Garrard County Property Taxes
Garrard County, Kentucky
Effective Tax Rate
0.00%
23% above state avgMedian Annual Tax
$0
$112/mo escrow
Estimate Your Tax
Annual Tax
$0
Monthly
$0
Eff. Rate
0.72%
At a Glance
Median Home Value
$186,800
State avg ▲ $150,167
Tax w/ Mortgage/yr
$1,449
$121/mo escrow
Tax w/o Mortgage/yr
$1,177
$98/mo
State Tax Rate Rank
#63
of 120 counties (1 = lowest)
Similar tax rates
Data Story
About Property Taxes in Garrard County, Kentucky
Garrard taxes well below national average
Garrard County's 0.720% effective tax rate is less than one-third the national property tax burden, placing it in the bottom 30% nationally. The median tax of $1,344 is roughly 50% below the national median of $2,690.
Essentially at Kentucky average
At 0.720%, Garrard County's rate nearly matches Kentucky's 0.719% state average, placing it solidly in the state's middle tier. Its median tax of $1,344 is 23% above the state median of $1,093, reflecting moderately higher property values than rural neighbors.
Moderate rate in central region
Garrard County's 0.720% rate sits between lower-taxed rural counties like Estill (0.691%) and Fleming (0.715%) and higher-taxed areas like Gallatin (0.808%) and Franklin (0.842%). The county occupies a middle ground in central Kentucky's tax landscape.
Median home costs $1,344 annually
A homeowner with Garrard County's median property value of $186,800 pays roughly $1,344 in annual property taxes. With a mortgage, the total annual payment including escrow typically reaches about $1,449.
Verify your home's assessed value
Garrard County property owners should periodically check whether their assessed valuations align with recent comparable home sales. If your assessment seems inflated, requesting a formal reassessment from the county assessor could lower your annual tax burden.
How Garrard County Compares
Median Annual Property Tax
Garrard County
0.72%
Effective rate
Kentucky Avg
0.73%
Effective rate
National Avg
0.91%
Effective rate
Frequently Asked Questions
What is the property tax rate in Garrard County, Kentucky?
How much are property taxes in Garrard County?
How does Garrard County compare to the Kentucky average?
What is the median home value in Garrard County, Kentucky?
Is Garrard County a low property tax area in Kentucky?
How does Garrard County rank for property taxes in Kentucky?
Counties with Similar Tax Rates
Nearby Counties
Other Counties in Kentucky
Data updated: March 2026
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates. Effective tax rate is calculated as median property tax divided by median home value.