Georgetown, KY · Updated Oct 2026

What a Georgetown 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 Georgetown house

$8,924a year · $744 a month

Starts at the typical market value, $265,400; your assessed value is often lower. Typical use.

Property tax$2,517
0.948% of $265,400
Electricity and gas$2,751
1097.1 kWh a month $1,688 · 53.51 therms $983 · Scott County Schools 3% utility tax $80
Water and sewer$2,085
7,000 gallons a month on Georgetown Municipal Water and Sewer Service: water $81, sewer $84, city of georgetown 911 service fee $8 a month
Trash$212
One waste cart + recycling cart (base rate), $18 a month
Home insurance$1,359
Typical premium $1,359

A Georgetown house at the typical market value ($265,400) pays about $8,900 a year: $2,520 property tax and charges, $2,090 water and sewer, $210 trash, $2,750 electricity and gas, $1,360 home insurance. 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

One change saves this house about $1,190 a year:

Bring water use down to 3 units
$1,190 a year
Above 3 units a month, Georgetown Municipal Water and Sewer Service charges $16.52 a unit instead of $0.00.
How: Most of the top tier is outdoor watering: fix leaks and water less often in summer.

Worth checking

Seniors 65+ or totally disabled: homestead exemption$49,100 off assessed value
Homeowners who are at least 65, or who are classified as totally disabled and meet the other requirements, can take $49,100 (the 2025-2026 amount) off the assessed value of their home. Disability-based exemptions must be renewed each year unless an exception applies.
How: File a homestead application with the PVA of the county where the home is (for Georgetown, the Scott County PVA); proof of age can be a birth certificate, driver's license, passport or other approved document.
Seniors 65+: 10% off water and sewer10% off the water and sewer charges
GMWSS customers 65 or older get 10% off the water and sanitary sewer portions of the bill at their primary residence. It does not apply to the garbage fee, the 911 fee, late fees or taxes.
How: Show proof of age and residence to GMWSS Customer Service.
Ask about Republic's senior trash rate$14.73 a month instead of $17.65
GMWSS's garbage rate table lists a Republic residential Senior Rate of $14.73 a month, compared with the $17.65 base rate.
How: Garbage service questions go to Republic Services at 502.209.3800.
Leak or pool-fill bill adjustmentAdjustment on the GMWSS bill
GMWSS will adjust your bill after a water line break once it is fixed and you can show proof of the repair, such as a plumber's statement: one leak adjustment a year and two in five years, and none for toilet leaks. Filling a pool or watering new landscaping: GMWSS adjusts the sewer portion to your average sewer usage for one month.
How: Use GMWSS's residential leak adjustment form or call (502) 863-7816.
Free bulky item pickup every weekOne bulky item a week at no cost
Republic Services collects one bulk item per week at no cost; additional bulk pickups are billed by Republic at $25. Bagged leaves and 4-foot bundled sticks or brush can go out as bulk items.
How: Contact Republic at 502.209.3800 before setting the item out.
Transfer station vouchers: up to 4 drop-offs a year4 household-waste drop-offs a year
Scott County's household waste voucher program, run with the City of Georgetown and Rumpke, lets Scott County residents use the Rumpke transfer station at 245 West Yusen Drive for household waste up to four times a year, with loads limited to a pickup truck bed or a single-axle trailer. One voucher per household, reset each July 1.
How: Register online with Scott County for a voucher number, then show a valid ID and the number at the scale house.
Pay the county tax bill early for 2% off2% off the county bill
Kentucky law gives a 2% discount on property taxes paid in full by November 1; when the regular schedule is delayed, an alternative schedule allows 2% off bills paid in full within one full month of mailing. The Scott County Sheriff normally mails tax bills on November 1, and the bill says when the taxes are due.
How: Check the dates on your Scott County Sheriff tax bill; questions: (502) 863-7855.

Adjust to match your bills

What you knowTrash cartRepublic's base rate covers one waste cart (collected once a week) and one recycling cart (every other week). A second waste cart is $4.50 a month more.

Value before exemptionsKentucky PVAs assess homes at fair cash (market) value, so your Scott County PVA assessment is the value to enter. Georgetown homes get two bills: the Scott County Sheriff's bill (county combined rate, 88.72 cents per $100) and the City of Georgetown's bill (6.1 cents per $100).

Home insurance, a yearFrom your policy. We start at $1,359, Kentucky statewide average HO-3 homeowners premium for 2022 (NAIC data via Triple-I).

Your use

Water, thousands of gallons a month

On your water bill. A typical house uses 5,000–8,000 gallons.

Electricity, kWh a month

On your Kentucky Utilities (KU) bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

Nov 1 (normally)in 9 daysThe Scott County Sheriff normally mails county property tax bills; the bill says when the taxes are due and what to do to avoid penalties.
Jan 1, 2027in 70 daysCity of Georgetown tax bills unpaid on January 1, 2027 get a 15% penalty (20% after January 31, 2027); bills not paid before March 1, 2027 also get 1% interest a month.
Jan 1in 70 daysHomestead exemption eligibility is set as of January 1: you must be in the home on that date.
May (inspection period)To contest your assessment, schedule a conference with the PVA before the tax roll inspection period ends (normally the third Monday in May); if you don't agree, file an appeal with the county clerk no later than one workday after it closes.

Who serves this house

Water: Georgetown Municipal Water and Sewer Service; GMWSS rates effective March 1, 2026 to February 28, 2027: a $22.90 minimum monthly bill covers the first 2,000 gallons, then $12.3593 per 1,000 gallons; meters are read monthly
Property tax: 0.95% of value; 2026 tax year, Scott County
Garbage: Republic Services (billed by GMWSS for the City of Georgetown); Base rate $17.65 a month for one waste cart and one recycling cart, from February 1, 2026
Sewer: Georgetown Municipal Water and Sewer Service (GMWSS); $21.09 minimum monthly bill for the first 2,000 gallons, then $13.3780 per 1,000 gallons
Electricity: Kentucky Utilities (KU); Rate RS residential service: $0.58 basic service charge a day
Gas: Columbia Gas of Kentucky; Rate Schedule GSR residential: $21.25 customer charge per billing period
Schools: Scott County Schools; General fund tax rate of 63.1 cents on real and personal property, levied at a Sept. 3 meeting

Pay or manage your bills

Your water

Source: The source is Royal Spring, classified as groundwater under the direct influence of surface water, supplemented daily by treated surface water bought from Frankfort Plant Board.
Hardness: GMWSS says its water averages about 250 parts per million of minerals, or 15 grains per gallon.

Other KY cities

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How these numbers are made

Property tax: the 2026 rates for a home inside Georgetown, 94.82 cents per $100 in all: the state 10.3 cents, Scott County Fiscal Court 5.13, Scott County Schools 63.1 (adopted September 3, 2026), the City of Georgetown 6.1 (the compensating rate the council adopted in September 2026) and 10.19 cents for the library, health and extension districts together. That last figure is the Scott County PVA's 2026 county combined rate (88.72 cents, as reported by the News-Graphic) less the state, county and school rates; we did not find the three districts' separate 2026 rates. The county part is billed by the Scott County Sheriff and the city part by the City Clerk-Treasurer on a separate bill.
The starting value is the Census ACS 2020-2024 median value of owner-occupied homes in Georgetown, $265,400; 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.
Water and sewer: GMWSS rates effective March 1, 2026: water $22.90 for the first 2,000 gallons and $12.3593 per 1,000 gallons above that; sewer $21.09 for the first 2,000 gallons and $13.3780 per 1,000 gallons above that, applied to the water use you enter (9 CCF, about 6,700 gallons, to start, since GMWSS publishes no typical household use). GMWSS's published schedule raises these rates again in March 2027 and 2028. Some homes get water from Kentucky American Water and only sewer and garbage from GMWSS; they are not modeled. Trash is Republic's $17.65 monthly base rate (one waste and one recycling cart), billed by GMWSS; the city's $8.00 monthly 911 Service Fee on the same bill is counted as a utility fee. We found no separate stormwater fee.
Electricity: KU Rate RS, $0.58 a day (about $17.64 a month) and $0.11234 per kWh, plus the August 2026 billing adjustments (fuel adjustment -$0.00188 and DSM $0.00154 per kWh; environmental cost recovery -0.11%, applied to the whole bill) and the $0.30 Home Energy Assistance charge. These adjustments change every month. KU's franchise agreement with Georgetown is on file with the PSC, but we did not find the franchise fee percentage, so no franchise fee is included. Starting use is KU's 2024 Kentucky residential average from EIA (about 1,097 kWh a month). Parts of Scott County outside the city may be served by an electric cooperative instead.
Gas: Columbia Gas of Kentucky Rate GSR, $21.25 per billing period plus the $0.30 Energy Assistance Program surcharge and $0.07 energy efficiency charge, and $10.3372 per Mcf (delivery charge and gas cost adjustment) plus the SMRP rider ($1.3382) and research and development charge ($0.0125), converted to therms at 10.37 therms per Mcf. The gas cost adjustment changes during the year; no Georgetown gas franchise fee is included (we did not find its rate). Starting use is Kentucky's 2025 residential average from EIA (about 54 therms a month). Utility tax: Scott County Schools levies a 3% utility gross receipts license tax (2025-26, the latest year in the state's table), added here to electricity and gas; we did not confirm whether GMWSS adds it to water, so it is not added there.
Insurance is the 2022 Kentucky statewide average HO-3 premium (NAIC data via Triple-I), about four years old; we did not find a newer NAIC figure for Kentucky, so treat it as a rough starting point and replace it with your own premium. Kentucky cities and counties may also levy a tax on insurance premiums, which is not included.
Nothing here is legal, tax or insurance advice.

Sources

How Georgetown compares

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

Per year	Georgetown	Median	Where it falls
Property tax rate	0.95%	1.32%	lower than 10 of the other 10 Kentucky cities we cover
Water	$977	$535	higher than 10 of the other 10 Kentucky cities we cover
Sewer and utility-bill fees	$1,109	$745	higher than 10 of the other 10 Kentucky cities we cover
Trash	$212	$235	lower than 4 of the other 5 Kentucky cities we cover
Electricity and gas	$2,751	$2,751	in the middle of 10 other Kentucky cities we cover
Home insurance	$1,359	$1,359	in the middle of 10 other Kentucky cities we cover
Total	$8,924	$8,812	higher than 6 of the other 10 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: Georgetown's property tax rate is 0.95%, lower than 10 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 Georgetown is 0.95%, lower than 10 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. Water

The fact: Water here costs about $977 a year at typical use, higher than 10 of the other 10 Kentucky cities we cover.

Ask: "Water here costs about $977 a year at typical use, higher than 10 of the other 10 Kentucky cities we cover. What drives that cost, and would you change anything?"

3. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $1,109 a year, higher than 10 of the other 10 Kentucky cities we cover. Some cities bill sewer on the property tax bill instead, which is not counted here.

Ask: "Sewer and flat utility-bill charges here cost about $1,109 a year, higher than 10 of the other 10 Kentucky cities we cover. What drives that cost, and would you change anything?"

4. Trash

The fact: Trash pickup here costs about $212 a year for the standard cart, lower than 4 of the other 5 Kentucky cities we cover. Where trash is billed through the tax bill or a separate hauler, it is not counted here.

Ask: "Trash pickup here costs about $212 a year for the standard cart, lower than 4 of the other 5 Kentucky cities we cover. What drives that cost, and would you change anything about the service or the price?"

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Common questions about Georgetown house costs

What is the property tax rate in Georgetown?

About 0.95% of the value before exemptions a year (2026 tax year, Scott County), plus flat charges on the same bill.

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

About $4,741 a year on $500,000 of the value before exemptions.

How much is the water bill in Georgetown?

About $174 a month for water and sewer at typical use (7,000 gallons a month) on Georgetown Municipal Water and Sewer Service.

How much does trash pickup cost in Georgetown?

$18 to $22 a month, depending on the trash cart size (One waste cart + recycling cart (base rate), Two waste carts + recycling cart).

When is property tax due in Georgetown?

Nov 1 (normally): The Scott County Sheriff normally mails county property tax bills; the bill says when the taxes are due and what to do to avoid penalties.

Can seniors lower their property tax or bills in Georgetown?

Yes. Seniors 65+ or totally disabled: homestead exemption: Homeowners who are at least 65, or who are classified as totally disabled and meet the other requirements, can take $49,100 (the 2025-2026 amount) off the assessed value of their home. Disability-based exemptions must be renewed each year unless an exception applies.

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

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