Tennessee Property Tax
Tennessee Property Tax Calculator (2026)
Estimate Tennessee property taxes, review the statewide effective rate, browse county pages, and connect tax costs to mortgage payment planning.
Estimated Effective State Rate
0.52%
Sample Annual Tax on $425,000 Home
$2,210
FHA State Tier
Standard FHA Tier
Counties Covered
95
FHA Limit Tier Context in Tennessee
State Tier Signal
Most counties in this state follow the standard FHA floor framework.
FHA 1-Unit Floor
$541,287
FHA 1-Unit Ceiling
$1,249,125
What Homebuyers in Tennessee Should Know
- Lower effective property taxes can support payment flexibility in some scenarios.
In the current NMC dataset, Tennessee has an estimated effective property-tax rate of 0.52%, resulting in approximately $2,080 in annual property taxes on a $400,000 home.
Tennessee County and Locality Pages
Highest property tax rates in Tennessee
Among counties currently in the NMC dataset for this state.
- 1. Shelby County0.98%
- 2. Lake County0.67%
- 3. Gibson County0.66%
- 4. Dyer County0.63%
- 5. Hardeman County0.63%
Lowest property tax rates in Tennessee
Among counties currently in the NMC dataset for this state.
- 1. Sevier County0.28%
- 2. Cumberland County0.29%
- 3. Fentress County0.32%
- 4. Fayette County0.33%
- 5. Loudon County0.33%
Anderson County
Estimated effective rate: 0.54%
Bedford County
Estimated effective rate: 0.48%
Benton County
Estimated effective rate: 0.48%
Bledsoe County
Estimated effective rate: 0.36%
Blount County
Estimated effective rate: 0.45%
Bradley County
Estimated effective rate: 0.45%
Campbell County
Estimated effective rate: 0.37%
Cannon County
Estimated effective rate: 0.43%
Carroll County
Estimated effective rate: 0.58%
Carter County
Estimated effective rate: 0.51%
Cheatham County
Estimated effective rate: 0.47%
Chester County
Estimated effective rate: 0.52%
Claiborne County
Estimated effective rate: 0.49%
Clay County
Estimated effective rate: 0.56%
Cocke County
Estimated effective rate: 0.57%
Coffee County
Estimated effective rate: 0.57%
Crockett County
Estimated effective rate: 0.59%
Cumberland County
Estimated effective rate: 0.29%
Davidson County
Estimated effective rate: 0.60%
Decatur County
Estimated effective rate: 0.46%
DeKalb County
Estimated effective rate: 0.35%
Dickson County
Estimated effective rate: 0.47%
Dyer County
Estimated effective rate: 0.63%
Fayette County
Estimated effective rate: 0.33%
Fentress County
Estimated effective rate: 0.32%
Franklin County
Estimated effective rate: 0.53%
Gibson County
Estimated effective rate: 0.66%
Giles County
Estimated effective rate: 0.42%
Grainger County
Estimated effective rate: 0.48%
Greene County
Estimated effective rate: 0.43%
Grundy County
Estimated effective rate: 0.38%
Hamblen County
Estimated effective rate: 0.41%
Hamilton County
Estimated effective rate: 0.62%
Hancock County
Estimated effective rate: 0.45%
Hardeman County
Estimated effective rate: 0.63%
Hardin County
Estimated effective rate: 0.41%
Hawkins County
Estimated effective rate: 0.54%
Haywood County
Estimated effective rate: 0.62%
Henderson County
Estimated effective rate: 0.48%
Henry County
Estimated effective rate: 0.44%
Hickman County
Estimated effective rate: 0.46%
Houston County
Estimated effective rate: 0.54%
Humphreys County
Estimated effective rate: 0.48%
Jackson County
Estimated effective rate: 0.46%
Jefferson County
Estimated effective rate: 0.43%
Johnson County
Estimated effective rate: 0.40%
Knox County
Estimated effective rate: 0.43%
Lake County
Estimated effective rate: 0.67%
Lauderdale County
Estimated effective rate: 0.59%
Lawrence County
Estimated effective rate: 0.53%
Lewis County
Estimated effective rate: 0.48%
Lincoln County
Estimated effective rate: 0.45%
Loudon County
Estimated effective rate: 0.33%
Macon County
Estimated effective rate: 0.39%
Madison County
Estimated effective rate: 0.56%
Marion County
Estimated effective rate: 0.43%
Marshall County
Estimated effective rate: 0.48%
Maury County
Estimated effective rate: 0.45%
McMinn County
Estimated effective rate: 0.35%
McNairy County
Estimated effective rate: 0.38%
Meigs County
Estimated effective rate: 0.39%
Monroe County
Estimated effective rate: 0.41%
Montgomery County
Estimated effective rate: 0.61%
Moore County
Estimated effective rate: 0.45%
Morgan County
Estimated effective rate: 0.52%
Obion County
Estimated effective rate: 0.52%
Overton County
Estimated effective rate: 0.39%
Perry County
Estimated effective rate: 0.53%
Pickett County
Estimated effective rate: 0.41%
Polk County
Estimated effective rate: 0.50%
Putnam County
Estimated effective rate: 0.48%
Rhea County
Estimated effective rate: 0.43%
Roane County
Estimated effective rate: 0.53%
Robertson County
Estimated effective rate: 0.47%
Rutherford County
Estimated effective rate: 0.48%
Scott County
Estimated effective rate: 0.51%
Sequatchie County
Estimated effective rate: 0.45%
Sevier County
Estimated effective rate: 0.28%
Shelby County
Estimated effective rate: 0.98%
Smith County
Estimated effective rate: 0.47%
Stewart County
Estimated effective rate: 0.46%
Sullivan County
Estimated effective rate: 0.58%
Sumner County
Estimated effective rate: 0.51%
Tipton County
Estimated effective rate: 0.50%
Trousdale County
Estimated effective rate: 0.35%
Unicoi County
Estimated effective rate: 0.52%
Union County
Estimated effective rate: 0.37%
Van Buren County
Estimated effective rate: 0.44%
Warren County
Estimated effective rate: 0.42%
Washington County
Estimated effective rate: 0.52%
Wayne County
Estimated effective rate: 0.49%
Weakley County
Estimated effective rate: 0.48%
White County
Estimated effective rate: 0.40%
Williamson County
Estimated effective rate: 0.40%
Wilson County
Estimated effective rate: 0.42%
Need the National View?
Return to the national Property Tax Calculator to compare across states and scenarios.
Methodology and Data Sources
- Tax Foundation Facts & Figures: Property Tax as Percent of Home Value - State-level effective property tax rates (Updated: 2026-02-19)
- HUD/FHA Mortgagee Letter 2025-23 - 2026 FHA floor and high-cost ceiling frameworks (1-4 unit) (Updated: 2026-01-01)
Educational guidance only. Final loan terms and eligibility vary by county limits, credit, income, property profile, and lender guidelines.