St. Matthews, KY · Updated Oct 2026

What a St. Matthews 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.

Example · a St. Matthews house

$8,517a year · $710 a month

Starts at the typical market value, $338,000; your assessed value is often lower. Typical use.

Property tax$4,466
1.321% of $338,000
Electricity$1,476
910.8 kWh a month $1,476
Water and sewer$1,216
4,000 gallons a month on Louisville Water Company: water $31, sewer $71 a month
TrashIncluded
Recycling is available to all residents of the city for no additional fee
Home insurance$1,359
Typical premium $1,359

A St. Matthews house at the typical market value ($338,000) pays about $8,500 a year: $4,470 property tax and charges, $1,220 water and sewer, $1,480 electricity, $1,360 home insurance; trash is paid through property tax. 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
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 St. Matthews: 40% discount on the city tax bill if paid by October 3140% off the city's part of the bill
The City of St. Matthews offers a 40% discount on all city tax bills paid on or before October 31.
How: Pay at city hall (3940 Grandview Avenue), by mail to City of St. Matthews, PO Box 7097, Louisville, KY 40257-0097, or online through the city's Pay Online link.
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.
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.
One large item a week picked up freeOne large item per week
All residents of St. Matthews are allowed to dispose of one large item per week at no charge. Call Rumpke at least 48 hours before your regular collection day.
How: Call Rumpke at (800) 828-8171 at least 48 hours before your scheduled pickup; mattresses and upholstered furniture must be completely wrapped in plastic.

Money dates

By Oct 31in 8 daysThe city offers a 40% discount on all tax bills if paid on or before October 31.
Nov 1 – Dec 1in 9 daysPay the property tax bill with a 2% discount.
Dec 2 – Jan 2in 40 daysPay the property tax bill at the face (gross) amount.
Dec 31in 69 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: 1.32% of value; 2026 tax year (FY 2026-27), Jefferson County
Garbage: Rumpke; Recycling carts are available to residents for no additional fee; call Rumpke at (800) 828-8171
Sewer: Louisville and Jefferson County Metropolitan Sewer District (MSD); MSD is responsible for all sanitary sewers within the entire Louisville Metro area, including the City of St. Matthews
Electricity: LG&E (Louisville Gas and Electric); Rate RS residential service: $0.48 basic service charge a day
Schools: Jefferson County Public Schools; School real property tax rate 0.717 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.

Other KY cities

What a Louisville house pays What a Independence house pays What a Lexington house pays What a Georgetown house pays What a Shelbyville house pays What a Bowling Green house pays What a Fort Thomas house pays What a Covington house pays What a Erlanger house pays What a Mount Washington house pays What a Elizabethtown house pays What a Richmond house pays What a Versailles house pays What a Bardstown house pays What a Lyndon house pays What a Shepherdsville house pays What a Alexandria house pays

How these numbers are made

St. Matthews is a city inside Louisville Metro. Its homes pay the state rate, Louisville Metro's general rate, the city's own $.20 per $100, the St. Matthews / Lyndon fire district rate and the JCPS school rate. They do not pay the Urban Services District rate. State, Metro and the city's $.20 rate are the latest posted; the school rate is the 2025 rate (the 2026-27 rate was not yet posted) and the fire rate is from the 2025 PVA schedule.
Property tax starts at the Census median value of owner-occupied homes in St. Matthews ($338,000); 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. The city's 40% early-payment discount (by October 31) and the county's 2% discount (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 charge is left out because MSD's rate schedule excludes St. Matthews from its drainage service area (section 10.1.5).
Trash: the city's pages name Rumpke as its service provider and list no resident trash fee; we could not find how the city pays for it, so trash is shown as $0. Electricity and gas: LG&E Rate RS and RGS from August 14, 2026 with the August 2026 adjustments, as in Louisville, using EIA state or utility average use. Insurance is the 2022 Kentucky average HO-3 premium (NAIC via Triple-I), the newest free official figure we found; it is dated and may sit below current premiums.
Gas: LG&E distributes and sells natural gas at retail in Jefferson County; no St. Matthews page names a gas company, so no gas cost is shown.
Nothing here is legal, tax or insurance advice.

Sources

How St. Matthews compares

A typical St. Matthews house against the 11 Kentucky cities we cover, using the same default numbers as the total above.

Per year	St. Matthews	Median	Where it falls
Property tax rate	1.32%	1.32%	lower than 6 of the other 10 Kentucky cities we cover
Water	$367	$535	lower than 9 of the other 10 Kentucky cities we cover
Sewer and utility-bill fees	$849	$745	higher than 8 of the other 10 Kentucky cities we cover
Electricity and gas	$1,476	$2,751	lower than 10 of the other 10 Kentucky cities we cover
Home insurance	$1,359	$1,359	in the middle of 10 other Kentucky cities we cover
Total	$8,517	$8,812	lower than 7 of the other 10 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 9 of the other 10 Kentucky cities we cover.

Ask: "Water here costs about $367 a year at typical use, lower than 9 of the other 10 Kentucky cities we cover. What drives that cost, and would you change anything?"

2. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $849 a year, higher than 8 of the other 10 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 $849 a year, higher than 8 of the other 10 Kentucky cities we cover. What drives that cost, and would you change anything?"

3. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $1,476 a year, lower than 10 of the other 10 Kentucky cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $1,476 a year for a typical house, lower than 10 of the other 10 Kentucky cities we cover. Which parts of that can the city influence, and what would you do about them?"

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Common questions about St. Matthews house costs

What is the property tax rate in St. Matthews?

About 1.32% of the value before exemptions a year (2026 tax year (FY 2026-27), Jefferson County), plus flat charges on the same bill.

How much is property tax on a $500,000 house in St. Matthews?

About $6,607 a year on $500,000 of the value before exemptions.

How much is the water bill in St. Matthews?

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 St. Matthews?

Recycling is available to all residents of the city for no additional fee

When is property tax due in St. Matthews?

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 St. Matthews?

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 St. Matthews?

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 St. Matthews cost to run each year?

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