Updated 2025 Tax Year

Henderson County
Property Tax Guide

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

10 Official Sources

8 min read

Calculate Your True Cost Mortgage Calculator

Quick Facts

Tax Rate

Base rate varies by district (typically $2.50-$4.00 per $100 assessed value including school, county, and special districts)

1st Due

Oct 1

Exemptions

4+ Available

Section 1

How Property Tax Works

Henderson County, Tennessee operates on a property tax system that serves as the primary funding source for essential county services including schools, roads, emergency services, and general government operations. Property taxes are assessed annually based on the county's assessment of real estate values, with the tax rate set by the Henderson County Commission each year. Based on Tennessee's typical assessment structure, most residential properties are assessed at 25% of their appraised market value.

The effective tax rate in Henderson County varies by location within the county due to special taxing districts that may include school bonds, fire districts, or other municipal services. Property owners should be aware that their exact tax rate depends on their specific location and which special districts serve their property. The county follows Tennessee state law requiring annual property tax payments, with assessments conducted periodically to maintain current market valuations.

Section 2

What Makes Up Your Tax Bill

Component	Rate (per $100)	Description
County General	TBD	Basic county services and operations
County Debt	TBD	County bond payments and debt service
School General	TBD	Henderson County school operations
School Debt	TBD	School construction bonds and debt
State Education	TBD	Tennessee state education funding
Total Base Rate	TBD	Combined rate before special districts

Note: The Henderson County Commission sets the exact tax rates annually for each fiscal year. Rates shown are for informational purposes and will be finalized for FY 2025-2026. Additional special district assessments may apply depending on property location, including fire districts, utility districts, or municipal services. Contact the Henderson County Assessor's office for current rates specific to your property location.

Section 3

When Are Property Taxes Due?

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

First Installment

Oct 1

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 Henderson County are additional property tax bills issued when there are changes to property ownership, new construction, or property improvements that occur after the regular assessment period. These taxes ensure that property tax obligations are properly allocated between buyers and sellers during ownership transfers, and that new construction or improvements are taxed for the portion of the year they add value to the property.

When property changes hands, the supplemental tax is calculated based on the difference between the previous assessment and the new assessed value, prorated for the remaining months in the tax year. For example, if a $400,000 home sells in September and the county reassesses it at $450,000, the new owner would receive a supplemental tax bill for the $50,000 increase in assessed value ($12,500 at 25% assessment ratio) multiplied by the tax rate and prorated for the remaining months of the fiscal year.

Example Calculation

Example 1: $300,000 Home

Market Value: $300,000
Assessed Value (25%): $75,000
Less: Homestead Credit (if applicable): -$0 (requires application)
Net Taxable Value: $75,000
Annual Tax (estimated 1.5%): $1,125
Monthly Payment: $94

Example 2: $600,000 Home

Market Value: $600,000
Assessed Value (25%): $150,000
Less: Homestead Credit (if applicable): -$0 (requires application)
Net Taxable Value: $150,000
Annual Tax (estimated 1.5%): $2,250
Monthly Payment: $188

Example 3: $1,000,000 Home

Market Value: $1,000,000
Assessed Value (25%): $250,000
Less: Homestead Credit (if applicable): -$0 (requires application)
Net Taxable Value: $250,000
Annual Tax (estimated 1.5%): $3,750
Monthly Payment: $313

Note: These examples use estimated tax rates. Actual rates vary by special taxing district. Tax credits such as homestead, elderly, or disabled credits require separate applications and are not automatically applied.

See How Taxes Affect Your Payment

Property taxes are just part of your total monthly cost. Get the full picture.

Calculate Now

Section 5

Escrow & Property Taxes

Most mortgage lenders in Henderson County require borrowers to maintain an escrow account for property tax payments, especially when the loan-to-value ratio exceeds 80%. The lender collects monthly payments equal to 1/12th of the annual property tax bill along with your mortgage payment. These funds are held in a separate escrow account and used to pay your property taxes when they become due on March 1st each year.

Lenders typically pay property taxes on behalf of homeowners 30-60 days before the March 1st due date to ensure timely payment and avoid penalties. Property owners should verify that their lender has received the correct tax bill and made payment by checking with the Henderson County Trustee's office. If your property taxes change due to reassessment or rate adjustments, your lender will adjust your monthly escrow payment accordingly and may require an escrow shortage payment if the account balance is insufficient.

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 in Henderson County for FY 2025-2026? A: Property taxes are due annually by March 1st. Delinquent taxes accrue interest and penalties beginning the following month.

Q: What tax credits are available and how do I apply? A: Tennessee offers various tax credits including homestead, elderly, disabled, and veteran credits. These credits reduce your tax bill but require separate applications filed with the Henderson County Assessor's office. Applications are typically due by a specific deadline each year.

Q: How does the homestead credit work? A: The homestead credit in Tennessee limits annual assessment increases on your primary residence, not the actual market value. You must file an application with the county assessor to receive this credit - it is not automatic.

Q: How often are properties reassessed in Henderson County? A: Tennessee law requires countywide reappraisals every 4-6 years, with Henderson County following the state-mandated schedule. Informal and formal appeal processes are available if you disagree with your assessment.

Q: What are the penalties for late property tax payments? A: Late payments accrue interest and penalties starting after the March 1st due date. Contact the Henderson County Trustee's office for current penalty rates and payment options.

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

Q: Why did my tax bill change from last year? A: Tax bills can change due to reassessment of property values, changes in tax rates set by the County Commission, new special district assessments, or loss of previously applied credits.

Q: How do special districts affect my tax bill? A: Special taxing districts such as school districts, fire districts, or utility districts add additional assessments to your base county tax rate. Your total rate depends on which districts serve your specific property location.

Verified Sources

Backed by 10 Official Government Sources

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

MINUTES OF THE BOARD OF MAYOR AND ALDERMEN MAY 8 ...hendersontn.gov

County

Trustee - Henderson County Tennesseehendersoncountytn.gov

Tax Doc

2024 Tennessee Property Taxescomptroller.tn.gov

Tangible Personal Propertycomptroller.tn.gov

Administrationhendersontn.gov

Tax Doc

Property Tax Relief - Tennessee Comptroller of the Treasurycomptroller.tn.gov

Tennessee Housing Development Agency (THDA)fdic.gov

Exemptions - Tennessee Comptroller of the Treasurycomptroller.tn.gov

Federal Register/Vol. 65, No. 205/Monday, October 23, ...govinfo.gov

County

Henderson County, Tennesseecomptroller.tn.gov

All sources verified as of 2025 Tax Year

See the Full Picture of Your Home Costs

Property taxes are just one piece of homeownership. HonestCasa helps you understand your total monthly cost and explore safe ways to access your home equity.

Total Monthly Cost

Mortgage + taxes + insurance + HOA

Equity Growth

Track how your equity grows over time

Safe Equity Access

Options for projects or debt payoff

Run Your Scenario Try Calculator

Free • No credit check • 2-minute estimate

Henderson CountyProperty Tax Guide