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Updated 2025 Tax Year

Davidson County
Property Tax Guide

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

8 Official Sources
8 min read
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Quick Facts
Tax Rate
2.0% to 2.5% effective rate
1st Due
Oct 31
Exemptions
4+ Available
Section 1

How Property Tax Works

Davidson County, Tennessee operates under the Metropolitan Government of Nashville and Davidson County, which consolidates city and county property tax collection into a single system. Property taxes are the primary funding source for essential public services including Metro Nashville Public Schools, police and fire protection, public works, parks and recreation, and general government operations. The Property Assessor's Office, led by Assessor Vivian M. Wilhoite, is responsible for appraising all taxable properties to achieve fair and equitable values across the county.

Davidson County's property tax system uses market value assessment with various exemptions available to qualifying homeowners. The effective tax rate typically ranges from 2.0% to 2.5% of assessed value, though rates are set annually by the Metro Council and can vary based on the tax base and service needs. All property tax payments go directly to Metro Nashville to fund county-wide services, making it a unified system that serves both urban Nashville and suburban Davidson County areas.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
General Fund~1.85%Basic government services, administration, public safety
School Fund~0.40%Metro Nashville Public Schools operations and facilities
Debt Service~0.03%Payment of principal and interest on municipal bonds
Total Base Rate~2.28%Combined rate applied to assessed property value

Note: Rates shown are approximate based on recent years. The Metro Council sets final rates annually, typically in summer, for the following tax year. Some properties may be subject to additional special district assessments for services like urban services districts or improvement districts.

Section 3

When Are Property Taxes Due?

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

First Installment
Oct 31
Delinquent after Dec 10
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 Davidson County are additional property tax assessments that occur when there are changes to a property's assessed value during the tax year. Common triggers include new construction completion, major renovations, ownership transfers that prompt reassessment, or corrections to previous assessments. When the Property Assessor's Office determines that a property's value has increased due to improvements or other factors, they issue a supplemental assessment for the difference.

The supplemental tax is calculated by applying the current tax rate to the increased assessed value, prorated for the remaining months in the tax year. For example, if a $100,000 home addition is completed in July, increasing the assessed value by $100,000, the supplemental tax would be approximately $2,280 (using the 2.28% rate) × 6/12 months = $1,140 for the remainder of that tax year. Property owners receive a separate supplemental tax bill that is typically due 30 days from the issue date.

Example Calculation

Example 1: $300,000 Home

  • Market/Assessed Value: $300,000
  • Less: Homeowner Exemption: $0 (if no exemptions apply)
  • Net Taxable Value: $300,000
  • Annual Tax: $300,000 × 2.28% = $6,840
  • Monthly Escrow: $6,840 ÷ 12 = $570

Example 2: $600,000 Home

  • Market/Assessed Value: $600,000
  • Less: Homeowner Exemption: $0 (if no exemptions apply)
  • Net Taxable Value: $600,000
  • Annual Tax: $600,000 × 2.28% = $13,680
  • Monthly Escrow: $13,680 ÷ 12 = $1,140

Example 3: $1,000,000 Home

  • Market/Assessed Value: $1,000,000
  • Less: Homeowner Exemption: $0 (if no exemptions apply)
  • Net Taxable Value: $1,000,000
  • Annual Tax: $1,000,000 × 2.28% = $22,800
  • Monthly Escrow: $22,800 ÷ 12 = $1,900

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Section 5

Escrow & Property Taxes

Most homeowners with mortgages have their property taxes collected through an escrow account managed by their lender. The lender estimates the annual tax amount, divides it by 12, and collects this amount with each monthly mortgage payment. Lenders typically maintain a cushion of 2-6 months of tax payments in the escrow account to ensure funds are available when taxes are due. Davidson County property taxes for 2025 are due Saturday, February 28, 2026, and mortgage companies usually pay these taxes on behalf of homeowners in February.

Property owners should verify that their lender has current tax information and is collecting adequate escrow funds, especially after reassessments or home improvements. If you receive a supplemental tax bill, notify your lender immediately as these may not be included in the regular escrow calculation. You can monitor your tax obligations and payment history through the Metro Trustee's office online portal at https://www.nashville.gov/departments/trustee, which provides tools to check property information and payment status.

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 Davidson County property taxes due? A: Property taxes for 2025 are due Saturday, February 28, 2026. This is the final due date without penalty.

Q: What homeowner exemptions are available? A: Contact the Davidson County Property Assessor's Office at https://www.padctn.org/ to learn about available exemptions, which may include elderly/disabled exemptions and tax freeze programs for qualifying residents.

Q: How often are properties reassessed? A: Tennessee law requires periodic reassessment, but contact the Property Assessor's Office for current reassessment schedules and methodology.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Davidson County Board of Equalization. Details and deadlines are available through the Property Assessor's Office at https://www.padctn.org/.

Q: What happens if I pay my taxes late? A: Late payments are subject to penalties and interest. Contact the Metro Trustee's office for specific penalty rates and payment options.

Q: Can I pay my property taxes online? A: Yes, you can pay property taxes online through the Metro Trustee's payment portal. Visit the Trustee's website for secure online payment options.

Q: How do I look up my property tax information? A: Use the Property Search tool at https://www.padctn.org/services/property-search/ to look up assessment information and tax history.

Q: What is the property tax freeze program? A: Davidson County offers a property tax freeze program for qualifying elderly and disabled residents. Learn more through the Metro Trustee's office services.

Verified Sources

Backed by 8 Official Government Sources

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

01
County
Davidson County Tax Collectornashville.gov
02
County
Davidson County Assessorpadctn.org
03
County
Change of Local Tax Rate: Davidson Countytn.gov
04
Massie Chambers Agenda: 1. Call to order by the Mayor Prayer Plegoodlettsville.gov
05
Tax Doc
Calculate Property Taxesnashville.gov
06
4 3 2 Oak Hill financial reserves above averageoakhilltn.us
07
Ordinance 2025-494berryhilltn.gov
08
section 206cookeville-tn.gov
All sources verified as of 2025 Tax Year

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