With our free Tennessee Property Tax Calculator, quickly project your Tennessee annual property tax obligation. Whether you are a landowner, business owner, or homeowner, simply enter the appraised value, location, type of property, and any exemptions to get a reasonable estimate of your tax bill.
This Calculator — What Is It?
The Tennessee Property Tax Calculator is a financial tool designed to let property owners project their annual property tax depending on:
- the type of property
- the location (county)
- the assessed value of their property
- any relevant exemptions
It is catered to Tennessee’s particular property tax system, which differs county by county and covers taxes for counties, municipalities, and schools.
Reasons Why It Matters
For Tennessee’s property owners, a major outlay of funds for necessary local services—including schools, roads, and emergency services—are property taxes.
Budgeting, financial planning, and wise property ownership decisions all benefit from knowing your property tax liability.
- Median annual tax: $1,356
- Average effective rate: 0.58%
Tennessee boasts rather low property taxes among many states.
Little History
Since Tennessee’s early days, property taxes have been a component of its tax system, changing to suit local governments’ needs. The state has used several assessment techniques and tax rates over time to balance taxpayer loads with funding needs.
Today, Tennessee’s property tax system is run at the county level — each county sets its own assessment policies and tax rates.
How It Does It
Property Tax Formula
Property Tax = (Assessed Value ÷ 100) × Tax Rate
At:
- Appraised Value × Assessment Ratio = Assessed Value
- Assessment Ratio:
- Residential and agricultural: 25%
- Commercial/industrial: 40%
- Personal property: 30%
- Tax Rate:
- Set by local government
- Varies by county and municipality
- Usually stated per $100 of assessed value
Methodologically: Step-by-Step
- Find the appraised value of your property — determined by your county property assessor.
- Find the suitable assessment ratio by knowing the class of your property (residential, business, etc.).
- Calculate the assessed value: Multiply the appraised value by the assessment ratio.
- Get the local tax rate from your county or city government.
- Compute property taxes: Divide the assessed value by 100, then multiply by the tax rate.
Important Inputs and Components
Input | Definition |
---|---|
Appraised Value | The value of your property as decided upon by the county property assessor |
Class of Property | Residential, Business, Agricultural, Industrial |
Assessment Ratios | The proportion of appraised value deemed taxable (e.g., 25% for residential) |
Tax Rate | Set by the county/municipality per $100 of assessed value |
Exemptions | Any deductions you are eligible for — homestead, veterans, elderly, etc. |
Variations in Cost Types and Results
Result | What It Implies |
---|---|
Assessed Value | Your property’s taxable value after applying the assessment ratio |
Annual Property Tax | Your total estimated yearly tax obligation |
Tax Rate Analysis | Combined rates from county, municipality, and school district |
Exemption Savings | The amount you may save if exemptions apply |
Sample Calculations and Scenarios
# | Appraised Value | County | Assessment Ratio | Tax Rate ($/100) | Property Type | Exemptions | Annual Tax |
---|---|---|---|---|---|---|---|
1 | $400,000 | Davidson (GSD) | 25% | 2.922 | Residential | $0 | $2,922.00 |
2 | $500,000 | Williamson (General) | 40% | 1.89 | Business | $0 | $3,656.00 |
3 | $200,000 | Williamson (Franklin + FSSD) | 25% | 2.5051 | Residential | $0 | $1,252.55 |
4 | $100,000 | Davidson (USD) | 25% | 3.254 | Agricultural | $0 | $813.50 |
5 | $50,000 | Williamson (General) | 30% | 1.89 | Personal Property | $0 | $282.00 |
Breakdown — Example 1
- Appraised Value: $400,000
- Assessment Ratio: 25% (Residential)
- $400,000 × 0.25 = $100,000 Assessed Value
- Tax Rate: $2.922 per $100
- Property Tax: ($100,000 ÷ 100) × $2.922 = $2,922.00
Breakdown — Example 2
- Appraised Value: $500,000
- Assessment Ratio: 40% (Commercial)
- $500,000 × 0.40 = $200,000 Assessed Value
- Tax Rate: $1.88 per $100
- Property Tax: ($200,000 ÷ 100) × $1.88 = $3,760.00
Interactive Tables & Charts
Davidson County – $400,000 Residential Property (GSD)
Component | Quantity |
---|---|
Appraised Value | $400,000 |
Assessment Ratio | 25% |
Assessed Value | $100,000 |
Tax Rate | $2.922 / $100 |
Annual Property Tax | $2,922.00 |
Pie Chart — $400,000 Property Tax Distribution
- Property Tax: ~0.73% of assessed value
- Non-Taxable Value: ~99.27%
(Pie chart values are approximate and illustrative.)
Frequently Asked Questions (FAQs)
Q1: Where can I locate the appraised value of my property?
Check your property tax statement or contact your county property assessor. Assessments are updated periodically based on market trends.
Q2: What is an assessment ratio, and how does it function?
It is the percentage of your appraised property value that is taxable.
- Residential/agricultural: 25%
- Commercial/industrial: 40%
- Personal property: 30%
Q3: Does Tennessee offer any property tax exemptions?
Yes, such as:
- Homestead exemptions
- Veterans’ exemptions
- Senior citizens’ exemptions
Contact your county assessor to verify eligibility.
Q4: How accurate is this calculator?
It offers a projection based on average tax rates and ratios. For precise figures, consult your county assessor or trustee.
Q5: When are Tennessee property taxes due?
Usually by February 28 annually, but due dates vary by county. Confirm with your local tax office.
Q6: Are tax rates different inside a county?
Yes. Cities or special school districts may have different rates.
For example, Franklin (with FSSD) in Williamson County has a different rate than the county’s general rate.
Why Use the Tennessee Property Tax Calculator?
This tool removes the guesswork from property tax estimates.
Whether you are a small business owner in Knoxville or a first-time homebuyer in Memphis, this calculator helps you plan with confidence.
Tennessee may have low average tax rates — but accurate financial planning starts with knowing your numbers.
Try it now and take control of your property tax planning.
Find other property tax calculators for other states of USA here:
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