Jeffersontown, KY · Updated Oct 2026

What a Jeffersontown 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.

Example · a Jeffersontown house

$8,378a year · $698 a month

Starts at the typical market value, $250,700; your assessed value is often lower. Typical use.

Property tax$3,085
1.231% of $250,700
Electricity and gas$2,551
910.8 kWh a month $1,476 · 53.51 therms $1,076
Water and sewer$1,216
4,000 gallons a month on Louisville Water Company: water $31, sewer $71 a month
TrashIncluded
Paid through the city property tax; no separate trash fee
Home insurance$1,525
Typical premium $1,525

A Jeffersontown house at the typical market value ($250,700) costs about $8,400 a year: $3,090 property tax and charges, $1,220 water and sewer, $2,550 electricity and gas, $1,530 home insurance; trash is paid through property tax. 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

Nothing here applies to every house automatically. These are worth checking:

Seniors 65+: homestead exemption$49,100 off assessed value
Owners 65 or older who own and live in the home as their primary residence on January 1 can take $49,100 (2025-2026 amount) off their assessed value. You do not have to reapply every year.
How: Apply online with the Jefferson County PVA or mail the homestead application with a copy of your Jefferson County driver's license or ID. Questions: 502-574-6380.
Totally disabled owners: disability exemption$49,100 off assessed value
Owners who have been classified as totally disabled for the entire year, received disability payments under that classification, and own and live in the home as their primary residence on January 1 can take $49,100 (2025-2026 amount) off their assessed value. Only one exemption (homestead or disability) is allowed per household.
How: Apply with the Jefferson County PVA before December 31 with a copy of your disability award letter.
City of Jeffersontown: 2% discount on the city tax bill if paid by October 312% off the city bill
The city mails its own real estate tax bill in the first week of October; paying on or before October 31 earns a 2% discount.
How: Pay through the 'View and Pay Property Tax' link on the city's Real Estate Tax page, by mail to the City of Jeffersontown, or at City Hall, 10416 Watterson Trail.
Pay your property tax by December 1 for a 2% discount2% off the bill
Tax bills mailed November 1 can be paid with a 2% discount through December 1; from December 2 the full face amount is due.
How: Pay online at jcsoky.org/property-tax/search, by mail to the Jefferson County Sheriff, or in person at 515 W. Market St.
Seniors 65+, income $40,000 or less: MSD sewer discount30% off wastewater charges
MSD customers 65 or older with gross household income of $40,000 or less who are the primary titleholder or leaseholder get 30% off MSD's wastewater charges.
How: Ask MSD for an application and send proof of age and of last month's household income; recertify every three years.
Low income: MSD Emergency Wastewater Rate Assistance (EWRAP)30% off wastewater charges
Beginning November 1, 2026, income-eligible residential customers may receive a thirty percent (30%) discount on the wastewater charges on their sewer bill. Participation is limited to 3,000 customers or until funding is expended; existing discount customers must reapply.
How: Apply for and be approved for the discount. Drops of Kindness (dropsofkindness.com) brings Louisville Water and MSD customer-support options together in one place.

Adjust to match your bills

What you know

Value before exemptionsRates shown are for a home inside the City of Jeffersontown: state, Louisville Metro, the city's own rate, the Jeffersontown / McMahan fire district and the school board. The Urban Services District rate does not apply here. Your PVA assessment may differ from the Census median.

Home insurance, a yearFrom your policy. We start at $1,525, Kentucky statewide average HO-3 premium for 2023: the HO-3 column of Kentucky's Total row in the NAIC Homeowners Insurance Report (Table 4, DW/HO-1/HO-2/HO-3 columns).

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 LG&E (Louisville Gas and Electric) bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

Oct 31 – Dec 31, 2026todayCity of Jeffersontown tax bill: 2% discount if paid on or before October 31; face amount due by December 31; 6% penalty and 0.5% interest a month after December 31.
Nov 1 – Dec 1todayPay the property tax bill with a 2% discount.
Dec 2 – Jan 2in 28 daysPay the property tax bill at the face (gross) amount.
Dec 31in 57 daysApply for the disability exemption before December 31.

Who serves this house

Water: Louisville Water Company; Louisville Water Company 2026 residential rates for a 5/8-inch meter: a monthly service charge plus a charge per 1,000 gallons
Property tax: 1.23% of value; 2026 tax year, Jefferson County and City of Jeffersontown
Garbage: Rumpke; Rumpke collects one bulky item per week; the city's tax pamphlet lists recycling and garbage collection among services its property tax pays for
Sewer: Louisville and Jefferson County Metropolitan Sewer District (MSD); Wastewater service charge by meter size plus a charge per 1,000 gallons
Electricity: LG&E (Louisville Gas and Electric); Rate RS residential service: $0.48 basic service charge a day
Gas: LG&E (Louisville Gas and Electric); Rate RGS residential gas service: $0.72 basic service charge a day
Schools: Jefferson County Public Schools; School real property tax rate 0.703 per $100 of assessed value

Pay or manage your bills

Your water

Source: Water comes directly from the Ohio River or from groundwater naturally filtered through the riverbank.
Hardness: Hardness (as CaCO3) was 128 ppm, or 7.5 grains per gallon.
Lead: In 2023 tap testing (the most recent required), 0 of 50 sites exceeded the lead action level; the 90th percentile was 1.1 ppb.
Violations: Zero water quality violations for the 19th straight year.

How these numbers are made

Jeffersontown is a city inside Louisville Metro. Its homes pay the state rate (10.3 cents per $100), Louisville Metro's general rate (11.64 cents), the City of Jeffersontown's own rate (10.82 cents), the Jeffersontown / McMahan fire district rate (20 cents) and the JCPS rate (70.3 cents), all 2026 rates from the Sheriff's table and the city. They do not pay the Urban Services District rate. We assume the fire district tax applies to homes in the city; the Sheriff's table names the district but not its boundary. The city bills its own tax separately (first week of October); the county bill (state, Metro, fire, school) comes November 1.
Property tax starts at the Census median value of owner-occupied homes in Jeffersontown; your PVA assessment may differ. Kentucky's $49,100 homestead exemption is only for owners 65 and older or totally disabled, so it is a tip, not taken off the typical bill. Discounts (2% city by October 31, 2% county by December 1) are not taken off the typical bill.
Water: Louisville Water Company's 2026 residential rates for a 5/8-inch meter, $17.82 a month plus $1.70 per 1,000 gallons for the first 2,000, $4.70 for the next 8,000 and $4.87 above 10,000. Starting use is Louisville Water's average customer, 4,000 gallons a month (about 5.3 CCF).
Sewer: MSD's rates from September 1, 2026, $24.48 service charge plus the $20.01 residential infrastructure surcharge a month and $6.56 per 1,000 gallons. MSD's $15.39 drainage service charge is not added: MSD's schedule defines its drainage service area as all of Jefferson County except Anchorage, Jeffersontown, St. Matthews and Shively (unless included by agreement with MSD).
Trash: Rumpke collects trash, recycling and yard waste and the city's tax pamphlet lists garbage collection among services its property tax pays for, so trash is shown as $0. Electricity and gas: LG&E Rate RS and RGS from August 14, 2026 with the August 2026 adjustments, using EIA average use. Insurance is the 2022 Kentucky average HO-3 premium (NAIC via Triple-I), dated and possibly below current premiums.
Nothing here is legal, tax or insurance advice.

Sources

How Jeffersontown compares

A typical Jeffersontown house against the 32 Kentucky cities we cover, using the same default numbers as the total above.

Per year	Jeffersontown	Median	Where it falls
Property tax rate	1.23%	1.28%	lower than 21 of the other 31 Kentucky cities we cover
Water	$367	$535	lower than 27 of the other 31 Kentucky cities we cover
Sewer and utility-bill fees	$849	$745	higher than 20 of the other 31 Kentucky cities we cover
Electricity and gas	$2,551	$2,612	lower than 17 of the other 31 Kentucky cities we cover
Home insurance	$1,525	$1,359	higher than 29 of the other 29 Kentucky cities we cover
Total	$8,378	$8,208	higher than 19 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. Water

The fact: Water here costs about $367 a year at typical use, lower than 27 of the other 31 Kentucky cities we cover.

Ask: "Water here costs about $367 a year at typical use, lower than 27 of the other 31 Kentucky cities we cover. What drives that cost, and would you change anything?"

See who is running in your city →

Common questions about Jeffersontown house costs

What is the property tax rate in Jeffersontown?

About 1.23% of the value before exemptions a year (2026 tax year, Jefferson County and City of Jeffersontown), plus flat charges on the same bill.

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

About $6,153 a year on $500,000 of the value before exemptions.

How much is the water bill in Jeffersontown?

About $101 a month for water and sewer at typical use (4,000 gallons a month) on Louisville Water Company.

How much does trash pickup cost in Jeffersontown?

Paid through the city property tax; no separate trash fee

When is property tax due in Jeffersontown?

Jan 3 – Feb 3: Unpaid property tax bills are paid with a 5% penalty. Feb 4 – Apr 15: Unpaid property tax bills carry a 10% penalty and a 10% Sheriff's add-on fee; on April 15 unpaid bills go to the County Clerk.

Can seniors lower their property tax or bills in Jeffersontown?

Yes. Seniors 65+: homestead exemption: Owners 65 or older who own and live in the home as their primary residence on January 1 can take $49,100 (2025-2026 amount) off their assessed value. You do not have to reapply every year.

Where can I get help paying utility bills in Jeffersontown?

Low income: MSD Emergency Wastewater Rate Assistance (EWRAP): Beginning November 1, 2026, income-eligible residential customers may receive a thirty percent (30%) discount on the wastewater charges on their sewer bill. Participation is limited to 3,000 customers or until funding is expended; existing discount customers must reapply. Apply for and be approved for the discount. Drops of Kindness (dropsofkindness.com) brings Louisville Water and MSD customer-support options together in one place.

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

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