Garrard County, Kentucky Homestead Exemption
Homeowners 65 or older or totally disabled in Garrard County can deduct $49,100from their home's assessed value for 2025–2026. The amount is the same in every Kentucky county — what's local is where you file: the Garrard County PVA office below. Filing is free.
Garrard County PVA
Brian Swinney, Property Valuation Administrator
- 7 Public Square, Suite 2, Lancaster, KY 40444
- (859) 792-3291
- qpublic.schneidercorp.com/Application.aspx?AppID=1145&LayerID=30284&PageTypeID=30&PageID=12294
Free to file. Submit the completed form to the Garrard County PVA office above.
Never pay to file a property tax exemption
Applying for a homestead, senior, veteran, or disability exemption is always free through your Garrard County PVA. You do not need a middleman, and no one can file it "faster" for a fee.
Be skeptical of official-looking letters offering to file your homestead exemption, "designate" your homestead, or send you a copy of your deed for $50–$200. These are private solicitations, not government notices. When in doubt, contact your Garrard County PVA directly using the phone number on your tax bill.
Who qualifies
A homeowner who is age 65 or older, OR classified as totally disabled under a program authorized by a U.S. government agency or any Kentucky retirement system, on January 1 and maintained through December 31 — and who owns and occupies the property as their primary residence as of January 1.
- •Age 65+ track: a one-time application; the exemption then continues automatically each year.
- •Totally-disabled track: requires periodic recertification of totally-disabled status.
- •Only one exemption (homestead OR disability) is allowed per household.
Property is assessed at 100% of fair cash value (Kentucky Constitution § 172). Kentucky Constitution § 170; KRS Chapter 132.
Disabled veterans in Garrard County
Kentucky has no separate veterans' property tax exemption. A veteran who is rated 100% service-connected disabled qualifies under the SAME homestead/disability exemption as any other totally disabled homeowner.
Trusted Resources
Trusted tools to help you claim what you've earned
VA Claims Academy
A 100% VA disability rating unlocks full property tax exemptions in most states. VA Claims Academy helps veterans pursue the rating increases they may be owed.
Visit VA Claims Academy →*
* Affiliate disclosure: GovSifter may earn a commission from links above. This does not affect program listings or editorial content.
For Garrard County seniors
Planning ahead protects your exemption and your home.
Trusted Resources
Trusted tools to help you claim what you've earned
CareSifter — Find trusted senior care
Property tax relief is one piece of aging in place affordably. CareSifter helps families compare in-home care, assisted living, and senior services.
Explore CareSifter →*Trust & Will — Estate planning made simple
Keeping a homestead exemption in the family often depends on how the home is titled. Trust & Will makes wills, trusts, and transfer-on-death deeds affordable and online.
Start with Trust & Will →*
* Affiliate disclosure: GovSifter may earn a commission from links above. This does not affect program listings or editorial content.
If your Garrard County assessment is too high
- 1Request a conference with the county PVA by the assessment-notice deadline (on or before May 1 / the close of the annual inspection period).
- 2If unresolved, appeal to the local Board of Assessment Appeals (you have 30 days from the PVA conference).
- 3If still unresolved, appeal to the Kentucky Board of Tax Appeals within 30 days of the local board’s ruling.
Exemption amount history (biennial, inflation-indexed)
- 2025–2026: $49,100 (current)
- 2023–2024: $46,350
- 2021–2022: $40,500
Garrard County homestead exemption FAQ
How much is the homestead exemption in Garrard County, Kentucky?
$49,100 for the 2025–2026 assessment years. Kentucky's homestead exemption is uniform statewide (set by the Kentucky Constitution), so the amount is identical in Garrard County and all other Kentucky counties. It is deducted from your home's assessed value before taxes are calculated, and KY DOR re-sets it every two years for inflation.
Who qualifies for the Garrard County homestead exemption?
A homeowner who is age 65 or older, OR classified as totally disabled under a program authorized by a U.S. government agency or any Kentucky retirement system, on January 1 and maintained through December 31 — and who owns and occupies the property as their primary residence as of January 1. Only one exemption (homestead OR disability) is allowed per household.
How do I apply in Garrard County?
File Kentucky DOR Form 62A350 with the Garrard County Property Valuation Administrator (PVA), Brian Swinney. Filing is free. Age 65+ track: a one-time application; the exemption then continues automatically each year. Totally-disabled track: requires periodic recertification of totally-disabled status.
Does a disabled veteran get a separate property tax exemption in Kentucky?
Kentucky has no separate veterans' property tax exemption. A veteran who is rated 100% service-connected disabled qualifies under the SAME homestead/disability exemption as any other totally disabled homeowner.
I think my Garrard County assessment is too high. How do I appeal?
Request a conference with the county PVA by the assessment-notice deadline (on or before May 1 / the close of the annual inspection period). If unresolved, appeal to the local Board of Assessment Appeals (you have 30 days from the PVA conference). If still unresolved, appeal to the Kentucky Board of Tax Appeals within 30 days of the local board’s ruling.