What a Hopkinsville 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, $172,100; your assessed value is often lower. Typical use.
- Property tax$1,607
0.934% of $172,100
- Electricity and gas$2,637
992.8 kWh a month $1,505 · 53.51 therms $1,132
- Water and sewer$1,422
9 units (CCF) a month on Hopkinsville Water Environment Authority: water $43, sewer $72, surface & stormwater utility (single-family residential) $3 a month
- Trash$300
96-gallon container, $25 a month
- Home insurance$1,359
Typical premium $1,359
A Hopkinsville house at the typical market value ($172,100) costs about $7,300 a year: $1,610 property tax and charges, $1,420 water and sewer, $300 trash, $2,640 electricity and gas, $1,360 home insurance. Estimated from public rates, not anyone's actual bill.
Rates checked Oct 28, 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 $344 a year:
Bring water use down to 3 units
$344 a yearAbove 3 units a month, Hopkinsville Water Environment Authority charges $4.78 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 exemptionReduces assessed value
Kentucky homeowners who are at least 65 years of age or who are classified as totally disabled and meet other requirements are eligible for the homestead exemption.
How: File the application with the property valuation administrator (PVA) of the county where the property is located.
Pay city property tax early: 2% discount2% off city taxes paid by Oct 31
Hopkinsville allows a 2% discount on city taxes of $1.00 or more paid by October 31, 2026.
Money dates
- Nov 1 – Nov 30, 2026todayHopkinsville city tax bills are collected November 1 through November 30, 2026; unpaid taxes get a flat 10% penalty from December 1, 2026.
Who serves this house
- Water
- Hopkinsville Water Environment Authority
- Hopkinsville Division: minimum bill of $14.34 for 300 cubic feet or less, then $4.78 per 100 cubic feet
- Property tax
- 0.93% of value
- 2026 tax year, Christian County
- Garbage
- Hopkinsville Solid Waste Enterprise
- One 96-gallon container, $25.00 a month for the first container
- Water and sewer
- Hopkinsville Water Environment Authority (HWEA)
- Hopkinsville Division rate schedule effective October 1, 2026
- Electricity
- Hopkinsville Electric System (HES)
- Residential customer charge $35.46 plus per-kWh charge
- Gas
- Atmos Energy
- Residential (G-1) $25.00 per meter per month plus Mcf charges
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 costsElizabethtown home costsRichmond home costsVersailles home costsBardstown home costsLyndon home costsShepherdsville home costsAlexandria home costsNicholasville home costsPaducah home costsFlorence home costsWinchester home costsMurray home costsOwensboro home costsFrankfort home costsHenderson home costsJeffersontown home costsMadisonville home costsBerea home costsNewport home costsLa Grange home costs
How these numbers are made
- Property tax: city 20.2 cents (2026-27 ordinance), state 10.6 (2025 rate book; 2026 book not published yet), county-wide total 22.6 (fiscal court 16.7 + health 3.2 + extension 2.3 + soil conservation 0.4, adopted for 2026-27), Christian County Schools 40.0 cents per $100 (board vote Aug 20, 2026). Starting value is the Census median value, not an assessor figure.
- Water: HWEA Hopkinsville Division from Oct 1, 2026: $14.34 minimum covers the first 300 cubic feet, then $4.78 per 100 cubic feet. Sewer: $24.14 minimum covers the first 300 cubic feet, then $8.05 per 100 cubic feet (the next sewer increase starts April 1, 2027). The HWEA rate card also lists a 2% city PILOT on water and sewer, not added here.
- Trash $25.00 a month and stormwater $3.00 a month are the city's published rates. Electricity: HES effective 10/01/2026 total of $0.09057 per kWh; use is EIA's average residential sales per HES customer.
- Gas: Atmos G-1 with the gas cost adjustment, per therm at 10.37 therms per Mcf; therm use is the EIA Kentucky residential average. HWEA also runs a small natural gas utility, not modelled. Insurance is the 2022 Kentucky average, old.
- Nothing here is legal, tax or insurance advice.
How Hopkinsville compares
A typical Hopkinsville house against the 32 Kentucky cities we cover, using the same default numbers as the total above.
| Per year | Hopkinsville | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 0.93% | 1.28% | lower than 30 of the other 31 Kentucky cities we cover |
| Water | $516 | $535 | lower than 19 of the other 31 Kentucky cities we cover |
| Sewer and utility-bill fees | $905 | $745 | higher than 23 of the other 31 Kentucky cities we cover |
| Trash | $300 | $216 | higher than 19 of the other 22 Kentucky cities we cover |
| Electricity and gas | $2,637 | $2,612 | higher than 16 of the other 31 Kentucky cities we cover |
| Home insurance | $1,359 | $1,359 | lower than 1 of the other 29 Kentucky cities we cover |
| Total | $7,325 | $8,208 | lower than 26 of the other 31 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: Hopkinsville's property tax rate is 0.93%, lower than 30 of the other 31 Kentucky cities we cover. The rate adds up every agency on the bill, not only the city.
Ask: "Property tax in Hopkinsville is 0.93%, lower than 30 of the other 31 Kentucky cities we cover. What should that money pay for first, and would you change anything about how it is set?"
2. Trash
The fact: Trash pickup here costs about $300 a year for the standard cart, higher than 19 of the other 22 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 $300 a year for the standard cart, higher than 19 of the other 22 Kentucky cities we cover. What drives that cost, and would you change anything about the service or the price?"
Common questions about Hopkinsville house costs
What is the property tax rate in Hopkinsville?
About 0.93% of the value before exemptions a year (2026 tax year, Christian County), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Hopkinsville?
About $4,670 a year on $500,000 of the value before exemptions.
How much is the water bill in Hopkinsville?
About $118 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on Hopkinsville Water Environment Authority.
How much does trash pickup cost in Hopkinsville?
$25 a month for a house.
Can seniors lower their property tax or bills in Hopkinsville?
Yes. Seniors 65+ or totally disabled: homestead exemption: Kentucky homeowners who are at least 65 years of age or who are classified as totally disabled and meet other requirements are eligible for the homestead exemption.
How much does a house in Hopkinsville cost to run each year?
A Hopkinsville house at the typical market value ($172,100) costs about $7,300 a year: $1,610 property tax and charges, $1,420 water and sewer, $300 trash, $2,640 electricity and gas, $1,360 home insurance. Estimated from public rates, not anyone's actual bill.