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County tax profile · 2026 · Census ACS + IRS data

Property Tax & Income in McCreary County, Kentucky

McCreary County has an effective property tax rate of 0.65%. On the median home value of $85,300, that's roughly $554 per year. Median household income is $33,750.

Effective Property Tax Rate1
0.65%
median tax $554 ÷ median home $85,300
Median Home Value1
$85,300
owner-occupied
Median Household Income1
$33,750
per-capita $17,150
Est. Annual Tax on Median Home1
$554
at 0.65% effective rate

What you'll pay, at a glance

Property taxes are the largest local tax most homeowners pay. The effective rate measures the real tax bill as a share of home value — a more useful number than the nominal “mill rate,” because assessment practices vary county to county.

MetricMcCreary CountyKentucky (state context)
Effective property tax rate10.65%0.68%
Median home value1$85,300—
State income tax3top rate 3.50%top rate 3.50%
State sales tax36.00% combined6.00% combined

How this is calculated

The effective property tax rate is the median real-estate tax bill divided by the median home value — both for owner-occupied homes, from the U.S. Census Bureau's American Community Survey (ACS 5-year estimates)1. Median income is also from the ACS1. Federal and state income-tax figures use IRS2 and Tax Foundation3 data.

About McCreary County, KY

Property taxes in McCreary County, Kentucky run at an effective rate of 0.649%, which sits just under the statewide median of 0.675% and well below the national median of 0.794%. Among Kentucky's 120 counties, this one ranks 81st by rate, placing it in the lower-middle portion statewide. The practical result shows up in the tax bill: with a median home value of $85,300, the median annual real-estate tax comes to $554. Households here earn a median of $33,750, and per-capita income is $17,150. Pine Knot, along with Marshes Siding and Parkers Lake, are the county's main communities. A rate below both the state and national benchmarks signals that property taxation here leans lighter than in many other places, though the low home values and incomes mean even a smaller percentage can carry real weight for local homeowners.

Frequently asked questions

What is the property tax rate in McCreary County, KY?
The effective rate is 0.65% — meaning the median tax bill equals about 0.65% of the median home value.
How much are property taxes on a median home?
On the median home ($85,300), the estimated annual bill is about $554.
Is McCreary County's rate high or low?
Compare it to the state median of 0.68% and the national average near 1.1%.
How does the effective rate differ from my mill rate?
A mill rate is the nominal levy per $1,000 of assessed value. The effective rate reflects what you actually pay after exemptions and assessments — it's the median tax bill as a share of median home value, so it better predicts your real cost.
Will a reassessment raise my tax bill?
Not necessarily. If your home's assessed value rises, your bill can go up, but only if the mill rate and exemptions stay flat. Contact the McCreary County assessor's office to review your current assessment.
Can I appeal my property tax assessment?
Yes. Most counties allow an appeal when you believe the assessed value exceeds the market value. File with the McCreary County assessor within the local deadline, typically with comparable sales as evidence.
Sources
[1] U.S. Census Bureau — ACS 5-Year (2023) — Median home value (B25077), median real-estate taxes (B25103), median household income (B19013), per-capita income (B19301).
[2] IRS — Statistics of Income — County income, AGI, and real-estate taxes paid.
[3] Tax Foundation — State income, sales, corporate, and estate/inheritance tax rates.