Tennessee Property Tax Calculator
Tennessee property tax is a county-and-city affair: assessors determine value, local legislative bodies set the rate, and the two multiply into your annual bill. Relief programs serve some elderly, disabled, and veteran homeowners, and valuations can be appealed through county boards. The calculator above draws on county medians — choose a Tennessee county, enter a home value, and read off annual and monthly estimates.
Annual Property Tax
$1,491Monthly (Escrow)
$124Effective Rate
0.52%Highest property tax counties in Tennessee
Effective rate = aggregate real-estate taxes paid ÷ aggregate home value (ACS 2024 5-year).
| County | Effective Rate | Median Home Value |
|---|---|---|
| Shelby County | 0.97% | $249,100 |
| Meigs County | 0.85% | $180,000 |
| Lake County | 0.72% | $97,900 |
| Lauderdale County | 0.67% | $143,200 |
| Hamilton County | 0.62% | $312,800 |
| Montgomery County | 0.61% | $280,200 |
| Gibson County | 0.61% | $156,900 |
| Madison County | 0.60% | $211,800 |
| Haywood County | 0.60% | $152,400 |
| Sullivan County | 0.59% | $213,300 |
How property tax works in Tennessee
- Assessors determine value; county and city legislative bodies set the rates applied to it.
- Relief programs serve some elderly, disabled, and veteran homeowners.
- County boards hear valuation appeals.
Methodology
Rates are aggregate-derived from the Census Bureau's ACS 2024 5-year American Community Survey (total real-estate taxes paid ÷ total home value, by county). This is a statistical estimate, not a bill lookup — actual property tax bills vary by city, school district, and special-district levies layered on top of the county rate, and by any homestead, senior, veteran, or other exemptions you qualify for. Tennessee ranks #42 of 51 (including DC) by statewide average effective rate, where #1 is the highest.
Need your Tennessee income tax too? Use the Tennessee income tax calculator .
Compare property tax across every state at the property tax calculator , or see whether your property tax deduction is capped at the SALT deduction cap calculator .
Frequently asked questions
How is property tax calculated in Tennessee?
An assessor establishes what your property is worth, and the rates set by your county — and your city, if the home sits inside one — are applied to it. Rate times value, layer by layer, becomes the annual bill.
How much property tax will I pay in Tennessee?
City residents pay both county and city rates; rural owners often pay only the county's. Choose a Tennessee county above, feed in the home's value, and a median-based annual and monthly estimate appears.
Can I lower my Tennessee property tax bill?
Tax relief reaches some elderly, disabled, and veteran homeowners, and a freeze-style program assists others who qualify. When the assessed value itself is the issue, the county board of equalization takes appeals.
Are property taxes deductible?
For itemizing federal filers they sit within the SALT deduction, bounded by its statutory cap. The IRS carries the current cap figure.
Sources
Related insights
Use these guides for rule explanations, planning context, and follow-up questions beyond the calculator result.