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Updated 2025 Tax Year

Stewart County
Property Tax Guide

Everything you need to know about property taxes in Stewart 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
$0.5315 per $100 of assessed value, may vary by special taxing districts within county
1st Due
Oct 1
Exemptions
4+ Available
Section 1

How Property Tax Works

Stewart County, Tennessee operates on a property tax system that funds essential county services including education, public safety, infrastructure maintenance, and general government operations. Property taxes are levied based on the assessed value of real and personal property as of January 1st each year, with the county property assessor determining appraised values and applying the state-mandated assessment ratio.

The effective property tax rate in Stewart County for 2025 is $0.5315 per $100 of assessed value, though actual tax bills may vary depending on your location within the county due to special taxing districts. Tennessee assesses property at 25% of appraised value for residential property, meaning your taxable assessed value is one-quarter of your home's market value. It's important to note that this base rate is subject to revision by county ordinance and may include additional assessments for school bonds or other special district services depending on where your property is located within Stewart County.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $100 assessed)DescriptionLevy Year
Base County Rate$0.5315General county operations, servicesFY 2025-2026
School DistrictVariesLocal school funding (rate varies by district)FY 2025-2026
Special DistrictsVariesFire districts, utility districts (if applicable)FY 2025-2026

Note: The $0.5315 rate represents the base county levy and is subject to revision by ordinance. Properties located in different areas of Stewart County may be subject to additional assessments from school districts, fire districts, or other special taxing districts. Contact the Stewart County Assessor's office to determine the exact total rate applicable to your specific property location.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Stewart 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 Stewart County are additional property tax assessments that occur when there are changes to property ownership, new construction, or improvements that affect the assessed value after the January 1st assessment date. These taxes are calculated based on the difference between the old and new assessed values, prorated for the portion of the tax year remaining after the change occurs.

For example, if you complete a $50,000 home addition in June, the supplemental tax would be calculated on the increased assessed value (25% of $50,000 = $12,500 additional assessed value) multiplied by the applicable tax rate, then prorated for the remaining months in the tax year. Using the base rate of $0.5315 per $100, this would result in approximately $66.44 in additional annual tax ($12,500 × 0.005315), prorated from June through the end of the tax year.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (25%): $75,000
  • Base Tax Rate: $0.5315 per $100
  • Annual Tax: $398.63
  • Monthly (if escrowed): $33.22

Example 2: $600,000 Home with Homestead Credit

  • Market Value: $600,000
  • Assessed Value (25%): $150,000
  • Less: Homestead Credit (assessment growth cap): Varies by application
  • Net Taxable Value: ~$145,000 (estimated)
  • Annual Tax: ~$770.68
  • Monthly (if escrowed): ~$64.22

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (25%): $250,000
  • Base Tax Rate: $0.5315 per $100
  • Annual Tax: $1,328.75
  • Monthly (if escrowed): $110.73

Note: These calculations use the base county rate only. Actual taxes may be higher due to school district and special district assessments. All credits require application and are not automatically applied.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Stewart County require property tax escrow accounts for borrowers with less than 20% down payment. Your lender collects monthly property tax payments as part of your mortgage payment and holds these funds in escrow until taxes are due. The lender typically pays your property taxes directly to Stewart County on your behalf.

Lenders are required to conduct annual escrow analyses to ensure adequate funds are being collected. If property taxes increase, your monthly escrow payment may increase accordingly. You'll receive an escrow analysis statement showing any shortage or surplus. Property owners are responsible for verifying that their lender has paid taxes correctly and on time, as the property owner remains ultimately liable for any unpaid taxes or penalties even when using an escrow account.

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 Stewart County property taxes due for FY 2025-2026? A: Property tax payment schedules vary by county in Tennessee. Contact the Stewart County Trustee's office for specific due dates, as Tennessee allows counties to set their own payment schedules.

Q: What tax credits are available and do I need to apply? A: Most tax credits require application and are not automatic. Common credits include homestead exemption for assessment growth caps and various relief programs. Applications typically must be filed by April, which is 35 days past the property tax delinquency date in Stewart County.

Q: How does the Homestead Credit work? A: The homestead credit limits annual increases in assessed value rather than reducing the actual market value. This credit caps assessment growth and requires filing an application - it is not automatically applied to your property.

Q: When are properties reassessed? A: All property assessments are based on January 1st values each year. The county assessor maintains current assessments and tax maps reflecting property status as of this annual assessment date.

Q: How do I appeal my property assessment? A: The Stewart County Board meets on the first Monday of June to hear assessment appeals. You must file your appeal according to the county's established procedures and deadlines.

Q: What are the penalties for late payment? A: Late payment penalties and interest rates are set by county policy. Contact the Stewart County Trustee's office for current penalty rates and payment options.

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

Q: Do special districts affect my tax rate? A: Yes, properties located within special taxing districts (fire districts, school districts, utility districts) may be subject to additional tax assessments beyond the base county rate of $0.5315 per $100 of assessed value.

Verified Sources

Backed by 10 Official Government Sources

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

01
Ordinance 2025-377waldentn.gov
02
State
HOME_IncomeLmts_State_TN_2...huduser.gov
03
County
Stewart County, Tennessee - Tennessee Comptroller of the Treasurycomptroller.tn.gov
04
Assessment Schedule - Tennessee Comptroller of the Treasurycomptroller.tn.gov
05
Tangible Personal Propertycomptroller.tn.gov
06
PDF TIFF Wrapperapps.irs.gov
07
Exemptions - Tennessee Comptroller of the Treasurycomptroller.tn.gov
08
Tax Doc
IRS announces tax relief for taxpayers impacted by severe ...clarksvilletn.gov
09
Tax Doc
Property Tax Relief for Disabled Veteranstn.gov
10
Tax Doc
How to Calculate Your Tax Billcomptroller.tn.gov
All sources verified as of 2025 Tax Year

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