Local costs · Tennessee

What a home costs across Tennessee

Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Tennessee, then every county with its own tax rate and insurance range.

Statewide facts

Home insurance average
About $1,492 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
Transfer & recording tax
Tennessee recordation transfer tax: 0.37% of price — buyer customarily paysOn the $332,600 state median home, the buyer’s customary share is about $1,231.
Title insurance
Tennessee uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
State income tax
Tennessee levies no state income tax. These are modeled effective rates from Tax Foundation 2026 brackets.

All 95 counties in Tennessee

Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.

CountyProperty taxInsurance / yr
Anderson County0.54%$920–$2,060typical $1,420
Bedford County0.48%$1,190–$2,650typical $1,830
Benton County0.48%$1,370–$3,060typical $2,110
Bledsoe County0.36%$1,220–$2,710typical $1,870
Blount County0.45%$790–$1,770typical $1,220
Bradley County0.45%$980–$2,190typical $1,510
Campbell County0.37%$1,040–$2,320typical $1,600
Cannon County0.43%$1,180–$2,640typical $1,820
Carroll County0.58%$1,350–$3,000typical $2,070
Carter County0.51%$730–$1,620typical $1,120
Cheatham County0.47%$1,180–$2,640typical $1,820
Chester County0.52%$1,170–$2,610typical $1,800
Claiborne County0.49%$960–$2,150typical $1,480
Clay County0.56%$1,460–$3,250typical $2,240
Cocke County0.57%$730–$1,620typical $1,120
Coffee County0.57%$1,330–$2,970typical $2,050
Crockett County0.58%$1,200–$2,680typical $1,850
Cumberland County0.29%$1,070–$2,390typical $1,650
Davidson County0.60%$770–$1,710typical $1,180
Decatur County0.46%$1,300–$2,900typical $2,000
DeKalb County0.35%$1,180–$2,640typical $1,820
Dickson County0.47%$1,130–$2,520typical $1,740
Dyer County0.63%$1,350–$3,020typical $2,080
Fayette County0.34%$1,130–$2,520typical $1,740
Fentress County0.32%$1,250–$2,780typical $1,920
Franklin County0.53%$1,110–$2,470typical $1,700
Gibson County0.66%$1,270–$2,830typical $1,950
Giles County0.42%$1,350–$3,000typical $2,070
Grainger County0.48%$790–$1,750typical $1,210
Greene County0.43%$730–$1,620typical $1,120
Grundy County0.38%$1,360–$3,030typical $2,090
Hamblen County0.41%$730–$1,620typical $1,120
Hamilton County0.61%$1,000–$2,230typical $1,540
Hancock County0.45%$840–$1,870typical $1,290
Hardeman County0.63%$1,160–$2,600typical $1,790
Hardin County0.41%$1,070–$2,390typical $1,650
Hawkins County0.54%$730–$1,620typical $1,120
Haywood County0.63%$1,060–$2,360typical $1,630
Henderson County0.48%$1,050–$2,330typical $1,610
Henry County0.44%$1,230–$2,740typical $1,890
Hickman County0.46%$1,260–$2,810typical $1,940
Houston County0.54%$1,440–$3,220typical $2,220
Humphreys County0.48%$1,330–$2,970typical $2,050
Jackson County0.46%$1,500–$3,350typical $2,310
Jefferson County0.43%$730–$1,620typical $1,120
Johnson County0.40%$730–$1,620typical $1,120
Knox County0.43%$770–$1,730typical $1,190
Lake County0.67%$1,410–$3,150typical $2,170
Lauderdale County0.59%$1,210–$2,700typical $1,860
Lawrence County0.53%$1,300–$2,900typical $2,000
Lewis County0.47%$1,300–$2,900typical $2,000
Lincoln County0.45%$1,250–$2,780typical $1,920
Loudon County0.33%$850–$1,890typical $1,300
Macon County0.39%$1,220–$2,710typical $1,870
Madison County0.56%$1,070–$2,380typical $1,640
Marion County0.43%$1,260–$2,810typical $1,940
Marshall County0.48%$1,240–$2,770typical $1,910
Maury County0.45%$1,140–$2,550typical $1,760
McMinn County0.35%$860–$1,930typical $1,330
McNairy County0.38%$1,110–$2,480typical $1,710
Meigs County0.39%$1,050–$2,330typical $1,610
Monroe County0.41%$940–$2,090typical $1,440
Montgomery County0.61%$1,180–$2,620typical $1,810
Moore County0.45%$1,400–$3,120typical $2,150
Morgan County0.52%$1,100–$2,450typical $1,690
Obion County0.52%$1,370–$3,050typical $2,100
Overton County0.39%$1,150–$2,570typical $1,770
Perry County0.53%$1,330–$2,970typical $2,050
Pickett County0.41%$1,290–$2,870typical $1,980
Polk County0.50%$1,190–$2,650typical $1,830
Putnam County0.48%$1,250–$2,800typical $1,930
Rhea County0.43%$1,000–$2,230typical $1,540
Roane County0.53%$920–$2,040typical $1,410
Robertson County0.47%$1,130–$2,520typical $1,740
Rutherford County0.48%$730–$1,620typical $1,120
Scott County0.51%$1,170–$2,610typical $1,800
Sequatchie County0.45%$1,220–$2,730typical $1,880
Sevier County0.28%$760–$1,700typical $1,170
Shelby County0.97%$1,070–$2,390typical $1,650
Smith County0.47%$1,280–$2,860typical $1,970
Stewart County0.46%$1,330–$2,960typical $2,040
Sullivan County0.58%$730–$1,620typical $1,120
Sumner County0.51%$1,090–$2,420typical $1,670
Tipton County0.50%$900–$2,020typical $1,390
Trousdale County0.34%$1,270–$2,830typical $1,950
Unicoi County0.52%$730–$1,620typical $1,120
Union County0.37%$900–$2,000typical $1,380
Van Buren County0.43%$1,260–$2,810typical $1,940
Warren County0.42%$1,330–$2,960typical $2,040
Washington County0.52%$730–$1,620typical $1,120
Wayne County0.49%$1,320–$2,940typical $2,030
Weakley County0.48%$1,340–$2,990typical $2,060
White County0.40%$1,240–$2,770typical $1,910
Williamson County0.40%$860–$1,910typical $1,320
Wilson County0.42%$1,090–$2,420typical $1,670

* Property-tax rate is approximate because the county’s Census median is top-coded.

How these numbers are built

Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.

Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.