Where and how to pay Louisville Water
Louisville Water offers four main ways to pay your bill: online through their website, by phone, by mail, or in person at their payment centers. The fastest and most convenient option for most people is online payment through the Louisville Water customer portal, which processes immediately and requires no fees. If you prefer not to use the internet, you can call their payment line, mail a check, or visit a physical location — each method has different timing and requirements.
Your bill arrives monthly and shows a due date, usually about 20 days from the bill date. Paying by the due date avoids late fees. If you miss the due date, Louisville Water typically charges a late fee and may eventually shut off service, so knowing your options ahead of time helps you stay on track.
Key Takeaways
- Online payment through Louisville Water's website is free, immediate, and available 24/7 — you need your account number and a bank account or debit card.
- Phone payments go through an automated system at 502-589-1433 and process the same day if you call before 5 p.m. on a business day.
- Mailed checks should arrive at least five business days before your due date to avoid late fees, and you must include your account number on the check.
- In-person payment at Louisville Water's office or authorized payment centers is immediate but requires you to travel during business hours.
- Setting up autopay through your bank or the Louisville Water portal prevents missed payments and removes the need to remember due dates.
Paying online through the Louisville Water portal
The Louisville Water website lets you pay a bill in minutes without leaving home. Go to louisvillewater.com, click the "Pay My Bill" link, and enter your account number (found on your bill) and the amount you want to pay. You can use a checking or savings account, or a debit card. The payment posts immediately, and you receive a confirmation number you can save or print.
Online payment is free — Louisville Water does not charge a fee for using their portal. You can pay the full bill or a partial amount, and you can set up a one-time payment or recurring autopay. If you set up autopay, the payment happens automatically on the date you choose each month, which removes the risk of forgetting a due date.
To use the portal, you need to create a login if you do not already have one. You will need your account number and either your service address or phone number. Once you are logged in, you can view your bill history, see your usage, and manage payment methods all in one place.
Paying by phone
You can pay by phone by calling 502-589-1433 during business hours. An automated system guides you through the payment and accepts debit cards or bank account information. Payments made before 5 p.m. on a business day post the same day. Payments made after hours or on weekends post the next business day.
Phone payment is also free. You will need your account number and a payment method ready when you call. The system provides a confirmation number at the end of the call — write it down or listen carefully so you have proof of payment if you need it later.
Paying by mail
To pay by mail, write a check payable to Louisville Water Company and include your account number on the check. Mail it to the address shown on your bill — typically Louisville Water Company, P.O. Box 35100, Louisville, KY 40232. Do not mail cash.
Mailed payments take time to arrive and be processed. Mail your check at least five business days before your due date to make sure it reaches Louisville Water in time. If your check arrives after the due date, you may be charged a late fee even though you sent it early. Keep a copy of your check or note the check number for your records.
If you are paying a bill that is already late, calling or paying online is faster and safer than mailing a check, because you can confirm the payment was received the same day.
Paying in person
Louisville Water has a customer service office where you can pay in person. The main office is located at 550 South First Street, Louisville, KY 40202. Payment is immediate when you hand over cash, check, or debit card. Bring your account number or bill with you.
In-person payment is useful if you do not have a bank account or prefer to pay with cash. Hours are typically Monday through Friday, 8 a.m. to 4:30 p.m., but call ahead to confirm. Some authorized payment centers in the Louisville area also accept Louisville Water payments — ask your local utility payment center or check the Louisville Water website for locations near you.
Setting up autopay to avoid missed payments
Autopay is the easiest way to make sure your bill is paid on time every month without thinking about it. You can set up autopay through the Louisville Water website by logging into your account, going to the payment section, and choosing a date each month when the payment should happen. You can use a bank account or debit card.
Autopay is free and you can change or cancel it anytime. If your bill amount varies month to month (which it usually does for water), you can set autopay to pay the full amount shown on your bill, or you can set a fixed amount and pay the difference manually. Many people set autopay for the average amount and then adjust in months when the bill is higher or lower.
If you set up autopay, you still receive your bill each month — autopay just handles the payment automatically. You can still log in and check your balance, usage, and payment history anytime.
What to do if you cannot pay on time
If you know you will miss a due date, contact Louisville Water before the bill becomes late. Call 502-589-1433 or visit the office to explain your situation. Louisville Water may be able to set up a payment plan that lets you pay the bill in smaller amounts over time, which avoids a late fee and keeps your service from being shut off.
Late fees are added to your bill if payment does not arrive by the due date. If your account falls far enough behind, Louisville Water can shut off your water service. Reconnection requires paying the full past-due amount plus a reconnection fee. A payment plan is much cheaper and easier than dealing with a shutoff, so reach out early if you are struggling.
Frequently Asked Questions
Is there a fee to pay my Louisville Water bill online?
No. Louisville Water does not charge a fee for online payment through their website or for phone payment. You only pay the amount of your bill itself.
Can I pay my bill with a credit card?
Louisville Water's website and phone system accept debit cards and bank account payments, but not credit cards. If you want to use a credit card, you would need to use a third-party payment service, which may charge a fee.
How long does it take for a mailed check to show up on my account?
Mailed checks typically take 5 to 10 business days to arrive and be processed. Mail your check at least five business days before your due date. If your payment is already late, paying online or by phone is faster and safer.
What happens if I pay after the due date?
A late fee is added to your bill. If your account stays unpaid for several weeks, Louisville Water may shut off your service. You would then need to pay the full past-due amount plus a reconnection fee to restore water service.
Can I change my autopay date if it does not work for me?
Yes. Log into your Louisville Water account online, go to the autopay section, and change the date to whenever works best for you. You can also pause or cancel autopay anytime without penalty.