Upton property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Upton's median effective tax rate of 1.17% — based on actual property records in Hardin County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessment process uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Upton's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Upton: rates range from 155 in 42784 to 155 in 42784, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Upton.
About Upton Property Taxes
About Property Taxes in Upton, Hardin, Kentucky
Upton’s median effective property tax rate of 1.17% is lower than the Kentucky state median of 1.02% and lower than the national median of 1.02%. This rate reflects the Hardin County base levy combined with local school district levies and special assessment districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Upton. Homeowners in the 42784 ZIP code carry a median effective rate of 1.17%, while those in 42784 pay 1.17%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Hardin County. Understanding which part of Upton you live in can make a meaningful difference to your annual tax bill.
Upton homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before the May 18, 2026 deadline each year.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Upton, Hardin County, Kentucky
As noted earlier, 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 Upton's effective property tax rate to other cities in Kentucky and the median property tax rates in Kentucky and the U.S.
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 Upton Tax Rate
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 Hardin County Tax Rate
0.92%
Median Effective Kentucky Tax Rate
1.02%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Upton, Hardin County, Kentucky
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 42784 | 0.92% | 0.92% | 1.17% | 1.17% | 1.17% |
Source: Ownwell
Property Tax Assessment Values Across Upton, Hardin County, Kentucky
When examining property taxes in Upton, Kentucky, 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 Hardin County appraisal district 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 Hardin County are sent in the spring each year and typically reach your mailbox by the middle of the month. 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.
For example, the median home price in Upton is $19,450, with tax bills ranging across the county. Zip code 42784 has the highest median home price at $19,450.
Property Tax Assessment Values Across Upton, Hardin County, Kentucky
Source: Ownwell
$7,500
$22,250
$37,000
Median Upton Market Value
$19,450
Median Hardin County Market Value
$23,500
Median Kentucky Market Value
$116,000
Median United States Market Value
$235,294
Property Tax Assessment Values Across Upton, Hardin County, Kentucky
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 42784 | $4,050 | $7,500 | $19,450 | $34,850 | $85,510 |
Source: Ownwell
Property Tax Bills Across Upton, Hardin County, Kentucky
Property tax bills in Upton are calculated by applying the local tax rate to a home’s assessed value, which is based on the market value of the property. The assessed value is the starting point for the bill, and it can change when a home’s market value changes or when local assessments are updated. Factors such as the property’s location, size, condition, and any exemptions can also affect the final amount.
For homeowners, this means the tax bill is tied directly to how the property is valued rather than to what was originally paid for it. In Upton, the median home price is $19,450, and the median property tax bill is $155.00 in zip code 42784. That is far below the national median property tax bill of $2,400 and the national median property tax rate of 1.02%.
Because property taxes can vary widely, homeowners may see bills that fall anywhere from the 25th percentile of $77 to the 90th percentile of $768.
Median Upton Tax Bill
$155
Median Hardin County Tax Bill
$146
Median Kentucky Tax Bill
$1,071
Median United States Tax Bill
$2,400
Property Tax Bills Across Upton, Hardin County, Kentucky
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 42784 | $37 | $77 | $155 | $386 | $768 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | May 18 |
Links | |
|---|---|
| Hardin Tax Assessor | |
| Website | qpublic.schneidercorp.com |