Tennessee Property Tax Calculator (2026)
The Tennessee median effective property tax rate is 0.5% for 2026 — median real-estate taxes paid divided by median home value (U.S. Census Bureau ACS 2024). On a $400,000 home that is about $2,000 a year (~$167 a month). Tennessee ranks #43 of 51 nationally. Enter your home value below for an instant estimate, then confirm the exact rate with your county.
What is the Tennessee property tax rate in 2026?
Tennessee's median effective property tax rate is 0.5%. On the state median home value of $286,700, the typical bill is about $1,442 a year.
How much is property tax on a $400,000 home in Tennessee?
About $2,000 a year, or roughly $167 a month, at the 0.5% median effective rate.
Where does Tennessee rank nationally?
Tennessee ranks #43 of 51 by median effective rate (1 = highest), among the lowest in the country. That is 0.44% below the 0.94% US average.
Is this my exact property tax bill?
No. Your county sets the millage and assessed value. This uses the state median; homestead, senior, and veteran exemptions can lower your bill.
How does property tax work in Tennessee?
Tennessee property tax is set locally, not by the state. Your county assessor values your home, then applies a local millage (tax) rate. Cities, school districts, and special districts each add a share.
Because rates vary by county, this page uses the Tennessee median effective rate of 0.5%. That is the median tax paid divided by the median home value, from the U.S. Census Bureau (ACS 2024). It is a benchmark, not your exact bill.
How much is property tax on a home in Tennessee?
| Home value | Rate (0.5%) | Annual tax | Monthly |
|---|---|---|---|
| $200,000 | 0.5% | $1,000 | $83 |
| $400,000 | 0.5% | $2,000 | $167 |
| $286,700 (state median) | 0.5% | $1,442 | $120 |
| $750,000 | 0.5% | $3,750 | $313 |
How do you calculate Tennessee property tax by hand?
- Find your home's assessed value on your county notice.
- Apply your county's assessment ratio if it uses one.
- Multiply the taxable value by the local millage (tax) rate.
- For a quick estimate, multiply your home value by 0.5% (the Tennessee median effective rate).
What exemptions can lower your Tennessee property tax?
Most counties offer a homestead exemption on your primary home. Many add relief for seniors, veterans, and people with disabilities. These lower your taxable value, so your real rate is often below the median.
Rules and amounts vary by county and change over time. Check your county assessor for the exemptions you qualify for before relying on a figure.
Why is your actual Tennessee bill different from this estimate?
Three things move your bill away from the state median. Your county rate may be higher or lower than the median. Your assessed value can lag the market. And exemptions reduce the taxable amount.
Use this page to budget and compare. For the exact number, use your latest assessment notice and your county's current millage rate.
How does property tax vary by county in Tennessee?
Property tax in Tennessee is set and collected at the county level, so your rate depends on where you live. Across Tennessee's 95 counties, the effective rate ranges from 0.12% in Pickett County to 0.97% in Shelby County. The table lists every county's effective rate, median home value, and median tax paid (U.S. Census Bureau ACS 2024).
| County | Effective rate | Median home value | Median tax |
|---|---|---|---|
| Anderson County | 0.58% | $239,400 | $1,289 |
| Bedford County | 0.54% | $281,200 | $1,345 |
| Benton County | 0.42% | $153,600 | $738 |
| Bledsoe County | 0.44% | $189,400 | $688 |
| Blount County | 0.48% | $320,500 | $1,453 |
| Bradley County | 0.44% | $261,900 | $1,187 |
| Campbell County | 0.36% | $186,500 | $691 |
| Cannon County | 0.41% | $252,000 | $1,073 |
| Carroll County | 0.5% | $142,400 | $821 |
| Carter County | 0.49% | $168,200 | $864 |
| Cheatham County | 0.48% | $338,700 | $1,582 |
| Chester County | 0.51% | $164,400 | $856 |
| Claiborne County | 0.43% | $159,900 | $777 |
| Clay County | 0.42% | $136,400 | $769 |
| Cocke County | 0.49% | $158,100 | $898 |
| Coffee County | 0.55% | $246,800 | $1,407 |
| Crockett County | 0.54% | $158,900 | $930 |
| Cumberland County | 0.29% | $250,500 | $730 |
| Davidson County | 0.57% | $417,400 | $2,506 |
| DeKalb County | 0.34% | $235,500 | $824 |
| Decatur County | 0.41% | $139,600 | $644 |
| Dickson County | 0.44% | $306,400 | $1,431 |
| Dyer County | 0.56% | $166,400 | $1,047 |
| Fayette County | 0.33% | $340,800 | $1,140 |
| Fentress County | 0.27% | $168,200 | $535 |
| Franklin County | 0.48% | $236,900 | $1,246 |
| Gibson County | 0.61% | $156,900 | $1,039 |
| Giles County | 0.45% | $234,300 | $989 |
| Grainger County | 0.41% | $189,200 | $901 |
| Greene County | 0.42% | $207,500 | $890 |
| Grundy County | 0.43% | $154,000 | $586 |
| Hamblen County | 0.37% | $210,900 | $862 |
| Hamilton County | 0.62% | $312,800 | $1,925 |
| Hancock County | 0.42% | $134,500 | $599 |
| Hardeman County | 0.58% | $121,700 | $764 |
| Hardin County | 0.43% | $160,400 | $658 |
| Hawkins County | 0.53% | $176,300 | $956 |
| Haywood County | 0.6% | $152,400 | $952 |
| Henderson County | 0.37% | $164,800 | $794 |
| Henry County | 0.38% | $160,200 | $705 |
| Hickman County | 0.42% | $224,100 | $1,038 |
| Houston County | 0.52% | $172,700 | $929 |
| Humphreys County | 0.41% | $193,400 | $921 |
| Jackson County | 0.38% | $155,500 | $710 |
| Jefferson County | 0.4% | $229,300 | $978 |
| Johnson County | 0.34% | $178,600 | $710 |
| Knox County | 0.44% | $320,900 | $1,367 |
| Lake County | 0.72% | $97,900 | $653 |
| Lauderdale County | 0.67% | $143,200 | $844 |
| Lawrence County | 0.47% | $194,400 | $1,021 |
| Lewis County | 0.32% | $173,400 | $824 |
| Lincoln County | 0.41% | $229,700 | $1,038 |
| Loudon County | 0.34% | $348,000 | $1,162 |
| Macon County | 0.25% | $225,700 | $874 |
| Madison County | 0.6% | $211,800 | $1,185 |
| Marion County | 0.39% | $195,200 | $833 |
| Marshall County | 0.43% | $279,800 | $1,346 |
| Maury County | 0.43% | $355,700 | $1,588 |
| McMinn County | 0.32% | $211,800 | $748 |
| McNairy County | 0.38% | $161,800 | $619 |
| Meigs County | 0.85% | $180,000 | $693 |
| Monroe County | 0.39% | $227,500 | $934 |
| Montgomery County | 0.61% | $280,200 | $1,697 |
| Moore County | 0.42% | $285,300 | $1,288 |
| Morgan County | 0.41% | $166,300 | $871 |
| Obion County | 0.49% | $133,600 | $690 |
| Overton County | 0.36% | $173,200 | $669 |
| Perry County | 0.5% | $126,900 | $675 |
| Pickett County | 0.12% | $178,500 | $728 |
| Polk County | 0.45% | $169,900 | $856 |
| Putnam County | 0.48% | $282,500 | $1,363 |
| Rhea County | 0.52% | $206,000 | $894 |
| Roane County | 0.55% | $232,900 | $1,223 |
| Robertson County | 0.44% | $335,000 | $1,577 |
| Rutherford County | 0.48% | $382,600 | $1,839 |
| Scott County | 0.41% | $124,900 | $632 |
| Sequatchie County | 0.41% | $232,600 | $1,051 |
| Sevier County | 0.31% | $299,000 | $824 |
| Shelby County | 0.97% | $249,100 | $2,429 |
| Smith County | 0.43% | $243,800 | $1,136 |
| Stewart County | 0.43% | $204,700 | $939 |
| Sullivan County | 0.59% | $213,300 | $1,234 |
| Sumner County | 0.46% | $393,100 | $1,987 |
| Tipton County | 0.56% | $240,600 | $1,211 |
| Trousdale County | 0.38% | $337,600 | $1,166 |
| Unicoi County | 0.49% | $189,600 | $994 |
| Union County | 0.27% | $204,000 | $752 |
| Van Buren County | 0.44% | $159,200 | $693 |
| Warren County | 0.43% | $192,900 | $805 |
| Washington County | 0.56% | $249,000 | $1,302 |
| Wayne County | 0.39% | $130,700 | $635 |
| Weakley County | 0.44% | $151,200 | $729 |
| White County | 0.44% | $207,200 | $838 |
| Williamson County | 0.37% | $751,900 | $3,004 |
| Wilson County | 0.42% | $428,000 | $1,787 |