Winchester, KY · Updated Oct 2026

What a Winchester 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 Winchester house

$8,404a year · $700 a month

Starts at the typical market value, $188,300; your assessed value is often lower. Typical use.

A Winchester house at the typical market value ($188,300) pays about $8,400 a year: $2,020 property tax and charges, $1,800 water and sewer, $480 trash, $2,750 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+ or totally disabled: homestead exemption$49,100 off assessed value
Homeowners who are at least 65, or who are classified as totally disabled and meet the other requirements, can take $49,100 (the 2025-2026 amount) off the assessed value of their home.
How: File a homestead application with the PVA of the county where the home is.
Pay by Oct 31 for 2% off2% discount
The Clark County Sheriff's office offers a 2% discount on the total tax bill if it is paid by October 31.
How: Pay your tax bill with the Sheriff before October 31.

Money dates

Oct 31in 8 daysThe Sheriff's office offers a 2% discount on the total tax bill if it is paid by October 31.
Jan 1in 70 daysHomestead exemption eligibility is set as of January 1: you must be in the home on that date.

Who serves this house

Water: Winchester Municipal Utilities; Winchester Municipal Utilities city rates effective 2026: water $6.20 for 100 CF and $11.87 for 200 CF.
Property tax: 1.07% of value; 2026 tax year, Clark County

Pay or manage your bills

Winchester Municipal Utilities rates ↗

How these numbers are made

Property tax: 2026 rates for a home inside Winchester, 107.1 cents per $100 in all: state 10.3, Clark County Fiscal Court 8.0, Clark County Board of Education 65.4, health department 4.2, library 4.0, extension 2.9 and the City of Winchester 12.3 (the city's 2025 rate; its 2026 rate was not yet published). Kentucky's $49,100 homestead exemption is only for owners 65 and older or totally disabled, so it is listed as a tip.
The starting value is the Census ACS 2020-2024 median value of owner-occupied homes in Winchester, $188,300; your PVA assessment may differ. We found no assessor median.
Water, sewer, garbage and fees come from Winchester Municipal Utilities' 2026 city rates sheet. Each water rate includes the Clark County school utility tax (3% of the water charge, the SCH TAX column) and the $0.26 per 100 CF KRA charge, so water is modelled as $0.55 plus $6.10 per 100 CF, which matches the sheet at 100 and 200 CF. Sewer is $10.47 per 100 CF. The ENVIRO ($0.70) and 911 ($3.00 per water meter) columns are listed as monthly fees; garbage is $40.04 a month. WMU publishes no typical household use, so the page starts at 9 CCF.
Electricity is Kentucky Utilities' Rate RS and gas is Columbia Gas of Kentucky's Rate GSR (as for Georgetown), both with the 3% Clark County Schools utility tax. Clark Energy Cooperative may serve some addresses at the edge of the county; East Kentucky Power is wholesale only. Typical use is the Kentucky statewide EIA average. The insurance figure is the Kentucky statewide NAIC average for 2022; premiums have risen since, so a current policy quote is likely higher.
Not included: the sheet's ENVIR O column ($0.70) and 911 column ($3.00 per water meter) are not labelled with a billing period, so they are left out; actual bills may be higher by up to about $3.70.
Nothing here is legal, tax or insurance advice.

Sources

How Winchester compares

A typical Winchester house against the 23 Kentucky cities we cover, using the same default numbers as the total above.

Per year	Winchester	Median	Where it falls
Property tax rate	1.07%	1.26%	lower than 18 of the other 22 Kentucky cities we cover
Water	$665	$535	higher than 20 of the other 22 Kentucky cities we cover
Sewer and utility-bill fees	$1,131	$745	higher than 22 of the other 22 Kentucky cities we cover
Trash	$480	$230	higher than 12 of the other 12 Kentucky cities we cover
Electricity and gas	$2,751	$2,652	higher than 12 of the other 22 Kentucky cities we cover
Home insurance	$1,359	$1,359	in the middle of 21 other Kentucky cities we cover
Total	$8,404	$8,268	higher than 13 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: Winchester's property tax rate is 1.07%, lower than 18 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 Winchester is 1.07%, lower than 18 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. Water

The fact: Water here costs about $665 a year at typical use, higher than 20 of the other 22 Kentucky cities we cover.

Ask: "Water here costs about $665 a year at typical use, higher than 20 of the other 22 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 $1,131 a year, higher than 22 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 $1,131 a year, higher than 22 of the other 22 Kentucky cities we cover. What drives that cost, and would you change anything?"

4. Trash

The fact: Trash pickup here costs about $480 a year for the standard cart, higher than 12 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 $480 a year for the standard cart, higher than 12 of the other 12 Kentucky cities we cover. What drives that cost, and would you change anything about the service or the price?"

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Common questions about Winchester house costs

What is the property tax rate in Winchester?

About 1.07% of the value before exemptions a year (2026 tax year, Clark County), plus flat charges on the same bill.

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

About $5,355 a year on $500,000 of the value before exemptions.

How much is the water bill in Winchester?

About $150 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on Winchester Municipal Utilities.

How much does trash pickup cost in Winchester?

$40 a month for a house.

Can seniors lower their property tax or bills in Winchester?

Yes. Seniors 65+ or totally disabled: homestead exemption: Homeowners who are at least 65, or who are classified as totally disabled and meet the other requirements, can take $49,100 (the 2025-2026 amount) off the assessed value of their home.

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

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