What a Paducah 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, $165,300; your assessed value is often lower. Typical use.
- Property tax$2,475
1.497% of $165,300
- Flat charges on the tax bill$47
911 residential parcel fee $47
- Electricity and gas$2,652
891.7 kWh a month $1,787 · 53.51 therms $788 · Paducah Independent Schools 3% utility tax $77
- Water and sewer$1,142
7,000 gallons a month on Paducah Water: water $46, sewer $49 a month
- Trash$336
Rollout cart (one rollout), $28 a month
- Home insurance$1,359
Typical premium $1,359
A Paducah house at the typical market value ($165,300) pays about $8,000 a year: $2,520 property tax and charges, $1,140 water and sewer, $340 trash, $2,650 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
Nothing here applies to every house automatically. These are worth checking:
Seniors 65+: homestead exemption$49,100 off assessed value
Kentucky homeowners who are at least 65 years of age can take $49,100 off the assessed value of their home for the 2025-2026 assessment years; taxes are figured on the rest.
How: File the Application for Exemption Under the Homestead/Disability Amendment with the McCracken County PVA, with proof of age such as a birth certificate, driver's license or passport.
Totally disabled owners: disability exemption$49,100 off assessed value
Homeowners classified as totally disabled under a federal program or a retirement system, who received disability payments for the entire assessment period, get the same $49,100 exemption for 2025-2026.
How: File the Application for Exemption Under the Homestead/Disability Amendment with the McCracken County PVA.
Can't move the trash cart? Ask about the rollout assistance programHelp with the rollout container
The City of Paducah has a program to assist people needing help with the trash rollout container. Applicants must be permanently or temporarily physically disabled so that they cannot transport their trash to the curb.
How: A statement from a licensed physician is necessary.
Money dates
- Nov 1 – Nov 30in 9 daysCity tax bills under $2,000 are due November 1 and payable without penalty and interest until November 30.
- Feb 1 – Feb 28in 101 daysOn bills of $2,000 or more, the second half payment is due February 1 and payable without penalty and interest until February 28.
Who serves this house
- Water
- Paducah Water
- Paducah Water rate schedule effective July 1, 2026, monthly rates per 1,000 gallons; the 5/8 inch minimum covers the first 1,500 gallons
- Property tax
- 1.50% of value
- 2026 tax year, Paducah city, Paducah Independent School District
- Garbage
- City of Paducah Solid Waste Division
- Weekly garbage rollout collection, billed on the monthly water bill
- Sewer
- Paducah-McCracken Joint Sewer Agency (JSA)
- JSA sewer charges are listed on the monthly Paducah Water statement
- Electricity
- Paducah Power System
- Residential customer charge $20.50 a month plus .14397 per kWh including the power cost adjustment
- Gas
- Atmos Energy
- Rate G-1: $25.00 a month plus $7.1856 per Mcf for the first 300 Mcf
- Schools
- Paducah Independent Schools or McCracken County Schools
- Depends on where in the city you live
Your water
- Source
- The water supply for Paducah Water customers is sourced from the Ohio River, under the influence of the Tennessee River.
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 Florence house paysWhat a Winchester house paysWhat a Murray house pays
How these numbers are made
- Property tax: city 25.3 cents (2026-2027), Paducah Junior College 1.4 cents (FY2026 notice) and the PVA's 2026 county rate of 36.8 cents per $100 (state, county, health and other county-bill levies), plus the Paducah Independent school rate taken as the PVA's 2026 city-district rate of 112.9 cents less the city and college parts, 86.2 cents. The school rate was not final as of October 14, 2026, so it may change. The starting value is the Census median value of owner-occupied homes, $165,300; your PVA assessment may differ. The $49,100 homestead exemption is for owners 65 and older or totally disabled, so it is a tip, not taken off the typical bill.
- About 54% of the city's real-estate assessment (west Paducah) is in the McCracken County school district, which pays 51.8 cents to the county schools instead of Paducah Independent. We model the Paducah Independent area; the city says fewer households are in the county school district.
- Water and sewer: Paducah Water rates effective July 1, 2026 in thousand gallons (5/8 inch minimum $13.74 plus $5.81 capital fee, which cover the first 1,500 gallons; we enter the base as $11.86, which is $19.55 less 1.5 thousand gallons at $5.13, so the first 1,500 gallons are not billed twice) and Joint Sewer Agency charges ($21.72 covers the first 3,000 gallons, then $7.24 per 1,000). No typical use is published, so the page starts at its default.
- Trash: $28.00 a month for one rollout, billed on the water bill. Electricity: Paducah Power System $20.50 plus .14397 per kWh (the power cost adjustment is currently a credit and changes quarterly); starting use is EIA 2024 residential sales per customer (about 892 kWh a month). Gas: Atmos G-1 as in other Kentucky cities, converted at 10.37 therms per Mcf.
- Utility tax: Paducah Independent Schools levies a 3% utility tax in the state's 2026 table, applied here to electricity and gas for the Paducah Independent area; the state's April 30, 2026 table lists it as 3 in the Utility column for district 476. Homes in the McCracken County school district are not modeled and may be taxed differently. Insurance is the 2022 Kentucky average HO-3 premium (NAIC via Triple-I), the newest year on that table; it is an old statewide figure and is likely low for today. The 911 parcel fee ($47 per year for a residential unit) is on the city bill.
- Rollout-assistance phone 270-444-8511 (Public Works) is listed for pay piles, not this program; omitted. McCracken County PVA sets assessed values (modelling note).
- Figures model a home in the Paducah Independent school district area.
- Nothing here is legal, tax or insurance advice.
- Paducah Water rate schedule
- Joint Sewer Agency rates
- City of Paducah solid waste
- Paducah Power System rates
- City of Paducah property tax
- McCracken PVA tax rates
- City FY2026 property tax notice
- Paducah Water CCR 2026
- Atmos tariff
- KDE tax rates
- KY homestead exemption
- 911 parcel fee
- Census median value
- EIA utility sales
- III premiums
- Paducah Water about
- EIA gas consumption
- EIA gas consumers
How Paducah compares
A typical Paducah house against the 23 Kentucky cities we cover, using the same default numbers as the total above.
| Per year | Paducah | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 1.50% | 1.26% | higher than 19 of the other 22 Kentucky cities we cover |
| Water | $557 | $535 | higher than 16 of the other 22 Kentucky cities we cover |
| Sewer and utility-bill fees | $585 | $745 | lower than 17 of the other 22 Kentucky cities we cover |
| Trash | $336 | $230 | higher than 11 of the other 12 Kentucky cities we cover |
| Electricity and gas | $2,652 | $2,652 | in the middle of 22 other Kentucky cities we cover |
| Home insurance | $1,359 | $1,359 | in the middle of 21 other Kentucky cities we cover |
| Total | $8,010 | $8,268 | lower than 15 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: Paducah's property tax rate is 1.50%, higher than 19 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 Paducah is 1.50%, higher than 19 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 $585 a year, lower than 17 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 $585 a year, lower than 17 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 $336 a year for the standard cart, higher 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 $336 a year for the standard cart, higher 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?"
Common questions about Paducah house costs
What is the property tax rate in Paducah?
About 1.50% of the value before exemptions a year (2026 tax year, Paducah city, Paducah Independent School District), plus flat charges on the same bill (911 residential parcel fee $47).
How much is property tax on a $500,000 house in Paducah?
About $7,532 a year on $500,000 of the value before exemptions, including $47 of flat charges.
How much is the water bill in Paducah?
About $95 a month for water and sewer at typical use (7,000 gallons a month) on Paducah Water.
How much does trash pickup cost in Paducah?
$28 a month for a house.
Can seniors lower their property tax or bills in Paducah?
Yes. Seniors 65+: homestead exemption: Kentucky homeowners who are at least 65 years of age can take $49,100 off the assessed value of their home for the 2025-2026 assessment years; taxes are figured on the rest.
Where can I get help paying utility bills in Paducah?
Can't move the trash cart? Ask about the rollout assistance program: The City of Paducah has a program to assist people needing help with the trash rollout container. Applicants must be permanently or temporarily physically disabled so that they cannot transport their trash to the curb. A statement from a licensed physician is necessary.
How much does a house in Paducah cost to run each year?
A Paducah house at the typical market value ($165,300) pays about $8,000 a year: $2,520 property tax and charges, $1,140 water and sewer, $340 trash, $2,650 electricity and gas, $1,360 home insurance. Estimated from public rates, not anyone's actual bill.