Caldwell County, KY Property Tax: $594/yr (2026)
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The effective property tax rate in Caldwell County is 0.52% of assessed home value. On a home at the county median value of $113,500, that works out to about $590 per year, or $49 per month. Caldwell County is located in western Kentucky, and is home to approximately 12,631 residents.
About Caldwell County
Caldwell County covers approximately 344.8 square miles in Kentucky. The county is home to about 12,631 residents living in roughly 6,085 housing units, of which 61.2% are owner-occupied. The median household income is $57,618, and the median home was built in 1974.
Caldwell County borders Christian County, Crittenden County, Hopkins County, Lyon County, Trigg County — useful comparisons if you're considering nearby areas with potentially different tax rates.
How Property Taxes Work in Kentucky
Property taxes in Kentucky are administered at the county level. Each county sets a millage rate applied to the assessed value of real property — the effective rate above accounts for any partial assessments and exemptions already built into the local tax base. Assessed value can differ meaningfully from current market value depending on how often the county reassesses and what fraction of market value it uses.
Most counties in Kentucky offer exemptions that reduce the taxable assessed value: homestead exemptions for primary residences, senior exemptions, disability exemptions, and veteran exemptions are common. These reduce your effective rate below the county-wide average shown here. Contact the Caldwell County Assessor's office to learn which exemptions apply to your property and when to file.
Caldwell County vs. Neighboring Counties
| Location | Eff. Rate | Median Home | Annual Tax |
|---|---|---|---|
| Caldwell County, KY | 0.52% | $113,500 | $590 |
| Kentucky state average | 0.72% | — | $817* |
| Christian County | 0.71% | $149,200 | $1,065 |
| Crittenden County | 0.56% | $115,700 | $650 |
| Hopkins County | 0.82% | $128,800 | $1,057 |
| Lyon County | 0.55% | $183,600 | $1,016 |
| Trigg County | 0.55% | $192,000 | $1,065 |
| US national average | 1.10% | $281,900 | $3,101 |
*State average annual tax computed at Caldwell County's median home value of $113,500. Source: US Census ACS 2023 5-year estimates.
Frequently Asked Questions
How does Caldwell County's property tax rate compare to the rest of Kentucky?
At 0.52%, Caldwell County is lower than the Kentucky state average of 0.72%. On a home at the county median of $113,500, that means about $590 per year — versus $817 at the state average rate, a difference of $227 per year. Compared to the national average of 1.10%, Caldwell County is below average.
What's a typical annual property tax bill in Caldwell County?
For a home at the county median value of $113,500, the annual property tax in Caldwell County is approximately $590 — or about $49 per month. For a home worth $170,250, expect around $885 per year. For a $227,000 home, approximately $1,180 per year. Use the calculator above to estimate taxes for any assessed value.
Where do I appeal a Caldwell County property tax assessment?
Property assessment appeals in Caldwell County are handled by the Caldwell County Assessor's office. Most jurisdictions require filing within 30–90 days of receiving your assessment notice — confirm the specific deadline with the assessor's office before submitting, as deadlines and procedures vary by county. A successful appeal can reduce your assessed value and lower your tax bill for the current and future tax years.
What exemptions are available in Caldwell County?
Kentucky counties commonly offer homestead exemptions for owner-occupied primary residences, senior citizen exemptions for qualifying homeowners aged 65 and older, exemptions for disabled residents, and veterans' exemptions. Each exemption reduces your assessed taxable value, which in turn reduces your effective tax rate below the county-wide 0.52% shown here. Contact the Caldwell County Assessor's office to confirm which exemptions are available and the application deadlines.
Data sources: US Census Bureau ACS 2023 5-Year Estimates, US Census Gazetteer (2024), County Adjacency File