Estimate your Tennessee property tax based on the state's 0.58% average effective rate. Enter your home value for an instant, free calculation.
Enter any tax exemption amount you qualify for in Tennessee
Tennessee has no statewide property tax and one of the lowest effective rates in the country. Homes are assessed at just 25% of appraised value, and counties set a rate per $100 of that assessed amount.
County assessors appraise property and reappraise on a four-to-six-year cycle, and residential and farm property is assessed at 25% of appraised market value. County commissions set the rate in dollars per $100 of assessed value. There is no statewide property tax — all of it is levied by counties and municipalities.
| Home Value | Estimated Annual Tax | Monthly (Escrow) |
|---|---|---|
| $250,000 | $1,450 | $121/mo |
| $282,000 (median) | $1,636 | $136/mo |
| $600,000 | $3,480 | $290/mo |
Effective rates vary within Tennessee. These figures are median-tax-to-median-value estimates from U.S. Census ACS data (2019–2023 ACS 5-year (SmartAsset)) for some of the most populous counties:
| County | Effective Rate |
|---|---|
| Shelby County | 0.89% |
| Davidson County | 0.57% |
| Hamilton County | 0.55% |
| Montgomery County | 0.52% |
| Rutherford County | 0.48% |
| Knox County | 0.37% |
| Williamson County | 0.34% |
| Wilson County | 0.38% |
Among these counties, effective rates range from about 0.34% in Williamson County to 0.89% in Shelby County. Your actual rate depends on the local mill/millage set by your county, city, and school district.
Tennessee has no general homestead exemption that reduces property tax for all owner-occupants. Relief comes instead through the state's Property Tax Relief and Property Tax Freeze programs.
The state Property Tax Relief program reimburses qualifying low-income owners 65+ and disabled homeowners for taxes on roughly the first $30,000 of home value (income limit around $36,370 for 2024), and disabled veterans and eligible surviving spouses receive relief on up to $175,000 of value with no income limit. Counties and cities may also offer a Property Tax Freeze locking the tax amount for income-qualified owners 65+.
County tax bills are generally mailed in early October and due by the last day of February. Taxes become delinquent March 1, after which interest and penalty accrue (commonly 1.5% per month).
Start with an informal review by the county assessor, then file a formal appeal with the County Board of Equalization (which typically meets in June). Decisions may be appealed further to the State Board of Equalization.
Tennessee's average effective property tax rate is about 0.45%–0.6% of home value depending on the source, among the lowest in the nation. Rates are set locally and vary by county and city.
Residential property is assessed at 25% of its appraised market value. A home appraised at $300,000 has an assessed value of $75,000, to which the local rate per $100 is applied.
Yes. Income-qualified owners 65+ and disabled homeowners can receive relief on part of their home's value, disabled veterans can receive relief on up to $175,000 of value, and some localities offer a tax freeze for seniors.