Your tax bill, explained

A home in Nashville’s Urban Services District. Enter your own assessed value to see where every dollar of your property tax goes — and how it compares with each government’s “no-raise” rate. Updated 2026-10-06.

$2,814 a year — about $235 a month

On a market value of $400,000 — taxed on 25% of it, $100,000. Tennessee assesses homes at 25% of appraised value. An estimate from published rates — your own tax notice is the final word.

Of every $100 you pay

Metro Nashville — General Services District$98.86 · $2,782 a year

Metro Nashville — Urban Services District$1.14 · $32 a year

Where it ends up — every government’s share, by what it pays for

City services$49.57 · $1,395

Schools$32.02 · $901

Paying off bonds (debt)$18.41 · $518

Metro publishes its rate split by fund, including debt service.

The “no-raise” rate — how this state handles it

Tennessee sets a “certified” (revenue-neutral) rate after each reappraisal. After the 2025 reappraisal it was $2.222 per $100 for the Urban Services District; Metro set $2.814, which is $0.592 above it. The rate is unchanged for 2026; the next reappraisal is 2028.

The Metro Council sets the rate with the budget each June. Meetings are on the calendar.

Each government, line by line

Metro Nashville — General Services District — $2,782 a year

$2.7820 per $100 on $100,000 of taxable value · tax year 2026 (unchanged) · Metro Nashville FY26 Revenue Overview — rate by fund

General services$1,389

Schools$901

General debt service$389

School debt service$103

Metro Nashville — Urban Services District — $32 a year

$0.0320 per $100 on $100,000 of taxable value · tax year 2026 (unchanged) · Metro Nashville FY26 Revenue Overview — rate by fund

Urban debt service$26

Urban services$6

What this doesn’t show — the honest limits

Fees and assessments on the same bill — stormwater, trash, street lights and others — aren’t property taxes and aren’t included.
Senior, veteran, widow and disability exemptions aren’t modeled.
Tennessee’s tax relief and freeze programs for older, disabled and veteran owners aren’t modeled.
Spreading a government’s tax across its whole budget is a fair picture, not a receipt: most budgets also run on other money (sales tax, state aid, fees).

Related: Tax lab — change the rates · The money trail · What if we saved?. This page computes and cites; it doesn’t say what any rate should be. Spot an error? Report it.