Clay County, KY Property Taxes (2026)

Clay County owners pay a median of $598 a year on a median home value of $87,300, an effective rate of 0.68%. That's the 75th-highest rate of 120 Kentucky counties with Census data, below the Kentucky county median of 0.72%.

Updated October 2026 · Data: U.S. Census Bureau, American Community Survey 5-Year Estimates (2019–2023)

Is your Clay appraisal too high?

We compare your value to recent Clay County sales and show you in about a minute whether a appeal is worth it.

  • Free check
  • No credit card

Effective tax rate

0.68%

75th highest of 120 in KY

Median annual bill

$598

~$50/month

Median home value

$87,300

Kentucky county median

0.72%

Effective rate

What a protest could save you in Clay County

Enter the market value from your appraisal notice. We apply Clay County's 0.68% effective rate and a 10–15% reduction, the typical range for successful protests.

$
Est. annual tax
$594
Savings at 10–15% off
$59–$89
Check my actual assessment →

Clay County vs. Kentucky vs. U.S. property tax rates

Clay County0.68%
Kentucky county median0.72%
U.S. county median0.84%

Key stat: Clay County's effective property tax rate is 0.68%, vs. 0.72% for the median Kentucky county and 0.84% for the median U.S. county. It ranks 75th of 120 in Kentucky. Effective rate = median tax bill ÷ median home value, so it already reflects typical exemptions. (Source: U.S. Census Bureau, American Community Survey 5-Year Estimates (2019–2023))

How to appeal your property taxes in Clay County

  1. 1

    Review your assessment notice

    Check the assessed value from the Clay Property Valuation Administrator. Compare it to recent sales of similar homes nearby.

  2. 2

    File your appeal before the deadline

    The Clay County deadline is Within 60 days of receipt. Missing it means waiting until the next assessment year.

  3. 3

    Gather evidence

    Recent comparable sales, photos of condition issues, repair estimates or an independent appraisal.

  4. 4

    Present your case

    Submit evidence or attend a hearing with the Property Valuation Administrator.

  5. 5

    Get your decision

    If you win, your assessed value and bill go down. On a $598 bill, 10–15% off is $60–$90 a year.

Want help with it?

TaxDrop builds your case from comparable sales data.

Check my assessment

Property tax exemptions in Kentucky

Kentucky homeowners may qualify for exemptions that reduce taxable value. Check with the Clay Property Valuation Administrator for amounts.

Homestead exemption

For your primary residence. Reduces the value used to calculate your bill.

Senior / over-65

Many states add an exemption or freeze for owners 65 and older.

Disability

For homeowners with qualifying disabilities, often similar to the over-65 benefit.

Veterans

Disabled veterans may get partial or full exemptions depending on rating.

Frequently Asked Questions

What is the property tax rate in Clay County, Kentucky?
The median effective property tax rate in Clay County is 0.68%: a median annual bill of $598 on a median home value of $87,300. That's the 75th-highest rate of 120 Kentucky counties with Census data. Your own rate depends on which city, school district and special districts you're in. Source: U.S. Census Bureau, American Community Survey 5-Year Estimates (2019–2023).
How much are property taxes in Clay County?
The median Clay County property tax bill is $598 a year, about $50 a month, compared with a Kentucky county median of $935.
What is the deadline to appeal property taxes in Clay County?
The deadline to appeal in Clay County is Within 60 days of receipt. Missing it means waiting until the next assessment cycle.
Is Clay County a high property tax area?
Clay County's 0.68% effective rate is below the Kentucky county median of 0.72% and below the U.S. county median of 0.84%. That's the 75th-highest rate of 120 Kentucky counties with Census data.
Can TaxDrop help lower my Clay County property taxes?
TaxDrop analyzes your property against local comparable sales and helps you appeal your assessment.

Property taxes in nearby counties

Owsley County

Rate: 0.70%

Median bill: $562

Leslie County

Rate: 0.72%

Median bill: $532

Knox County

Rate: 0.74%

Median bill: $803

Laurel County

Rate: 0.59%

Median bill: $845

Jackson County

Rate: 0.64%

Median bill: $683

Perry County

Rate: 0.73%

Median bill: $661

Bell County

Rate: 0.74%

Median bill: $617

Lee County

Rate: 0.85%

Median bill: $696

← All 120 Kentucky counties

Stop overpaying on property taxes

See in about a minute whether your Clay value looks too high.

Check my assessment — free