What a Murray 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.
Starts at the typical market value, $195,000; your assessed value is often lower. Typical use.
- Property tax$1,923
0.986% of $195,000
- Electricity$1,551
868 kWh a month $1,551
- Water and sewer$751
7,000 gallons a month on Murray Water System: water $34, sewer $25, stormwater fee $4 a month
- Trash$180
96-gallon cart, $15 a month
- Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.
A Murray house at the typical market value ($195,000) pays about $4,400 a year: $1,920 property tax and charges, $750 water and sewer, $180 trash, $1,550 electricity; home insurance is not included (no typical premium yet). 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:
Age 65+: homestead exemption$49,100 off assessed value
Homeowners at least 65 years of age can take $49,100 off the assessed value of their home for the 2025-2026 assessment years.
How: File the homestead exemption application with the county property valuation administrator (PVA).
Seniors 65+ living alone: reduced trash rate$9.00 a month instead of $15.00
A reduced sanitation rate of $9.00 per month is available for residents 65 years of age or older who live alone.
How: Contact the Sanitation Department at 270-762-0380.
Pay by November 1 for 2% off2% discount if bills are mailed by October 1
If tax bills are mailed by October 1, taxpayers have until November 1 to pay their bill with a 2% discount.
How: Pay the county tax bill by November 1.
Money dates
- Nov 1in 9 daysLast day for the 2% discount on the tax bill when bills are mailed by October 1.
Who serves this house
- Water
- Murray Water System
- Inside-city rates from the City of Murray code, effective 1/1/26 to 12/31/26
- Property tax
- 0.99% of value
- 2026 tax year, Murray Independent school district
- Garbage
- GFL Environmental Inc.
- Residential collection in Murray city limits since April 1, 2026; $15.00 a month
- Electricity
- Murray Electric System
- Residential: $25.51 per month plus $0.11956 per kWh, adjusted under TVA's addendum
- Schools
- Murray Independent School District
- Real estate tax rate 69.2 cents per $100 valuation
Other KY cities
What a Louisville house paysWhat a Independence house paysWhat a Lexington house paysWhat a Georgetown house paysWhat a Shelbyville house paysWhat a Bowling Green house paysWhat a Fort Thomas house paysWhat a Covington house paysWhat a Erlanger house paysWhat a Mount Washington house paysWhat a St. Matthews house paysWhat a Elizabethtown house paysWhat a Richmond house paysWhat a Versailles house paysWhat a Bardstown house paysWhat a Lyndon house paysWhat a Shepherdsville house paysWhat a Alexandria house paysWhat a Nicholasville house paysWhat a Paducah house paysWhat a Florence house paysWhat a Winchester house pays
How these numbers are made
- Property tax: city 29.44 cents (first reading, Sept 2026) and Murray Independent 69.2 cents per $100; county and state rates are not included, so property tax is understated. Start value is the Census median, $195,000.
- Water: inside-city 2026 rates per 1,000 gallons; minimum $14.80 covers 2,000 gallons. Sewer: only the pre-2026 minimum ($25.14) was found; per-1,000-gallon sewer charges were not published where we could read them, so sewer is understated.
- Electricity: base rates only; TVA fuel/adjustment charges vary monthly. Gas is not shown.
- Trash $15.00 (GFL since April 2026) and stormwater $3.50 a month. Insurance not included.
- Nothing here is legal, tax or insurance advice.
How Murray compares
A typical Murray house against the 23 Kentucky cities we cover, using the same default numbers as the total above.
| Per year | Murray | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 0.99% | 1.26% | lower than 20 of the other 22 Kentucky cities we cover |
| Water | $407 | $535 | lower than 16 of the other 22 Kentucky cities we cover |
| Sewer and utility-bill fees | $344 | $745 | lower than 21 of the other 22 Kentucky cities we cover |
| Trash | $180 | $230 | lower than 11 of the other 12 Kentucky cities we cover |
| Electricity and gas | $1,551 | $2,652 | lower than 19 of the other 22 Kentucky cities we cover |
| Total | $4,406 | $8,268 | lower than 22 of the other 22 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: Murray's property tax rate is 0.99%, lower than 20 of the other 22 Kentucky cities we cover. The rate adds up every agency on the bill, not only the city.
Ask: "Property tax in Murray is 0.99%, lower than 20 of the other 22 Kentucky cities we cover. What should that money pay for first, and would you change anything about how it is set?"
2. Sewer and utility-bill fees
The fact: Sewer and flat utility-bill charges here come to about $344 a year, lower than 21 of the other 22 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 $344 a year, lower than 21 of the other 22 Kentucky cities we cover. What drives that cost, and would you change anything?"
3. Trash
The fact: Trash pickup here costs about $180 a year for the standard cart, lower than 11 of the other 12 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 $180 a year for the standard cart, lower than 11 of the other 12 Kentucky cities we cover. What drives that cost, and would you change anything about the service or the price?"
4. Electricity and gas
The fact: Electricity and gas for a typical house here cost about $1,551 a year, lower than 19 of the other 22 Kentucky cities we cover. Rates are set mostly by the utility and the state.
Ask: "Electricity and gas here cost about $1,551 a year for a typical house, lower than 19 of the other 22 Kentucky cities we cover. Which parts of that can the city influence, and what would you do about them?"
Common questions about Murray house costs
What is the property tax rate in Murray?
About 0.99% of the value before exemptions a year (2026 tax year, Murray Independent school district), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Murray?
About $4,932 a year on $500,000 of the value before exemptions.
How much is the water bill in Murray?
About $63 a month for water and sewer at typical use (7,000 gallons a month) on Murray Water System.
How much does trash pickup cost in Murray?
$15 a month for a house.
Can seniors lower their property tax or bills in Murray?
Yes. Age 65+: homestead exemption: Homeowners at least 65 years of age can take $49,100 off the assessed value of their home for the 2025-2026 assessment years.
How much does a house in Murray cost to run each year?
A Murray house at the typical market value ($195,000) pays about $4,400 a year: $1,920 property tax and charges, $750 water and sewer, $180 trash, $1,550 electricity; home insurance is not included (no typical premium yet). Estimated from public rates, not anyone's actual bill.