Erlanger, KY · Updated Oct 2026

What a Erlanger house pays

Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.

Sent only to free public map services to find who serves it. Not stored unless you save your house.

Example · a Erlanger house

$9,016a year · $751 a month

Starts at the typical market value, $209,000; your assessed value is often lower. Typical use.

Property tax$3,250
1.555% of $209,000
Electricity and gas$2,923
889.07 kWh a month $1,567 · 53.51 therms $1,356
Water and sewer$1,280
5.3476 units (CCF) a month on Northern Kentucky Water District: water $45, sewer $58, sd1 stormwater fee (one eru for a single-family home) $4 a month
TrashIncluded
Rumpke collects under a franchise agreement with the city
Home insurance$1,359
Typical premium $1,359

A Erlanger house at the typical market value ($209,000) pays about $8,800 a year: $3,250 property tax and charges, $1,280 water and sewer, $2,920 electricity and gas, $1,360 home insurance; trash is paid through property tax. 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 exemptionExemption amount is $49,100
Owners 65 or older (or totally disabled) who own and occupy their home as of January 1 can apply for the homestead exemption; for 2025 and 2026 the amount is $49,100. If only one spouse is 65, the age requirement is met.
How: Apply to the Kenton County PVA during the year you want the exemption, with a Kentucky driver's license or state ID as proof of age.
Totally disabled owners: disability exemption$49,100 off assessed value
Owners classified as totally disabled under a federal program or a retirement system, who kept that classification for the entire year and received disability payments under it, can take $49,100 off their assessed value for 2025 and 2026.
How: Apply to the Kenton County PVA before December 31.
Pay your county tax bill by November 1 for 2% off2% off the bill
Kenton County tax bills paid October 1 to November 1 are the face amount less 2%; from November 2 to December 31 the face amount is due.
How: Pay online through Kenton County Online Records, or in person at a Heritage Bank location through the Sheriff's partnership.
Pay your City of Erlanger tax bill in October for 2% off2% off the city bill
The City of Erlanger's property taxes are due October 1, 2026, with a 2% discount if paid during October 2026; they become delinquent after December 31, 2026.
How: Pay online, or at the City Clerk's office at 505 Commonwealth Ave., or at Heritage Bank.
Low income: SD1 Customer Assistance Program20% off sewer bills
SD1 customers at or below 150% of the federal poverty guidelines (200% for customers 65 or older) with a usage factor of 2 or 3 on a recent SD1 bill can get a 20% discount on residential sanitary sewer bills.
How: Contact the Brighton Center at 859-491-8303, ext. 2378.

Money dates

Oct 1 – Nov 1todayPay the Kenton County tax bill at the face amount less 2%.
Oct 1 – Oct 31, 2026todayPay the City of Erlanger tax bill with a 2% discount; it becomes delinquent after December 31, 2026.
Nov 2 – Dec 31in 10 daysPay the Kenton County tax bill at the face amount.
Dec 31in 69 daysApply for the disability exemption before December 31.

Who serves this house

Water: Northern Kentucky Water District; Northern Kentucky Water District's normal billing cycle is quarterly (except for subdistrict accounts): a quarterly service charge by meter size plus a charge per cubic foot of water
Property tax: 1.56% of value; 2026 tax year, Kenton County
Garbage: Rumpke; The City of Erlanger has a waste collection agreement with Rumpke
Sewer: Sanitation District No. 1 (SD1); Monthly base rate with the first 2 HCF, plus a charge per HCF above that
Electricity: Duke Energy Kentucky; Duke Energy Kentucky's tariff lists Erlanger among the communities it serves
Gas: Duke Energy Kentucky; Duke Energy Kentucky's gas tariff lists Erlanger among the communities served
Schools: Erlanger-Elsmere Independent Schools; Erlanger-Elsmere Independent is listed in the 2026-27 Northern Kentucky school tax rates

Pay or manage your bills

Your water

Source: NKWD's Fort Thomas and Memorial Parkway treatment plants draw water from the Ohio River; the Taylor Mill plant's source is the Licking River.
Lead: In 2024 tap testing (the most recent required), 0 of 51 sites were above the 15 ppb lead action level; 90% of taps tested were below 2 ppb.

Other KY cities

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How these numbers are made

Property tax: the 2026 state rate (10.3 cents per $100), Kenton County's 2026 rate (11.3 cents), the Erlanger-Elsmere Independent Schools' 2026-27 rate (94.5 cents) and the City of Erlanger's July 2026 to June 2027 rate (24.1 cents), plus the 2025 rates for health (2.3), PDS (1.8), library (10.1) and cooperative extension (1.1), on the value you enter. The starting value is the Census median value of owner-occupied homes in Erlanger, $209,000; your PVA assessment may differ. Kentucky's $49,100 homestead exemption is only for owners 65 and older or totally disabled, so it is listed as a tip, not taken off the typical bill. Erlanger has no separate fire district rate on the PVA table; its fire service is not itemized. Parts of the city may carry other district charges that are not included.
Trash: Rumpke collects under a franchise agreement with the city. The $17.03 a month is the figure in the city clerk's January 2025 memo for the July 2025 to June 2027 term; we could not find the council's adopted order, so treat it as the projected contract rate. The memo says an annual fuel surcharge applies from April (past years $0, $0.60 and $0.48); the current surcharge is not included. Optional Rumpke recycling ($6.06 a month in the memo) is not included.
Water: Northern Kentucky Water District rates on quarterly billing, the usual cycle for homes: the $45.20 quarterly charge for a 5/8-inch meter (about $15.07 a month) and $0.0552 per cubic foot ($5.52 per CCF) for the first 4,500 cubic feet a quarter (15 CCF a month), $5.13 per CCF above that. Homes in an NKWD subdistrict pay a monthly surcharge that is not included. Starting use is NKWD's average quarterly bill of 12,000 gallons, about 5.3 CCF a month.
Sewer and stormwater: SD1's rates from July 1, 2026, a $40.00 base rate (first 2 HCF) plus the $5.00 environmental surcharge a month and $4.00 per HCF above 2 HCF, applied here to the water use you enter (SD1 actually uses your winter usage), plus SD1's $3.70 monthly stormwater fee for one ERU.
Electricity: Duke Energy Kentucky Rate RS from September 1, 2026, the $14.75 customer charge plus the $0.30 Home Energy Assistance charge a month, and $0.128121 per kWh plus the October 2026 fuel adjustment clause of $0.001811 per kWh. The DSM, Environmental Surcharge and Profit Sharing riders are not modeled, so the real bill can differ. Starting use is Duke Energy Kentucky's 2024 residential average from EIA (about 889 kWh a month). No utility tax is added because we found no sourced Erlanger-Elsmere school utility tax.
Gas: Duke Energy Kentucky Rate RS from September 1, 2026, $20.00 plus the $0.30 Home Energy Assistance charge a month, and $1.51209 per CCF plus the $0.27 pipeline modernization and $0.014440 demand side management charges, converted to therms at 1.037 therms per CCF. The gas cost adjustment changes during the year and is not modeled. Starting use is Kentucky's 2025 residential average from EIA (about 54 therms a month). Insurance is the 2022 Kentucky average HO-3 premium (NAIC).
The $49,100 is the exemption amount; the source does not state how it is applied to taxable value.
Gas: $0.70339 is the base per-CCF rate and $0.8087 the added per-CCF charge in the tariff line; Erlanger is listed in the tariff's index of communities served.
Nothing here is legal, tax or insurance advice.

Sources

How Erlanger compares

A typical Erlanger house against the 11 Kentucky cities we cover, using the same default numbers as the total above.

Per year	Erlanger	Median	Where it falls
Property tax rate	1.55%	1.32%	higher than 9 of the other 10 Kentucky cities we cover
Water	$535	$535	higher than 4 of the other 10 Kentucky cities we cover
Sewer and utility-bill fees	$745	$745	lower than 5 of the other 10 Kentucky cities we cover
Electricity and gas	$2,923	$2,751	higher than 9 of the other 10 Kentucky cities we cover
Home insurance	$1,359	$1,359	in the middle of 10 other Kentucky cities we cover
Total	$8,812	$8,812	in the middle of 10 other 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. Property tax rate

The fact: Erlanger's property tax rate is 1.55%, higher than 9 of the other 10 Kentucky cities we cover. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in Erlanger is 1.55%, higher than 9 of the other 10 Kentucky cities we cover. What should that money pay for first, and would you change anything about how it is set?"

2. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,923 a year, higher than 9 of the other 10 Kentucky cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $2,923 a year for a typical house, higher than 9 of the other 10 Kentucky cities we cover. Which parts of that can the city influence, and what would you do about them?"

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Common questions about Erlanger house costs

What is the property tax rate in Erlanger?

About 1.56% of the value before exemptions a year (2026 tax year, Kenton County), plus flat charges on the same bill.

How much is property tax on a $500,000 house in Erlanger?

About $7,775 a year on $500,000 of the value before exemptions.

How much is the water bill in Erlanger?

About $107 a month for water and sewer at typical use (5.3476 units, or 4,000 gallons a month) on Northern Kentucky Water District.

How much does trash pickup cost in Erlanger?

Rumpke collects under a franchise agreement with the city

Can seniors lower their property tax or bills in Erlanger?

Yes. Seniors 65+: homestead exemption: Owners 65 or older (or totally disabled) who own and occupy their home as of January 1 can apply for the homestead exemption; for 2025 and 2026 the amount is $49,100. If only one spouse is 65, the age requirement is met.

Where can I get help paying utility bills in Erlanger?

Low income: SD1 Customer Assistance Program: SD1 customers at or below 150% of the federal poverty guidelines (200% for customers 65 or older) with a usage factor of 2 or 3 on a recent SD1 bill can get a 20% discount on residential sanitary sewer bills. Contact the Brighton Center at 859-491-8303, ext. 2378.

How much does a house in Erlanger cost to run each year?

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