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Updated 2025 Tax Year

Morgan County
Property Tax Guide

Everything you need to know about property taxes in Morgan 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
0.261351% on assessed value, varies by taxing district location
Exemptions
4+ Available
Section 1

How Property Tax Works

Morgan County, Tennessee operates on a property tax system that serves as the primary funding mechanism for essential local services including public schools, county government operations, emergency services, and infrastructure maintenance. Property owners in Morgan County pay taxes based on an assessed value that represents 25% of the property's appraised market value for residential properties, with the current tax rate of 0.261351% applied to this assessed value.

The effective tax rate varies by location within Morgan County due to special taxing districts, which may include school districts, utility districts, and other municipal service areas. Property owners should verify their specific tax rate based on their property's location and applicable district assessments. The county's property tax system operates on a fiscal year basis, with assessments and rates set annually by the county commission in coordination with local taxing authorities.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
County General0.261351%Base county operations, services, and administration
School DistrictVariesLocal school district funding (varies by district)
Municipal ServicesVariesCity/town services (if applicable)
Special DistrictsVariesUtility districts, fire districts, or other special assessments

Rates shown are for Tax Year 2025. The total effective rate depends on your property's location within Morgan County and applicable special taxing districts. Properties within incorporated cities may have additional municipal taxes, while rural properties may have different special district assessments.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Morgan 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 Morgan County are triggered by changes in property ownership, new construction, or significant improvements that increase a property's assessed value during the tax year. When these events occur, the county assessor calculates the difference between the original assessment and the new assessment, then applies the current tax rate to determine the supplemental tax amount.

For example, if you purchase a home in Morgan County that was previously assessed at $40,000 (on a $160,000 market value) and the new assessment increases to $50,000 (on a $200,000 market value), you would owe supplemental taxes on the $10,000 difference. At the current rate of 0.261351%, this would result in approximately $26.14 in supplemental taxes, prorated from the date of ownership change through the end of the tax year.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessment Percentage: 25%
  • Assessed Value: $75,000
  • Less Homestead Credit: $0 (requires application)
  • Net Taxable Value: $75,000
  • Annual Tax: $196.01 ($75,000 × 0.261351%)
  • Monthly Escrow: $16.33

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessment Percentage: 25%
  • Assessed Value: $150,000
  • Less Applied Tax Credits: $0 (requires application)
  • Net Taxable Value: $150,000
  • Annual Tax: $392.03 ($150,000 × 0.261351%)
  • Monthly Escrow: $32.67

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessment Percentage: 25%
  • Assessed Value: $250,000
  • Less Applied Tax Credits: $0 (requires application)
  • Net Taxable Value: $250,000
  • Annual Tax: $653.38 ($250,000 × 0.261351%)
  • Monthly Escrow: $54.45

Note: Tax credits require separate applications and are not automatically applied. Contact the Morgan County Assessor's office for available programs.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Morgan County require property tax escrow accounts, where monthly payments are collected along with your mortgage payment and held until tax bills are due. Lenders typically collect 1/12th of your estimated annual property tax each month, plus an additional cushion amount as allowed by federal regulations.

Property tax bills in Morgan County are typically issued in the fall, with payment schedules varying. Your lender will receive the tax bill directly if you have an escrow account and will make the payment on your behalf. Property owners should verify that their lender has received and paid their tax bill, as the property owner remains ultimately responsible for ensuring taxes are paid on time. You can verify payment status through the Morgan County Trustee's office or their online payment portal.

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Section 6

Frequently Asked Questions

Q: When are property taxes due in Morgan County for the current fiscal year? A: Property tax due dates vary in Morgan County. Contact the Morgan County Trustee's office at the courthouse or visit their website for specific due dates for Tax Year 2025.

Q: What tax credits are available and do they require applications? A: Tennessee offers homestead credits that must be applied for annually. Available credits may include elderly/disabled credits and other qualifying programs. All tax credits require separate applications and are not automatically applied to your tax bill.

Q: How does the homestead credit work? A: The homestead credit in Tennessee typically limits assessment increases rather than reducing market value. This credit caps how much your assessed value can increase year-over-year. You must file an application with the county assessor to receive this benefit.

Q: How often are properties reassessed in Morgan County? A: Tennessee law requires property reappraisal programs, but the schedule varies by county. Contact the Morgan County Assessor's office for the current reappraisal schedule and assessment practices.

Q: What are the penalties for late payment? A: Late payment penalties and interest rates are set by Tennessee state law and local ordinances. Contact the Morgan County Trustee's office for current penalty rates and payment deadlines.

Q: Can I pay my property taxes online? A: Many Tennessee counties offer online payment options. Check with the Morgan County Trustee's office or visit the county website to determine available online payment methods and any associated fees.

Q: How do special district taxes work? A: Special districts (utility, fire, school districts) can add additional taxes to your bill based on your property location. These rates vary throughout the county and are added to the base county rate.

Q: How do I appeal my property assessment? A: Property assessment appeals must be filed with the Morgan County Board of Equalization within specific timeframes, typically during designated appeal periods. Contact the county assessor's office for appeal procedures and deadlines.

Verified Sources

Backed by 8 Official Government Sources

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

01
Tennessee Property Assessment Data | Parcel Detailsassessment.cot.tn.gov
02
County
Assessor of Property – Morgan County TN Official Sitemorgancountytn.gov
03
Real Property Information - Auditorauditor.morgancounty55.us
04
Tennessee's Homestead Exemptionstn.gov
05
TENNESSEE'S HOMESTEAD EXEMPTIONS Adjusting ...tn.gov
06
Homestead Exemption in Tennesseetn.gov
07
County
Morgan County, Tennesseecomptroller.tn.gov
08
november-2019-990-index.csvirs.gov
All sources verified as of 2025 Tax Year

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