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Updated 2025 Tax Year

Coffee County
Property Tax Guide

Everything you need to know about property taxes in Coffee County, TN. Rates, due dates, exemptions, and how it affects your monthly payment.

10 Official Sources
8 min read
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Quick Facts
Tax Rate
$2.1558 per $100 assessed value (2.16% effective rate), may vary by special districts and municipal areas
Exemptions
5+ Available
Section 1

How Property Tax Works

Coffee County, Tennessee operates on a property tax system that funds essential local services including schools, roads, emergency services, and county operations. The county's uniform property tax rate for fiscal year 2025 is $2.1558 per $100 of assessed value, as set by the Coffee County Commission. This translates to an effective rate of approximately 2.16% on assessed value, though your actual tax bill depends on your property's assessed value and any applicable tax credits.

Property taxes in Coffee County are assessed on real estate and personal property, with the Coffee County Property Assessor determining appraised values. It's important to note that actual tax rates may vary by location within the county due to special taxing districts, municipal taxes, and additional assessments that apply to specific areas. The tax year runs from July 1 to June 30, with bills typically issued in the fall and payments due from October through February.

Section 2

What Makes Up Your Tax Bill

ComponentRate per $100Description
County General Fund$2.1558Base uniform rate for FY 2025 set by Coffee County Commission
School DistrictIncluded in baseFunding for Coffee County Schools
Debt ServiceIncluded in baseBond payments and county obligations
Total Base Rate$2.1558Standard rate countywide

Note: This reflects the FY 2025 levy year (July 1, 2025 - June 30, 2026). Additional special district assessments may apply depending on your property location, including municipal taxes for incorporated areas, fire district assessments, or utility district charges. Contact the Coffee County Property Assessor's office in Manchester for location-specific rate information.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Coffee County, property taxes are due in two installments:

Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental taxes in Coffee County are additional property tax assessments that occur when there are changes to property ownership, value, or use during the tax year. The most common triggers include new construction or improvements completed after the annual assessment date, changes in property classification (such as removal from agricultural use), or corrections to assessment errors discovered mid-year.

When supplemental taxes are levied, they are calculated by applying the current tax rate ($2.1558 per $100 of assessed value for FY 2025) to the change in assessed value. For example, if you complete a $50,000 home addition after the assessment date, and the assessor determines it adds $50,000 to your property's appraised value, the supplemental tax would be calculated on the additional assessed value (typically 25% of appraised value for residential property in Tennessee). This would result in a supplemental tax of approximately $269.48 ($12,500 assessed value × $2.1558 rate).

Example Calculation

Example 1: $300,000 Home

  • Appraised Value: $300,000
  • Assessment Ratio: 25% (residential)
  • Assessed Value: $75,000
  • Available Credits: Homestead Credit (requires application)
  • Net Taxable Value: $75,000 (assuming no credits applied)
  • Annual Tax: $1,616.85 ($75,000 ÷ 100 × $2.1558)
  • Monthly Escrow: $134.74

Example 2: $600,000 Home

  • Appraised Value: $600,000
  • Assessment Ratio: 25%
  • Assessed Value: $150,000
  • Available Credits: Homestead Credit (requires application)
  • Net Taxable Value: $150,000 (assuming no credits applied)
  • Annual Tax: $3,233.70 ($150,000 ÷ 100 × $2.1558)
  • Monthly Escrow: $269.48

Example 3: $1,000,000 Home

  • Appraised Value: $1,000,000
  • Assessment Ratio: 25%
  • Assessed Value: $250,000
  • Available Credits: Homestead Credit (requires application)
  • Net Taxable Value: $250,000 (assuming no credits applied)
  • Annual Tax: $5,389.50 ($250,000 ÷ 100 × $2.1558)
  • Monthly Escrow: $449.13

Note: All tax credits require separate applications and are not automatically applied. Contact the Coffee County Property Assessor for credit application information.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Coffee County require property tax escrow accounts to ensure timely tax payments. Your monthly mortgage payment includes a portion that goes into this escrow account, which the lender uses to pay your property taxes when they become due. Lenders typically collect 1/12th of your annual tax bill each month, plus a cushion amount as allowed by federal law.

Property taxes in Coffee County are due from October 1st through February 28th of the following year, giving property owners a five-month payment window. Your lender will typically pay the taxes during this period, often in December or January. You'll receive an annual escrow statement showing the account activity, and your monthly payment may be adjusted based on actual tax amounts and account balance requirements. If your property taxes increase due to reassessment or rate changes, your monthly escrow payment will be adjusted accordingly at your next escrow analysis.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
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  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are Coffee County property taxes due for FY 2025? A: Property taxes are due from October 1, 2025, through February 28, 2026. Payments can be made at any time during this period without penalty.

Q: What tax credits are available and do they require applications? A: Tennessee offers property tax relief credits for eligible homeowners, including elderly and disabled homeowner credits. These are tax credits that reduce your tax bill and require separate applications with specific eligibility criteria. Applications must be filed with the appropriate office and are not automatically applied to your account.

Q: How does the Homestead Credit work? A: The Homestead Credit in Tennessee limits assessment increases rather than reducing market value. It caps the annual increase in assessed value for qualifying homeowners. This credit requires filing an application and meeting residency requirements. Contact the Coffee County Property Assessor for specific application procedures and deadlines.

Q: How often are properties reassessed in Coffee County? A: Tennessee law requires countywide reappraisals at least every six years. Coffee County follows this schedule, with periodic updates to maintain current market values. You'll receive notice of any assessment changes.

Q: What if I disagree with my property assessment? A: You have the right to appeal your assessment. Contact the Coffee County Property Assessor's office in Manchester to discuss the informal review process. Formal appeals can be filed with the Coffee County Board of Equalization within specific deadlines.

Q: Are there penalties for late payment? A: Yes, property taxes not paid by February 28th become delinquent and are subject to penalties and interest. Contact the Coffee County Trustee's office for specific penalty information.

Q: Can I pay my property taxes online? A: Contact the Coffee County Trustee's office to inquire about online payment options and accepted payment methods for property taxes.

Q: Do special district taxes apply to my property? A: Depending on your property's location within Coffee County, you may be subject to additional taxes from municipalities, fire districts, or utility districts. These appear as separate line items on your tax bill and vary by location within the county.

Verified Sources

Backed by 10 Official Government Sources

Every fact in this guide is sourced from official county, state, and federal documents.

01
County
6/24/25 Coffee County Commission Meeting Agendacoffeecountytn.gov
02
Tennessee Property Assessment Data | Parcel Detailsassessment.cot.tn.gov
03
County
Coffee - County Assessment Info - TN.govcomptroller.tn.gov
04
County
Property Assessor | Coffee County, TNcoffeecountytn.gov
05
County
Trustee | Coffee County, TNcoffeecountytn.gov
06
Frequently Asked Questions - CivicPlus.CMS.FAQcoffeecountytn.gov
07
Tax Doc
Property Tax Relief - Tennessee Comptroller of the Treasurycomptroller.tn.gov
08
Exemptions - Tennessee Comptroller of the Treasurycomptroller.tn.gov
09
Tax Doc
PROPERTY TAX EXEMPTION MANUALcomptroller.tn.gov
10
Tax Doc
How to Calculate Your Tax Billcomptroller.tn.gov
All sources verified as of 2025 Tax Year

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