Taxes & Insurance in Fort Thomas
Fort Thomas's tax picture combines a real, flat local income tax with genuinely ZIP-variable property tax rates, alongside Kentucky's genuinely elevated statewide insurance costs.
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Learn moreA real, flat city income tax
Fort Thomas levies a flat 1.25% city income tax on both resident and nonresident earned income, plus a matching 1.25% occupational tax on business net profits earned in the city (minimum $25) -- on top of Kentucky's own flat, CONTINGENT 3.5% state income tax.
Property tax rates vary genuinely by ZIP code
Campbell County's own countywide effective rate ran approximately 1.06% this pass, with a median $2,495 bill on a $234,500 median county home. Fort Thomas's own ZIP 41075 ran a higher 1.33% effective rate per one source (with a real, disclosed cross-source spread on the exact median bill).
Kentucky's real, elevated statewide insurance costs
No Fort Thomas-specific premium figure distinct from Kentucky's own statewide figures was found this pass -- Kentucky ran the 4th most expensive state for homeowners insurance nationally, with statewide averages running $3,384-$3,540 annually, likely higher in absolute dollars here given Fort Thomas's above-average home values.
Key takeaways
- Fort Thomas's flat 1.25% city income tax applies to both residents and nonresidents working there.
- Property tax rates vary genuinely by ZIP code within the city, around a 1.06%-1.33% range.
- Kentucky ran the 4th most expensive state for homeowners insurance nationally.
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