Property tax in Davidson County, Tennessee

Who sends the property tax bill in Davidson County, and how do you pay it?

The bill comes from the Office of the Metropolitan Trustee (Metropolitan Government of Nashville and Davidson County). The value it is based on is set by a separate office, the Assessor of Property, Metropolitan Nashville and Davidson County, which is who to ask if the value looks wrong. For how to look up and pay the bill, go to the county's own payment information.

Nashville and Davidson County share one Metropolitan Government, so one Trustee bill covers Metro taxes and the taxes of most cities inside the county. Belle Meade, Ridgetop and Goodlettsville are the exceptions: each sends its own separate city tax bill. Online payments run through Metro's payment processor, OpenGov; cards carry a 2.55% fee ($2.00 minimum) and e-checks a $1.00 fee, which Metro does not keep. Current-year taxes can also be paid in full, by cash or check with the original bill coupon, at First Horizon Bank branches in the county from October through February.

When are property taxes due in Davidson County?

For the 2026 bill, Davidson County has one due date: February 28, 2027. Bills are mailed the first week of October 2026 and taxes are payable from the first Monday in October (October 5, 2026) through the last day of February 2027. Partial payments are accepted. A mailed payment counts on its postmark date, but an unpostmarked payment counts when received, and office meter dates are not accepted; online payments count on the date of the transaction. February 28, 2027 is a Sunday and the Trustee's office is closed on weekends. The county has not said whether a payment on Monday, March 1 counts as on time, and state law adds interest on March 1, so pay by Friday, February 26, 2027. Taxes not paid in full by the last day of February become delinquent. Interest of 1.5% (18% a year) is added on March 1 and on the first of each month after that, under Tennessee law. The Trustee collects delinquent taxes from March through the following February, after which they are collected by the Clerk and Master's office and can lead to a tax sale.

From Davidson County's published schedule, checked September 23, 2026. If a date falls on a weekend or holiday, the county's own rules on the next business day apply.

Estimate the property tax on a home in Davidson County

Enter a home's market value for a ballpark at Davidson County's average effective rate of 0.6% (Census). The real bill depends on the home's assessed value, the millage where it sits and any exemptions.

Property tax in Davidson County at a glance

Effective rate = median real estate taxes paid divided by median home value. Source: U.S. Census Bureau, American Community Survey 5-year estimates.

How does Davidson County compare in Tennessee?

Among Tennessee's 95 counties, Davidson County has the 9th highest effective property-tax rate: 8 rank higher and 86 rank lower. That places it among the most heavily taxed counties in the state. Nationally, it ranks 2277th of 3135 US counties by effective rate. See every Tennessee county ranked.

How much do homeowners in Davidson County actually pay?

The median is only the middle bill. Across Davidson County's 171,526 owner-occupied homes, 34.9% pay $3,000 or more a year in property tax, 61% pay at least $2,000, and 3.7% pay under $800. Another 4.3% report paying no property tax at all, which usually means an exemption covers the whole bill.

Owners with a mortgage pay a median of $2,486 and owners without one pay $2,543. That is within 10% either way, so in Davidson County paying off the house does not go with a noticeably different bill. Census table B25103.

How does the Davidson County property tax bill compare with local incomes?

The median property tax bill of $2,506 is about 2.4% of the median income of Davidson County homeowner households, $106,228 a year. That compares two middles, so a retiree in a long-held home can pay a far larger share. 52.8% of Davidson County's occupied homes are lived in by their owners; renters pay property tax too, just folded into rent.

Have property taxes gone up in Davidson County?

Yes. The median bill went from $1,826 in 2015-2019 to $2,506 in 2020-2024, a 37.2% rise. Over the same span the median home value moved 72.7%, from $241,700 to $417,400. Bills rose more slowly than values, which is what assessment caps and falling millage rates do: the county is taxing a smaller share of each home's worth.

Two Census ACS 5-year periods with no survey years in common, in each period's own dollars. A change counts only if it exceeds the combined 90% margin of error.

Property tax in counties next to Davidson County

Davidson County borders 6 counties.

How is a home assessed in Davidson County?

Tennessee assesses homes at 25% of market value in every county, Davidson County included. How Tennessee assesses and reappraises homes.

Is there a homestead exemption in Davidson County?

No. Tennessee has no general homestead exemption; relief comes through the state Tax Relief program and the local-option Tax Freeze. That is the Tennessee rule, and it applies in Davidson County. Tennessee's exemptions and relief programs in full.

On top of the Tennessee programs, Davidson County runs its own:

• Metro Nashville Property Tax Freeze: A state-authorized local option Metro adopted in 2007: homeowners 65 or older by December 31, 2026 whose combined 2025 income (applicant, spouse and all owners) was $63,470 or less can freeze the tax on their home (up to five acres) at the amount for the year they qualify, re-qualifying every year; taxes must be paid in full to be considered. Apply by April 5, 2027.
• Metro share of Property Tax Relief: A Metro-funded addition to the state's Tax Relief program: Metro adds its own money to the state credit for homeowners 65 or older or disabled with combined 2025 income of $38,470 or less, and for 100% service-connected disabled veterans or their surviving spouses; one application at the Trustee's office covers both, and taxes must be paid in full to be considered. Apply by April 5, 2027.
• Metro Tax Deferral Program: Homeowners 65 or older, or totally and permanently disabled, with combined gross income under $25,000 a year can defer current taxes on their residence until the owner's death or the home's sale, with simple interest of 6% a year; a mortgage lender must agree in writing, and participants reapply every year. Apply by December 31, 2026.

How to appeal your Davidson County property assessment

In Davidson County you appeal to the Metropolitan Board of Equalization. The deadline: Start with an informal review by the Assessor of Property; for 2026 the informal review deadline was April 17, 2026. Formal appeals go to the Metropolitan Board of Equalization, which begins meeting the first business day of June; for 2026 the deadline to request a hearing was Friday, June 26, 2026 at 4:00 p.m., so both 2026 windows have closed. Under state law, a Metropolitan Board decision can be appealed to the Tennessee State Board of Equalization by August 1 of the tax year or within 45 days of the date the board's notice was sent, whichever is later. How to file. Checked September 23, 2026 against the official appeal rules.

How Tennessee's appeal process works, including the next level if the first one turns you down.

Tennessee rules from primary state sources, reviewed September 7, 2026; sources on the Tennessee page.

Work out your own numbers

• How much house can I afford?

  Your income, debts and down payment against the 28/36 rule lenders actually use, with Davidson County's tax rate to hand.

• Mortgage calculator

  Monthly payment with principal, interest, tax and insurance, plus what an extra payment saves you.

• Tennessee income tax

  Brackets, standard deduction and what Tennessee actually taxes.

• Sales tax in Davidson County

  The other local tax: combined state and local rate for this county.