40865 Property Tax Rate
Putney, Kentucky · Part of Harlan County
Effective Tax Rate
0.29%
81.9% below state avgMedian Annual Tax
$199
$17/mo escrow
Estimate Your Tax
Annual Tax
$199
Monthly
$17
Eff. Rate
0.29%
Buyer decision brief
What ZIP 40865 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$17/mo
Based on median annual tax paid
State context
0.46 percentage points below the Kentucky average
Kentucky average: 0.75%
Data confidence
Reference estimateCensus suppressed or did not publish a usable tax margin of error for this row. Treat the ZIP estimate as directional.
Verify before you offer
- Confirm parcel assessed value with Harlan County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
Similar in-state ZIPs in this comparison set do not show a lower effective rate. Use the state table to widen the search.
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 40865 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
MOE unavailable or suppressed
Census suppressed or did not publish a usable tax MOE for this ZCTA.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County context only
Harlan County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 40865
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $69,000, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 0.29%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Kentucky and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $17 per month before insurance, HOA dues, or special assessments.
Assessor verification
Harlan County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 40865 Compares
Median Annual Property Tax
ZIP 40865
0.29%
Effective rate
Kentucky Avg
0.75%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Kentucky
Lower than 99% of ZIP codes in Kentucky(1th percentile, 621 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 40865
Property owners in ZIP code 40865 (Putney, Kentucky) pay a median of $199/year in property taxes on homes valued at $69,000. This translates to an effective tax rate of 0.29%, which is 62% below the Kentucky state average of 0.75%.
The monthly property tax burden for a median-valued home in 40865 is approximately $17, which factors into escrow payments on mortgages. This ZIP code is located within Harlan County. This is $898 less than the Kentucky average of $1,097/year.
Compared to similar ZIP codes in Kentucky, 40865 has higher property taxes. ZIP codes with similar effective rates include 40346 (0.29%) and 40949 (0.28%).
In Putney, property taxes represent approximately 0.4% of the median household income of $54,052, providing context for the relative tax burden on homeowners in this area.
If you're considering purchasing a home in 40865, keep in mind that property taxes are based on the assessed value assigned by the local assessor, which may differ from the purchase price. In some states, properties are reassessed at or near the sale price upon transfer of ownership. For the most current tax information for a specific property, consult Harlan County's tax assessor directly.
Frequently Asked Questions
What is the property tax rate in ZIP code 40865?
How much are property taxes in Putney, KY (40865)?
How does ZIP 40865 compare to the Kentucky average?
What is the median home value in ZIP 40865?
What county is ZIP code 40865 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±-$333,333,333. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 40865 is part of Harlan County, Kentucky. View the full county profile for broader context and more data.
View Harlan County on TaxByCounty →Why compare these ZIPs?
Better comparison set for ZIP 40865
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
40025
Glenview, KY
$1,132,900 higher median home value than ZIP 40865.
Rate
0.83%
Tax
$10,001
Quality
68
40510
Lexington, KY
$656,000 higher median home value than ZIP 40865.
Rate
0.50%
Tax
$3,657
Quality
89
40059
Prospect, KY
$464,800 higher median home value than ZIP 40865.
Rate
0.92%
Tax
$4,916
Quality
82
40010
Buckner, KY
$417,400 higher median home value than ZIP 40865.
Rate
0.81%
Tax
$3,958
Quality
77
40502
Lexington, KY
$414,600 higher median home value than ZIP 40865.
Rate
0.84%
Tax
$4,039
Quality
94
40513
Lexington, KY
$379,100 higher median home value than ZIP 40865.
Rate
0.89%
Tax
$4,005
Quality
94
40245
Louisville, KY
$363,900 higher median home value than ZIP 40865.
Rate
0.88%
Tax
$3,795
Quality
94
40023
Fisherville, KY
$361,200 higher median home value than ZIP 40865.
Rate
0.82%
Tax
$3,519
Quality
82
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.