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Updated 2025 Tax Year

Hawkins County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
$2.5546 per $100 of assessed value (varies by special districts and municipal boundaries)
Exemptions
4+ Available
Section 1

How Property Tax Works

Hawkins County, Tennessee operates under a property tax system that funds essential local services including schools, roads, public safety, and county operations. Property taxes are assessed annually based on the appraised value of real estate and personal property as of January 1st each year. The county uses Tennessee's state-mandated assessment ratio of 25% of appraised fair market value for residential property and 40% for commercial/industrial property.

The effective property tax rate in Hawkins County varies by location within the county due to special taxing districts and municipal boundaries. For fiscal year 2025-2026, the combined county tax rate is $2.5546 per $100 of assessed value. However, property owners may pay additional taxes depending on their location within school districts, municipal boundaries, or special service districts. Actual tax bills can vary significantly based on these district-specific assessments and any applicable tax credits that require separate application.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $100)Description
County GeneralVariesBasic county services, administration
County Debt ServiceVariesCounty bond payments
School DistrictVariesLocal education funding
Municipal (if applicable)VariesCity services for incorporated areas
Total Combined Rate$2.5546Base rate for FY 2025-2026

Note: This table shows the combined rate of $2.5546 for fiscal year beginning July 1, 2025. Individual component breakdowns vary by specific location within Hawkins County. Properties within city limits or special districts may have additional assessments not reflected in the base county rate.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Hawkins 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 Hawkins County are additional property tax assessments that occur when there are changes to property ownership, improvements, or new construction after the January 1st assessment date. These taxes ensure that property tax obligations are properly allocated between previous and new owners, or account for increased value from improvements completed during the tax year.

Common triggers for supplemental taxes include: property sales or transfers, completion of new construction, additions or major improvements to existing structures, and corrections to assessment errors discovered after the initial tax roll. The supplemental tax is calculated by applying the current tax rate to the difference in assessed value, prorated for the portion of the tax year the change was in effect. For example, if a $100,000 home improvement is completed on July 1st, the supplemental tax would be calculated on the increased assessed value ($25,000 at 25% assessment ratio) for half the tax year, resulting in approximately $319 in additional taxes at the $2.5546 rate.

Example Calculation

$300,000 Home:

  • Market Value: $300,000
  • Assessed Value (25%): $75,000
  • Tax Credits Applied: $0 (assuming no applications filed)
  • Net Taxable Value: $75,000
  • Annual Tax ($2.5546 rate): $1,916
  • Monthly Escrow: $160

$600,000 Home:

  • Market Value: $600,000
  • Assessed Value (25%): $150,000
  • Tax Credits Applied: $0 (assuming no applications filed)
  • Net Taxable Value: $150,000
  • Annual Tax ($2.5546 rate): $3,832
  • Monthly Escrow: $319

$1,000,000 Home:

  • Market Value: $1,000,000
  • Assessed Value (25%): $250,000
  • Tax Credits Applied: $0 (assuming no applications filed)
  • Net Taxable Value: $250,000
  • Annual Tax ($2.5546 rate): $6,387
  • Monthly Escrow: $532

Note: These calculations use the base county rate and assume no tax credits have been applied. Actual taxes may be higher due to special district assessments and will be lower if eligible tax credits are properly applied through separate applications.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Hawkins County require property tax escrow accounts for borrowers with less than 20% down payment or specific loan types. Lenders collect monthly tax payments as part of your mortgage payment, typically 1/12 of the annual tax bill plus a cushion for rate increases. Property tax payments in Hawkins County are due by the first Monday in October each year, and lenders typically pay the full annual amount directly to the county on your behalf.

Homeowners with escrow accounts should verify that their lender has current tax information, especially after reappraisals or when tax credits are approved. The county mails tax bills to the property address, but lenders need separate notification of any changes. If your escrow analysis shows a shortage due to tax increases, you may need to increase monthly payments or pay a lump sum to cover the difference. Property owners can verify their tax payments and remaining balances through the Hawkins County Trustee's office even when using escrow services.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are property taxes due for FY 2025-2026? A: Property taxes are due by the first Monday in October. Personal property schedules are mailed by February 1st and must be filed by March 1st.

Q: What tax credits are available and how do I apply? A: Hawkins County and the City of Church Hill offer property tax relief credits for eligible elderly homeowners (age 65+), permanently and totally disabled individuals, and disabled veterans. These are tax credits that reduce your tax bill but require separate application. Applications must be filed within 35 days past the property tax delinquency date.

Q: Is there a homestead credit that limits assessment increases? A: Tennessee does not have a traditional homestead exemption that caps assessment growth. However, eligible homeowners may qualify for tax relief credits through specific programs that require application through the county assessor's office.

Q: How often are properties reassessed? A: The County Assessor's Office conducts property value reviews during the week of May each year, with all assessments reflecting property status as of January 1st.

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

Q: Can I pay my property taxes online? A: Contact the Hawkins County Trustee's office directly for current online payment options and accepted payment methods.

Q: How do I appeal my property assessment? A: Property owners who believe their assessment is incorrect should contact the Hawkins County Assessor's office. Appeals must be filed within specific deadlines following assessment notifications.

Q: Why is my tax rate different from my neighbor's? A: Tax rates vary within Hawkins County based on municipal boundaries, school districts, and special taxing districts. Two properties may have different total rates even if they're located close to each other.

Q: Do tax credits apply automatically? A: No, most tax credits require separate application and approval. Eligible homeowners must apply for elderly, disabled, or veteran tax relief credits through the appropriate county office.

Q: Where can I get help with tax credit applications? A: Contact the Hawkins County Assessor's office for information about available tax relief programs and application procedures. The "Eligible Elderly, Disabled Veterans & Homeowners" brochure provides detailed program information.

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