Property owners inside the Clarksville, TN city limits pay a combined property tax rate of $3.02 per $100 of assessed value, made up of a $2.10 Montgomery County rate and a $0.92 city rate. Parcels in unincorporated Montgomery County pay only the $2.10 county portion.1Montgomery County, TN. Property Tax and Proration Calculators Bills go out the last week of October and must be paid in full by the last day of February to avoid interest.2Montgomery County, TN. Frequently Asked Questions
Who Pays Which Rate
The county rate of $2.10 per $100 of assessed value applies to every parcel in Montgomery County. The city adds another $0.92 per $100 on top of that, but only for property inside the Clarksville city limits.1Montgomery County, TN. Property Tax and Proration Calculators The Tennessee Comptroller lists the same $3.02 combined figure for city residents.3Tennessee Comptroller of the Treasury. County Assessment Summary
That gap matters when you’re comparing houses near the city boundary. An identical home just inside the line carries roughly 44 percent more in annual property tax than one just outside it.
How Your Bill Is Calculated
Tennessee does not tax your home’s full market value. The Montgomery County Property Assessor sets an appraised market value, and the state constitution then applies an assessment ratio: 25 percent for residential and farm property, 40 percent for commercial and industrial.4Tennessee Comptroller of the Treasury. How to Calculate Your Tax Bill The tax rate is applied to that assessed value, not the appraised value.
To do the math, divide the assessed value by 100 and multiply by your rate. For a Clarksville home appraised at $300,000:
- Appraised market value: $300,000
- Assessed value at 25 percent: $75,000
- County tax: $75,000 ÷ 100 × $2.10 = $1,575
- City tax: $75,000 ÷ 100 × $0.92 = $690
- Total annual bill: $2,265
The same house in unincorporated Montgomery County would owe $1,575, since the city portion wouldn’t apply.1Montgomery County, TN. Property Tax and Proration Calculators
Deadlines and How to Pay
Tax bills are mailed the last week of October. Taxes are legally due starting the first Monday of October and must be paid in full by the last day of February.2Montgomery County, TN. Frequently Asked Questions You can pay online, by mail, in person at the Montgomery County Trustee’s office, or at participating community banks between November and February.5Montgomery County, TN. Trustee
If your mortgage lender collects taxes through escrow, they pay the Trustee directly. Watch for escrow adjustments when the appraised value or the local rate changes, because your monthly mortgage payment will typically be recalculated at the next annual review. A shortage can be paid in a lump sum to hold your payment steady, or spread across the next 12 months on top of the higher escrow amount.
What Happens If You Pay Late
Starting March 1, interest of 1.5 percent per month, or 18 percent per year, is added to any unpaid balance.6City of Clarksville, Tennessee. Frequently Asked Questions – Property Tax That interest compounds for as long as the bill sits unpaid.
Eventually, the county’s delinquent tax attorney files suit in chancery court to sell the property and satisfy the tax lien. You can stop that by paying the full balance to the Clerk and Master at any point before the sale, and the case is dismissed. If a sale does happen, the previous owner has 12 months from the court order to redeem the property by paying everything owed. Once that window closes, the purchaser receives a deed and the former owner’s rights end.
Relief Programs That Lower Your Bill
Elderly and Disabled Homeowners
Tennessee reimburses property taxes for homeowners who are 65 or older, or who have a total and permanent disability, when total household income falls below the state’s annual limit. For the 2026 tax year the limit is $38,470, based on 2025 household income, and it adjusts each year with the Social Security cost-of-living increase.7Municipal Technical Advisory Service. Property Tax Relief for the Elderly and Disabled You must apply within 35 days after the tax bill’s due date, and your taxes have to be paid by that point for the reimbursement to go through.
Disabled Veterans and Surviving Spouses
Disabled veterans and their surviving spouses can receive relief on the first $175,000 of the home’s market value, with no income limit.8Justia Law. Tennessee Code 67-5-704 – Disabled Veterans Residence Tennessee recognizes three qualifying categories:
- Service-connected paraplegia, permanent paralysis of both legs, legal blindness, or loss of two or more limbs.
- Former prisoners of war with a 100 percent permanent and total disability rating from the POW experience.
- Any service-connected permanent and total disability as determined by the U.S. Department of Veterans Affairs.9Tennessee Department of Veterans Services. Property Tax Relief for Disabled Veterans
The VA’s disability determination is conclusive for the program. The home must be your primary residence, and a dishonorable discharge disqualifies the veteran.8Justia Law. Tennessee Code 67-5-704 – Disabled Veterans Residence
Appealing Your Assessment
If your appraised value looks too high, or you spot an error in how the Assessor described the property, you can appeal. Many issues get resolved informally by calling or visiting the Assessor’s office first.10Montgomery County, TN. Appealing Assessments
If that doesn’t settle it, the formal process has three levels:
- County Board of Equalization. Schedule an appointment by calling the Assessor’s office after May 15 and before June 1. The Board starts meeting the first business day of June. Bring appraisals, comparable property assessments, and any other evidence of value. The Board considers only whether the valuation is fair, not whether you can afford the taxes.10Montgomery County, TN. Appealing Assessments
- State Board of Equalization. You must file by August 1 of the tax year or within 45 days of the county board’s decision letter, whichever is later.11Tennessee Comptroller of the Treasury. Value Appeals
- Chancery Court. A final appeal must be filed within 60 days of the State Board’s final order.11Tennessee Comptroller of the Treasury. Value Appeals
Deadlines are strict. Miss the county board window and you generally lose the chance to contest that year’s value. Filing an appeal does not pause your obligation to pay the tax while the case is pending.
Buying or Selling: Proration at Closing
When a Clarksville home changes hands, property taxes are prorated between buyer and seller so each party pays only for the days they owned it. If the seller already paid taxes covering time after closing, the buyer reimburses them at the closing table. If taxes for the seller’s months of ownership haven’t been paid yet, the seller is charged.
Because Montgomery County bills in October for the current calendar year and taxes are due by the following February, the closing date relative to that cycle drives who owes what. Read the closing disclosure line by line. Supplemental or corrected bills that arrive after closing usually land on the buyer and often fall outside the escrow account, which can turn into an unexpected check.