Florence, KY · Updated Oct 2026

What a Florence 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 Florence house

$7,968a year · $664 a month

Starts at the typical market value, $210,700; your assessed value is often lower. Typical use.

Property tax$2,679
1.272% of $210,700
Electricity and gas$2,982
889.07 kWh a month $1,626 · 53.51 therms $1,356
Water and sewer$808
9 units (CCF) a month on City of Florence water system: water $49, sewer $15, storm sewer fee (city limits of florence) $4 a month
TrashNot included
Rumpke collects under a contract with the city
Home insurance$1,359
Typical premium $1,359

A Florence house at the typical market value ($210,700) pays about $7,800 a year: $2,680 property tax and charges, $810 water and sewer, $2,980 electricity and gas, $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 exemptionExemption amount is $49,100
Boone County's tax bill notice says that if you are or will be 65 during the year, own and occupy the home as your primary residence, and the $49,100 homestead exemption does not appear on your bill, contact the PVA office before paying.
How: Contact the Boone County PVA.
Totally disabled owners: disability exemption$49,100 off assessed value
Boone County's notice says owners who are 100% totally and permanently disabled and receiving disability benefits, who own and occupy the home, can have a disability exemption of $49,100; disabled persons younger than 65 must apply annually.
How: Contact the Boone County PVA.
Pay your Boone County tax bill by November 1 for 2% off2% off the bill
Boone County 2026 property tax bills paid 10/01/26 – 11/01/26 get a 2% discount; face amount is due 11/02/26 – 12/31/26.
How: Pay online at boonecountytax.com or at the Florence Government Center in October.

Money dates

Oct 1 – Nov 1, 2026todayBoone County tax bill: 2% discount period
Nov 2 – Dec 31, 2026in 10 daysBoone County tax bill: face amount due
Jan 1 – Jan 31, 2027in 70 daysBoone County tax bill: 5% penalty
Feb 1 – Apr 15, 2027in 101 daysBoone County tax bill: 10% penalty plus 10% Sheriff's add-on fee

Who serves this house

Water: City of Florence water system; City of Florence's residential rate sheet (effective 4/1/2024) lists a quarterly admin fee and a consumption charge per HCF, each tagged BCTAX
Property tax: 1.27% of value; 2026 tax year, Boone County
Garbage: Rumpke; The City of Florence has a solid waste contract with Rumpke
Sewer: City of Florence; Quarterly admin fee plus a charge per HCF

Pay or manage your bills

Your water

Pipes: The City of Florence Drinking Water Distribution System consists of 153 miles of water lines and 8,876 metering devices.
Unit: The city's rate sheet defines 1 HCF as 748 gallons.

How these numbers are made

Tax: state 10.3¢, Boone County 8.2¢, Boone County Schools 64.6¢, library 4.1¢, extension 1.55¢, health 2.0¢, Florence Fire 15.0¢ and City of Florence 21.4¢ per $100 of the Boone County PVA assessment (the library, extension, health and fire rates are the 2025 worksheet figures). The starting value is the Census median, not an assessed value. Water, sewer and storm fees come from the city's residential rate sheet dated 4/1/2024: quarterly fees divided by 3; the 3% school tax the sheet applies to water charges (about $17 a year at typical use) is not added, so the water line runs about 3% low. Trash is the Rumpke waste plus recycling rate. Electric and gas follow Duke Energy Kentucky's Rate RS as modeled for neighboring Erlanger. Insurance is the Kentucky statewide HO-3 average for 2022, the latest year on the Triple-I page; actual premiums today may differ. Gas is modeled per therm with the Ccf rates converted at 1.037 therms per Ccf; Duke's ESM and PSM electric riders are not included. Water, sewer and storm rates are the 4/1/2024 sheet, the latest posted. The PMM pipeline rider ($0.27 per Ccf), the DSMR rider and the $0.30 monthly Home Energy Assistance charge are folded into the modeled gas rate and fixed charge; BCTAX on the water sheet is the 3% school tax.
Nothing here is legal, tax or insurance advice.

Sources

Common questions about Florence house costs

What is the property tax rate in Florence?

About 1.27% of the value before exemptions a year (2026 tax year, Boone County), plus flat charges on the same bill.

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

About $6,358 a year on $500,000 of the value before exemptions.

How much is the water bill in Florence?

About $67 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on City of Florence water system.

How much does trash pickup cost in Florence?

Rumpke collects under a contract with the city

Can seniors lower their property tax or bills in Florence?

Yes. Seniors 65+: homestead exemption: Boone County's tax bill notice says that if you are or will be 65 during the year, own and occupy the home as your primary residence, and the $49,100 homestead exemption does not appear on your bill, contact the PVA office before paying.

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

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Ways to pay less

Money dates

Who serves this house

Your water

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Common questions about Florence house costs