The Davidson County, TN property tax rate for 2025 is $2.782 per $100 of assessed value in the General Services District and $2.814 per $100 in the Urban Services District, the two zones every property in the county falls into.1Nashville Property Assessor. Tax Rates and Calculator Both rates dropped from their 2022–2024 levels of $2.922 (GSD) and $3.254 (USD) after a county-wide reappraisal raised property values and the Metropolitan Council adjusted the rates downward.
Which District You’re In
The General Services District covers all of Davidson County and pays for services every resident uses: courts, general government, and public schools. The Urban Services District sits inside the GSD and covers the more densely developed parts of Nashville. USD residents pay the higher rate because they also receive residential trash pickup, street lighting, and sewer infrastructure.
If your property is in the GSD only, you pay $2.782. If it’s inside the USD, you pay $2.814. The Metro Council votes on rates each year as part of the budget process, so the figures above apply to the current tax year and can change the next time the Council sets a budget.
How to Calculate Your Bill
Tennessee doesn’t tax your property’s full appraised value. The Davidson County Assessor of Property estimates fair market value, and then state law applies an assessment ratio: 25% for residential and farm property, 40% for commercial and industrial property.2Tennessee Comptroller of the Treasury. How to Calculate Your Tax Bill The assessed value is what the tax rate applies to.
The arithmetic: divide your assessed value by 100, then multiply by your district’s rate. A home appraised at $400,000 has an assessed value of $100,000. Divide by 100 to get 1,000, then multiply by the USD rate of $2.814 for an annual bill of $2,814.3Nashville.gov. Calculate Property Taxes The same home in the GSD would owe $2,782.
Why the 2025 Rates Dropped
Davidson County reappraises every property on a four-year cycle. The 2025 reappraisal followed the previous one in 2021.4Nashville Property Assessor. Reappraisal Between reappraisals, appraisers conduct visual inspections of roughly a third of parcels each year.
A reappraisal doesn’t automatically raise the average tax bill. Tennessee law requires a “certified tax rate” after each reappraisal, which is the rate that would bring in the same total revenue as the prior year despite higher values. If the Council adopts a rate at or below the certified rate, average bills stay flat. Exceeding the certified rate requires a public hearing.5Tennessee Comptroller of the Treasury. Property Tax Reappraisal and Certified Tax Rate Individual bills still shift. If your property’s value rose faster than the county average, you’ll pay more at the certified rate. If it rose slower, you’ll pay less.
If Your Assessment Looks Too High
There are two levels of appeal if you think the Assessor overvalued your property. The first is an informal review handled by the Assessor’s office, where a deputy appraiser considers information you submit. For the 2026 assessment year, the deadline is April 17, 2026 at 4:00 p.m., and you can file online through the Assessor’s website.6Nashville Property Assessor. Informal Review Request
If the informal review doesn’t resolve things, you can file a formal appeal with the Metropolitan Board of Equalization. Bring evidence that supports a lower value. The strongest proof is comparable sales from homes similar to yours in age, size, and features. A private appraisal helps but isn’t required. Repair estimates for genuine structural problems (not routine maintenance), photographs of damage or outdated features, and income and expense statements for commercial property all carry weight.7Nashville Property Assessor. File a Formal Appeal to The Independent Metropolitan Board of Equalization You can appear in person or send a family member, attorney, or tax representative.
After the Board rules, you have 45 days from the date on the decision letter to appeal to the State Board of Equalization. Private residential appraisals typically run $250 to $800, so weigh the potential savings against that cost before hiring one.
Programs That Can Lower What You Actually Pay
Tennessee runs two programs, administered through the Metropolitan Trustee’s office, that can meaningfully reduce the burden for qualifying homeowners. They work differently, and you can benefit from both at once.
Property Tax Relief
The Property Tax Relief program reimburses eligible homeowners for part or all of their property taxes. You still owe the full bill, and the state sends money back afterward. To qualify, you must be at least 65 or have a total, permanent disability, and combined household income (you plus your spouse) cannot exceed the annual limit.8Tennessee Comptroller of the Treasury. Property Tax Relief For the 2026 tax year, that ceiling is approximately $38,470 based on 2025 income. It adjusts each year with the Social Security cost-of-living increase.
Disabled veterans and their surviving spouses qualify under a separate tier with no income cap. The veteran must have a service-connected disability resulting in paraplegia, loss of two or more limbs, legal blindness, or a permanent and total VA disability rating. The maximum market value eligible for relief is $175,000.9State of Tennessee. Property Tax Relief for Disabled Veterans
Property Tax Freeze
The Tax Freeze locks your bill at the amount you owed in the year you first qualify. Even if values climb or the Council raises rates later, your bill stays flat. You must be 65 or older by the end of the application year, and combined household income cannot exceed the program limit, which was $61,920 for the 2025 tax year and adjusts annually with Social Security.10Tennessee Comptroller of the Treasury. Property Tax Freeze The freeze is only for seniors; disabled homeowners under 65 aren’t eligible.
Both programs require annual recertification. When you apply, bring your driver’s license, Medicare card, federal income tax return (or Social Security 1099 and bank statement if you didn’t file), and any disability award letters. If the address on your license doesn’t match the property address, bring a recent car insurance statement, voter registration card, or a combination of utility bills and a bank statement.11Nashville.gov. 2025 Property Tax Relief and Freeze for Davidson County
When the Bill Is Due
Property tax bills become due on the first Monday of October and must be paid in full by the last day of February the following year. Davidson County doesn’t offer installment plans.12Nashville.gov. Property Tax Questions and Answers Starting March 1, interest accrues at 1.5% per month, which works out to 18% annualized. That compounds quickly.
If taxes stay delinquent, the county can file a delinquent tax suit. After the suit, the property goes to a tax sale. The former owner keeps a right of redemption and can pay everything owed to reclaim the property, but by that stage legal fees have been added to the original debt.
You can pay through the Trustee’s online portal at nashville.gov using electronic check or card, by mail, in person at the Trustee’s office, or at designated banks around the county. Card payments carry a 2.55% processing fee with a $2.00 minimum, so electronic check is cheaper on a large bill.13Nashville.gov. Office of the Metropolitan Trustee Keep the receipt either way; mortgage servicers that handle escrow sometimes ask for proof of payment.