What a Elizabethtown home costs each year
Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.
Suggestions as you type come from Google; the lookup uses free public map services to find who serves it. Not stored unless you save your house.
Starts at the typical market value, $245,900; your assessed value is often lower. Typical use.
- Property tax$3,000
1.220% of $245,900
- Electricity$1,741
1097 kWh a month $1,691 · Elizabethtown Independent Schools 3% utility tax $51
- Water and sewer$1,219
7,000 gallons a month on Hardin County Water District No. 2: water $50, sewer $51 a month
- TrashNot included
Not in the total: no trash price was found
- Home insurance$1,359
Typical premium $1,359
A Elizabethtown house at the typical market value ($245,900) costs about $7,300 a year: $3,000 property tax and charges, $1,220 water and sewer, $1,740 electricity, $1,360 home insurance; trash is billed separately. Estimated from public rates, not anyone's actual bill.
Rates checked Oct 22, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.
Ways to pay less
Nothing here applies to every house automatically. These are worth checking:
Seniors 65+: homestead exemption$49,100 off assessed value
Kentucky homeowners who are at least 65 years of age can take $49,100 off the assessed value of their home for the 2025-2026 assessment years; taxes are figured on the rest.
How: File the Application for Exemption Under the Homestead/Disability Amendment with the Hardin County PVA, with proof of age such as a birth certificate, driver's license or passport.
If tax bills are mailed by October 1, pay by November 1 for 2% off2% off if bills were mailed by October 1
If tax bills are mailed by October 1, taxpayers have until November 1 to pay their bill with a 2% discount.
How: Pay by November 1 if your bill was mailed by October 1.
Money dates
- Nov 1in 8 daysLast day to pay with the 2% discount, when tax bills are mailed by October 1.
- Nov 2 – Dec 31in 9 daysThe face amount of the tax bill is due.
- JanuaryA 5% penalty is added to the total amount due; from February 1 the penalty rises to 21% of the tax due.
Who serves this house
- Water
- Hardin County Water District No. 2
- HCWD2 monthly water rates (tariff section A, Monthly Water Rates)
- Property tax
- 1.22% of value
- 2025 tax year, Elizabethtown Independent School district, Hardin County
- Garbage
- Private haulers (Rumpke serves Elizabethtown)
- Rumpke offers curbside trash pickup to Elizabethtown residents
- Sewer
- City of Elizabethtown
- Rate study base fee and volume charge for FY 2027
- Electricity
- Kentucky Utilities
- Rate RS residential service
- Gas
- City of Elizabethtown Utilities
- The city utilities department handles gas service sign-up and bills
- Schools
- Elizabethtown Independent Schools
- Real estate rate 85.7 cents per $100 (2025 levy)
Other KY cities
Louisville home costsIndependence home costsLexington home costsGeorgetown home costsShelbyville home costsBowling Green home costsFort Thomas home costsCovington home costsErlanger home costsMount Washington home costsSt. Matthews home costsRichmond home costsVersailles home costsBardstown home costsLyndon home costsShepherdsville home costsAlexandria home costsNicholasville home costsPaducah home costsFlorence home costsWinchester home costsMurray home costs
How these numbers are made
- Property tax: Hardin County PVA 2025 real estate schedule for the Elizabethtown Independent School district: state 10.6, school 85.7, county 10.8, extension 1.8, health 2.2 and soil 0.2 cents (county total 15.0), plus the Elizabethtown city rate of 10.7 cents per $100. The PVA row total of 111.3 cents covers state, school and county only; with the city rate the total is 122.0 cents per $100. The 2026 rates were not found.
- Starting value is the Census median value of owner-occupied homes in Elizabethtown, $245,900; your PVA assessment may differ. The $49,100 homestead exemption is for owners 65+ or totally disabled, so it is a tip, not taken off the typical bill.
- Water: Hardin County Water District No. 2 tariff from July 1, 2026, priced per gallon and converted to 1,000 gallons. Sewer: the city's rate-study rates for FY 2027 (base fee plus per 1,000 gallons over 2,000); the city council approved a multi-year schedule in 2025, but the ordinance itself was not found. HCWD2 bills city sewer customers. The water tariff text read here does not say whether a July 2026 Louisville Water purchased-water pass-through (about $0.02-$0.03 per 1,000 gallons) is already in the $6.02; it was not added.
- Electricity: Kentucky Utilities Rate RS base charge and energy charge only; fuel (FAC) and environmental (ECR) rider amounts were not added. Starting use is EIA 2024 for Kentucky Utilities in Kentucky (about 1,097 kWh a month). The 3% schools utility tax is applied to electricity. Part of Elizabethtown may be served by Nolin RECC rather than KU; this was not checked. The 3% schools utility tax comes from the Kentucky Department of Education levy sheet and was not confirmed elsewhere.
- Not found: a published trash price or whether the city has a hauler contract, the city gas rates (Elizabethtown Utilities), and a typical water use, so gas and trash are left out of the total.
- Modelling: sewer adoption of the FY 2027 schedule not confirmed (no retail ordinance found); water effective date not verified; assessment ratio/PVA not quoted.
- Nothing here is legal, tax or insurance advice.
- elizabethtown
- Tariff.pdf
- City-of-Elizabethtown_Tariff_Sewer_WholesaleRate_Increase_Su
- rates.html
- 2025%20Property%20Tax%20Rate%20Book.pdf
- Homestead-Exemption.aspx
- acs2024_5yr?table_ids=B25077&geo_ids=16000US2124274
- Tariff.pdf
- table_6.pdf
- Tax%20Rate%20Levied%20as%20of%20April%2030%202026.xlsx
- facts-statistics-homeowners-and-renters-insurance
- TheCollectionProcessforPropertyTaxBills.aspx
- utilites.php
How Elizabethtown compares
A typical Elizabethtown house against the 23 Kentucky cities we cover, using the same default numbers as the total above.
| Per year | Elizabethtown | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 1.22% | 1.26% | lower than 16 of the other 22 Kentucky cities we cover |
| Water | $601 | $535 | higher than 18 of the other 22 Kentucky cities we cover |
| Sewer and utility-bill fees | $618 | $745 | lower than 15 of the other 22 Kentucky cities we cover |
| Electricity and gas | $1,741 | $2,652 | lower than 18 of the other 22 Kentucky cities we cover |
| Home insurance | $1,359 | $1,359 | in the middle of 21 other Kentucky cities we cover |
| Total | $7,319 | $8,268 | lower than 20 of the other 22 Kentucky cities we cover |
Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.
Questions to ask your candidates
Each one starts from a number above. Any candidate can answer them.
1. Water
The fact: Water here costs about $601 a year at typical use, higher than 18 of the other 22 Kentucky cities we cover.
Ask: "Water here costs about $601 a year at typical use, higher than 18 of the other 22 Kentucky cities we cover. What drives that cost, and would you change anything?"
2. Electricity and gas
The fact: Electricity and gas for a typical house here cost about $1,741 a year, lower than 18 of the other 22 Kentucky cities we cover. Rates are set mostly by the utility and the state.
Ask: "Electricity and gas here cost about $1,741 a year for a typical house, lower than 18 of the other 22 Kentucky cities we cover. Which parts of that can the city influence, and what would you do about them?"
Common questions about Elizabethtown house costs
What is the property tax rate in Elizabethtown?
About 1.22% of the value before exemptions a year (2025 tax year, Elizabethtown Independent School district, Hardin County), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Elizabethtown?
About $6,100 a year on $500,000 of the value before exemptions.
How much is the water bill in Elizabethtown?
About $102 a month for water and sewer at typical use (7,000 gallons a month) on Hardin County Water District No. 2.
How much does trash pickup cost in Elizabethtown?
Not in the total: no trash price was found
Can seniors lower their property tax or bills in Elizabethtown?
Yes. Seniors 65+: homestead exemption: Kentucky homeowners who are at least 65 years of age can take $49,100 off the assessed value of their home for the 2025-2026 assessment years; taxes are figured on the rest.
How much does a house in Elizabethtown cost to run each year?
A Elizabethtown house at the typical market value ($245,900) costs about $7,300 a year: $3,000 property tax and charges, $1,220 water and sewer, $1,740 electricity, $1,360 home insurance; trash is billed separately. Estimated from public rates, not anyone's actual bill.