What a Madisonville 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, $164,100; your assessed value is often lower. Typical use.
- Property tax$1,787
1.089% of $164,100
- Electricity and gas$2,281
899.8 kWh a month $1,148 · 53.51 therms $1,132
- Water and sewer$1,576
7,000 gallons a month on Madisonville Municipal Utilities: water $53, sewer $78 a month
- Trash$299
Residential toter, $25 a month
- Home insurance$1,359
Typical premium $1,359
A Madisonville house at the typical market value ($164,100) costs about $7,300 a year: $1,790 property tax and charges, $1,580 water and sewer, $300 trash, $2,280 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
Nothing here applies to every house automatically. These are 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.
Who serves this house
- Water
- Madisonville Municipal Utilities
- Inside City: $13.00 for first 1,000 gallons, $6.98 for next 19,000 gallons and $5.53 for over 20,000 gallons.
- Property tax
- 1.09% of value
- 2026 tax year, Hopkins County
- Garbage
- Madisonville Sanitation Department
- Residential customer charge is $24.95 per month.
- Electricity
- Madisonville Municipal Utilities
- $6.00 customer 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 costsHopkinsville home costsFrankfort home costsHenderson home costsJeffersontown home costsBerea home costsNewport home costsLa Grange home costs
How these numbers are made
- Property tax: city 10.4 cents, county total 20.2 cents (fiscal court 13.2 + health 3.9 + extension 3.1) and Hopkins County Schools 68.0 cents per $100, all 2026 rates except health (3.9 cents is the 2025 rate book figure; no 2026 health rate found); state 10.3 cents is the 2026 rate. Library, soil conservation or other special districts were not found in the 2025 rate book text and are not included. Starting value is the Census median value, not an assessor figure.
- Water and sewer are MMU's inside-city rates; water has its $13.00 minimum covering the first 1,000 gallons, sewer $23.26 covering the first 2,000 gallons.
- Electricity: MMU's published energy charge of $0.09968 per kWh; the monthly PCA is not published on the MMU page and is excluded, so bills may run higher or lower. Use is the EIA average per customer (2024, MMU residential).
- 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. Insurance is the 2022 Kentucky average, the newest NAIC/Triple-I state table published.
- Nothing here is legal, tax or insurance advice.
- MMU water rates
- MMU sewer rates
- MMU sanitation
- MMU electric
- MMU utilities
- KY 2025 property tax rate book
- KY 2026 state rate
- EIA residential sales by utility 2024
- Atmos tariff
- Census median value
- KY homestead exemption
- Triple-I premiums
- EIA KY gas
- WFMW: Madisonville 2026 tax ordinance
- Messenger: Hopkins fiscal court 2026 rates
- Messenger: Extension district 2026 rates
- Hopkins County Schools 2026 rate
How Madisonville compares
A typical Madisonville house against the 32 Kentucky cities we cover, using the same default numbers as the total above.
| Per year | Madisonville | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 1.09% | 1.28% | lower than 25 of the other 31 Kentucky cities we cover |
| Water | $636 | $535 | higher than 26 of the other 31 Kentucky cities we cover |
| Sewer and utility-bill fees | $940 | $745 | higher than 24 of the other 31 Kentucky cities we cover |
| Trash | $299 | $216 | higher than 18 of the other 22 Kentucky cities we cover |
| Electricity and gas | $2,281 | $2,612 | lower than 22 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 | $7,302 | $8,208 | lower than 28 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: Madisonville's property tax rate is 1.09%, lower than 25 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 Madisonville is 1.09%, lower than 25 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. Water
The fact: Water here costs about $636 a year at typical use, higher than 26 of the other 31 Kentucky cities we cover.
Ask: "Water here costs about $636 a year at typical use, higher than 26 of the other 31 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 $940 a year, higher than 24 of the other 31 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 $940 a year, higher than 24 of the other 31 Kentucky cities we cover. What drives that cost, and would you change anything?"
4. Trash
The fact: Trash pickup here costs about $299 a year for the standard cart, higher than 18 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 $299 a year for the standard cart, higher than 18 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 Madisonville house costs
What is the property tax rate in Madisonville?
About 1.09% of the value before exemptions a year (2026 tax year, Hopkins County), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Madisonville?
About $5,445 a year on $500,000 of the value before exemptions.
How much is the water bill in Madisonville?
About $131 a month for water and sewer at typical use (7,000 gallons a month) on Madisonville Municipal Utilities.
How much does trash pickup cost in Madisonville?
$25 a month for a house.
Can seniors lower their property tax or bills in Madisonville?
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 Madisonville cost to run each year?
A Madisonville house at the typical market value ($164,100) costs about $7,300 a year: $1,790 property tax and charges, $1,580 water and sewer, $300 trash, $2,280 electricity and gas, $1,360 home insurance. Estimated from public rates, not anyone's actual bill.