Kentucky · County property tax · ACS 2024
Oldham County Property Taxes
The median homeowner in Oldham County pays $3,519 a year, an effective rate of 0.90%, far above the U.S. average.
- $3,519
- Median tax / yr · High bill
- 0.90%
- Effective rate · Above-median rate
- +77%
- vs U.S. average
- #7 of 120
- rank in KY
The verdict
Homeowners in Oldham County pay a median $3,519 a year in property tax, an effective rate of 0.90%, more affordable than 43% of U.S. counties (Census ACS 2024).
- $3,519
- Median annual tax bill, 2024
- 0.90%
- Effective rate on median home
- #1794 of 3135
- U.S. counties by tax burden
- +77%
- vs the national average bill
Effective rate is the median property tax bill divided by the median home value ($393,100). U.S. Census Bureau, ACS 5-Year Estimates · 2024.
Census Bureau ACS property tax data for Kentucky. Population: 69,257. Owner-occupied homes: 20,058.
The median annual property tax in Oldham County is $3,519, which is 128% higher than the Kentucky state average and 77% above the national average. The effective tax rate is 0.90% on a median home value of $393,100. Property taxes represent 2.9% of the median household income in this county.
Why Oldham County's ACS bill runs high vs the U.S.
Primary signal
The bill sits well above the national median
Homeowners in Oldham County pay a median annual property tax of $3,519, far above the national median and far above the Kentucky state median. On a $393,100 median home, that works out to an effective rate of 0.90% once the local assessment base and millage are combined.
Decision signal 2
Low among Kentucky counties by effective rate
Oldham County ranks #7 of 120 counties in Kentucky by effective rate (94% of in-state counties pay a lower rate).
Decision signal 3
The effective rate sits near the national middle
Oldham County's 0.90% effective rate sits near the middle of 3,135 tracked counties (more affordable than 43%).
Decision signal 4
Income and the tax bill sit in the middle band
Property taxes in Oldham County run within the commonly cited 2%-4% national benchmark, at about 2.9% of the $122,497 median household income.
Informational notice
Figures describe the median homeowner household in Oldham County as reported to the Census Bureau; your parcel can differ. Not tax, legal, or financial advice: check the county assessor or a qualified professional before decisions that depend on these numbers.
Most of the market's rise reached the bill
The effective rate here moved 7.9% down between 2020 and 2024, a smaller shift than in 68% of U.S. counties. With the median home value rose 31.3%, the median bill rose 20.9% to $3,519: the rate did comparatively little to offset the market.
Effective rate is the published median bill divided by the published median home value, so the two multiply back to the bill exactly; the rate's movement here is derived from those two figures rather than read from the rounded published rate. Both are ACS 5-year survey estimates for the median owner-occupied household, compared across non-overlapping releases. They describe what the Census published, not a local policy, assessment, or exemption change.
How to read this county's bill
Bills rose across 2020-2024, from $2,910 to $3,519, a gain of 21%. This is a comparison of published ACS medians, not an explanation of a particular property's assessment or tax bill.
The heaviest band is also the fullest one here: 11,881 of 20,058 owner-occupied homes (59.2%) report annual real-estate taxes above $3,000. That band has no upper edge in the source, so the county median understates the burden carried by the plurality rather than describing it.
Earnings are in the national top quarter and the rate is above the midpoint, so the median bill represents 2.9% of median household income. A headline bill conflates the dollar figure with the proportion; the two come apart here, and the ratio above is the second of them.
The share above is the median annual bill divided by median household income, a ratio of two county-level medians rather than a household-by-household figure.
What Oldham County Homeowners Actually Pay
The single largest group of Oldham County homeowners, 11,881 of 20,058 owner-occupied homes (59.2%), pays $3,000 or more a year. The median is one point in this spread, not a typical bill.
- Less than $800 3.4% (684)
- $800 to $1,499 7.0% (1,396)
- $1,500 to $1,999 7.4% (1,483)
- $2,000 to $2,999 21.7% (4,347)
- $3,000 or more 59.2% (11,881)
Census ACS 2024, table B25102. Bands and the no-tax share sum to 100%.
267 homes here (1.3%) report no real estate tax at all. Exemptions are set by state: how Kentucky handles assessments and appeals.
With vs Without Mortgage
In Oldham County, mortgaged homeowners pay 17% more than those without a mortgage, a gap that typically tracks higher home values rather than a different tax rate.
Oldham County's bill vs state & U.S. medians
Median annual bill bars around Oldham County's HEAVY ACS 2024 figure.
Oldham County's median bill is 128% above the Kentucky median and 77% above the U.S. median.
Above Kentucky on both measures
Oldham County's effective rate runs 20% over the Kentucky median and its bill 128% over. When both move together the rate is not being offset by cheaper housing, so the $3,519 median bill is carrying the full weight of the higher rate rather than a valuation difference. This is a comparison of two published medians, not a statement about any individual parcel.
Oldham County vs Benchmarks
| Metric | Oldham County | Kentucky Avg | U.S. Avg |
|---|---|---|---|
| Median Annual Tax High bill | |||
| Effective Tax Rate Above-median rate | |||
| Median Home Value | |||
| Tax as % of income Above-median income burden | 2.9% | - | - |
Source: U.S. Census Bureau, ACS 5-Year Estimates. Tax-burden differences across rows reflect millage decisions, assessment-ratio practices, and the residential-vs-commercial mix of each tax base.
Is Oldham County's $3,519 median bill appeal-worthy?
At Oldham County's $3,519 ACS median (HEAVY), a 10% assessment cut is worth about $352/yr before exemptions. Appeal Savings Estimator · appeal guide for Kentucky.
Oldham County bill trail · HEAVY
| Year | Median Tax (vs prior release) | Effective Rate |
|---|---|---|
| 2024 | $3,519 +1.9% | 0.90% |
| 2023 | $3,454 +4.7% | 0.92% |
| 2022 | $3,300 +7.9% | 0.92% |
| 2021 | $3,058 +5.1% | 0.97% |
| 2020 | $2,910 | 0.97% |
Each row is a separate ACS 5-year release, and consecutive releases share four of their five survey years. The percentage beside each bill is therefore movement in the published estimate against the previous release, not a single year's tax change. The two releases largely describe the same households. For change over time, compare releases that do not overlap.
Oldham County: tax-to-income at 2.9%
Counties near Oldham County's median bill
On effective rate, Oldham County sits nearest Wilkinson County (GA), Toombs County (GA), Tattnall County (GA).
On published median-tax change, the nearest matches are Hampden County (MA), Baker County (GA), Kiowa County (OK).
How peers are chosen
These are the nearest cross-state matches in the published Census data, not neighboring counties or recommendations. Peers are rebuilt with each data release; see the calculation method.
Similar effective rates
Similar published median-tax changes, 2020–2024
Oldham County: only 11% of returns show Schedule A real-estate tax
Tax year 2022: 3,420 of 30,690 returns from Oldham County reported real estate taxes, averaging $5,979 - 49% of those reporters sat in the $200k+ AGI band.
What this IRS county file does not say
Amounts are reported before the SALT cap, not deducted; the share is of filers, not homeowners. Source: IRS SOI county data, tax year 2022.
Other Counties in Kentucky
Oldham County bill FAQs
- How does Oldham County property tax compare to the national average?
- Property taxes in Oldham County run far above the national median of $1,993, an effective rate of 0.90% versus 0.92% nationally.
- What is the average property tax in Oldham County, Kentucky?
- The median annual property tax in Oldham County is $3,519, an effective rate of 0.90% on a $393,100 median home (Census ACS, 2024).
- What is the tax affordability score for Oldham County?
- Oldham County, Kentucky scores F (33/100) on PlainPropertyTax's tax affordability composite across 5 Census ACS dimensions (effective rate, bill size, income share, mortgage gap, and home-value/income). Its strongest scored dimension here is rate relief at D (0.90%). The score compares published county medians to U.S. percentiles, it is not a personal bill and not advice to buy, sell, appeal, or relocate.
- Are property taxes increasing in Oldham County?
- The ACS median property-tax bill for Oldham County jumped 20.9% between the 2020 and 2024 5-year releases, from $2,910 to $3,519, a 4-year span. These are survey estimates covering five years each, so this compares the two releases furthest apart rather than consecutive ones, which overlap and would mostly measure the same households twice.
- What percentage of income goes to property taxes in Oldham County?
- Property taxes in Oldham County run within the commonly cited 2%-4% national benchmark, at about 2.9% of the $122,497 median household income.
What to do with Oldham County's HEAVY bill
Oldham County's $3,519 median bill sits well above the U.S. median - size a personal estimate before treating the county headline as your budget. Estimate your bill →
Oldham County ranks #7 of 120 Kentucky counties by effective rate - on the higher-burden half of the state ACS set. Kentucky overview →
Nationwide peers by median bill (then rate)
Bill-first peers for Oldham County's HEAVY median, then a disjoint out-of-state rate set, not the same-state geography lattice.
Similar effective rate
Nearest out-of-state counties by ACS effective rate. This county: 0.90%.
Similar median bill
Nearest out-of-state counties by ACS median annual tax. This county: $3,519/yr. Rate peers are excluded so the two link sets stay distinct.
Read with Oldham County
Nearest ABS(median_tax) ACS peers for Oldham County (UNDER · HEAVY), replacing the old fixed Keep exploring strip.
UNDER HEAVY
Hood River County, OR
ABS(median_tax) peer · $3,515/yr (near-tied bill ABS $4); rate 0.53% vs Oldham County 0.90%.
Wright County, MN
ABS(median_tax) peer · $3,523/yr (near-tied bill ABS $4); rate 0.98% vs Oldham County 0.90%.
Clinton County, IL
ABS(median_tax) peer · $3,524/yr (near-tied bill ABS $5); rate 1.83% vs Oldham County 0.90%.
Eau Claire County, WI
ABS(median_tax) peer · $3,514/yr (near-tied bill ABS $5); rate 1.35% vs Oldham County 0.90%.
Kentucky county set
State ACS overview for every published Kentucky county rate and median bill.
Assessment cycle basics
Oldham County stamps UNDER · HEAVY - how assessed value and millage become the ACS median bill.
Data vintage and method
Data as of 2024. Source: U.S. Census Bureau, American Community Survey 5-Year Estimates.
Property tax data reflects median amounts paid by homeowners. Effective rates are calculated as median tax divided by median home value.
Source: U.S. Census Bureau American Community Survey 5-Year Estimates, county median real-estate taxes · 2024 Oldham County (UNDER · HEAVY) - ACS medians, not a parcel bill.