Property Tax in Montgomery County, Tennessee
The median real estate tax bill in Montgomery County, Tennessee is $1,671 per year, and the median home is worth $248,300. Both figures are the US Census Bureau's survey medians for owner-occupied households (US Census Bureau, American Community Survey (ACS) 5-year estimates, 2023).
What the Montgomery County numbers mean
Read the two medians together: $1,671 is the middle tax bill among owner-occupied households in Montgomery County, and $248,300 is the middle home value. Neither figure describes a specific property — together they describe the typical homeowner's situation in the county.
The derived effective rate for Montgomery County is 0.67% (median tax ÷ median value). Treat it as an estimate for comparison only: it comes from survey medians of different households, not from the county's rate schedule.
Montgomery County by the numbers
| Measure | Montgomery County | Tennessee | United States |
|---|---|---|---|
| Median real estate taxes paid | $1,671 | $1,400 | $2,969 |
| Median home value | $248,300 | $256,800 | $303,400 |
| Derived effective rate* | 0.67% | 0.55% | 0.98% |
| Median tax per month | $139 | $117 | $247 |
*Estimate derived from Census medians (tax ÷ value), not an official rate.
Montgomery County at a glance
- Median tax rank in Tennessee: #8 of 95 counties
- Median home value rank in Tennessee: #19 of 95
- Population rank in Tennessee: #7 of 95 (227,957 residents)
- Population density rank: #7 of 95 (423 people per square mile)
- Land area rank in Tennessee: #28 of 95 (539 sq mi, 1.3% of the combined county land area)
- Median tax as a monthly figure: $139; per $1,000 of home value: $0.67
How Montgomery County compares
The median tax bill in Montgomery County is about 19% higher than the state median ($1,400 for Tennessee) and about 44% lower than the US median ($2,969 nationally). By median taxes paid, the county ranks #8 out of 95 Tennessee counties with published Census data — 7 counties in the state have a higher median bill.
Comparisons cut both ways: a county can have a modest rate but high bills because homes are expensive, or a high rate but modest bills because homes are cheaper. Montgomery County's derived rate of 0.67% sits below the derived US figure of 0.98%.
Some extra context for Montgomery County: the median bill works out to about $139 a month, and the derived rate equals roughly $673 of tax per $100,000 of home value. The county is home to 227,957 people — the #7 most populous county in Tennessee, spread over 539 square miles, a density of about 423 people per square mile. Its median home value, $248,300, ranks #19 among the state's 95 counties with data.
Nationally, Montgomery County's median bill of $1,671 ranks #1427 of 3133 counties with published data — inside the top 46% of counties by tax paid. The county accounts for about 3.3% of Tennessee's population, its median home value is about 3% below the state median, and at the derived rate the median home would hand over roughly 6.73% of its value in tax across a decade. Within the state, the distance from Montgomery County to the most expensive county, Williamson County ($2,891), is $1,220 a year.
Counties nearest Montgomery County in the Tennessee ranking
| County | Median tax paid | Median home value | Derived rate* |
|---|---|---|---|
| Rutherford County, TN | $1,757 | $346,400 | 0.51% |
| Wilson County, TN | $1,743 | $397,000 | 0.44% |
| Robertson County, TN | $1,547 | $296,700 | 0.52% |
| Cheatham County, TN | $1,479 | $291,400 | 0.51% |
Montgomery County and its population peers
Population is a useful lens on these figures, so the table below sets Montgomery County beside the counties closest to it in population anywhere in the country — communities of a similar scale operating under different state and local tax systems. Ranked by median tax paid within this peer group of 9, Montgomery County's $1,671 bill is #7 of 9.
| County | Population | Median tax paid | Median home value | Derived rate* |
|---|---|---|---|---|
| Oneida County, NY | 229,645 | $3,646 | $171,100 | 2.13% |
| Linn County, IA | 229,463 | $3,396 | $204,400 | 1.66% |
| Whatcom County, WA | 228,432 | $3,819 | $536,100 | 0.71% |
| Jefferson County, MO | 228,227 | $1,835 | $218,800 | 0.84% |
| Richmond city, VA | 227,595 | $2,834 | $328,100 | 0.86% |
| Montgomery County, AL | 227,197 | $598 | $160,100 | 0.37% |
| Mahoning County, OH | 227,063 | $1,975 | $141,100 | 1.40% |
| Shelby County, AL | 226,955 | $1,343 | $298,700 | 0.45% |
The closest population match is Jefferson County, Missouri (228,227 residents), where the median real estate tax paid is $1,835 on a median home value of $218,800 — $164 less than Montgomery County pays.
Staying within Tennessee, the counties nearest Montgomery County by population are Rutherford County (351,591 residents, median tax $1,757 on a median value of $346,400); Williamson County (254,609 residents, median tax $2,891 on a median value of $673,700); Sumner County (200,553 residents, median tax $1,944 on a median value of $364,000); Sullivan County (159,693 residents, median tax $1,205 on a median value of $190,800). The spread in their median bills — all under the same state framework — shows how much of the property tax burden is decided county by county and district by district.
How the tax is worked out
Think of the final bill as three ingredients: the assessed value of the property, the exemptions subtracted from it, and the combined rate of every district the property sits in. Montgomery County's medians imply a derived rate of 0.67%; applied illustratively, a $400,000 home would owe about $2,692 a year, or around $224 a month spread evenly. Individual properties depart from the illustration in both directions.
Illustrative bills in Montgomery County at the derived rate
The derived rate of 0.67% is only an estimate built from medians, but applying it to different home values gives a sense of scale for Montgomery County — and a quick way to compare with the state derived rate of 0.55% and the US figure of 0.98%:
| Home value | Illustrative tax / year | Per month |
|---|---|---|
| $150,000 | $1,010 | $84 |
| $250,000 | $1,682 | $140 |
| $350,000 | $2,356 | $196 |
| $500,000 | $3,365 | $280 |
| $750,000 | $5,048 | $421 |
Illustration only: real bills are computed from the assessed value, exemptions, and the combined rates of the property's actual taxing districts.
Checking your assessment in Montgomery County
Believe your assessment is too high? The practical order of attack is: obtain your record card and audit it line by line; collect comparable recent sales in Montgomery County; ask the assessor's office to correct anything plainly wrong; and, if the value still seems off, lodge a formal appeal ahead of the deadline printed on your assessment notice. Windows are short — often 30 to 90 days — and late appeals are usually rejected outright, however strong the case.
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Frequently asked questions
What is the median property tax in Montgomery County, Tennessee?
The median real estate tax paid in Montgomery County, Tennessee is $1,671 per year, on a median home value of $248,300 (US Census Bureau, American Community Survey (ACS) 5-year estimates, 2023).
What is the effective property tax rate in Montgomery County, Tennessee?
On a derived basis, 0.67%: the county's median tax bill of $1,671 divided by its median home value of $248,300. Because it is calculated from two survey medians, read it as a comparison estimate rather than an official rate.
How does Montgomery County compare with the rest of Tennessee?
By median taxes paid, Montgomery County stands at #8 among the 95 Tennessee counties the Census publishes figures for. Its $1,671 median bill is about 19% higher than the state median ($1,400), and 7 counties in the state record a higher median.
How are property taxes calculated in Montgomery County, Tennessee?
Three steps produce the bill: an assessment of market value by the local assessor, a reduction for exemptions you qualify for (a homestead exemption is the common one), and multiplication by the combined rates of the county, municipality, school district and any special districts covering the property. The median result in Montgomery County is $1,671 of tax on a $248,300 median home value.
Can I appeal my property tax assessment in Montgomery County, Tennessee?
Yes — appeals are handled locally. Start with the Montgomery County assessor's property record card for your home, correct any factual errors, and back your case with comparable recent sales. Formal appeals go to the review board named on your assessment notice and must be filed by its deadline, typically within 30 to 90 days.