What a Alcoa house pays
Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.
Sent only to free public map services to find who serves it. Not stored unless you save your house.
Starts at the typical market value, $277,100; your assessed value is often lower. Typical use.
- Property tax$1,870
0.675% of $277,100
- Electricity$1,836
1154 kWh a month $1,836
- Water and sewer$1,396
7,000 gallons a month on City of Alcoa water: water $44, sewer $69, stormwater fee $3 a month
- Trash$0
City trash cart (first container, no monthly fee), $0 a month
- Home insurance$1,492
Typical premium $1,492
A Alcoa house at the typical market value ($277,100) pays about $6,600 a year: $1,870 property tax and charges, $1,400 water and sewer, $0 trash, $1,840 electricity, $1,490 home insurance. Estimated from public rates, not anyone's actual bill.
Rates checked Oct 22, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.
Ways to pay less
One change saves this house about $472 a year:
Bring water use down to 3 units
$472 a yearAbove 3 units a month, City of Alcoa water charges $6.55 a unit instead of $0.00.
How: Most of the top tier is outdoor watering: fix leaks and water less often in summer.
Worth checking
Seniors 65+ or disabled, low income: state property tax reliefIncome up to $38,470
Tennessee's tax relief program provides property tax relief for low-income elderly and disabled homeowners, as a payment to reimburse part or all of paid property taxes. You must be 65 on or before 12/31/2026. The Blount County Trustee lists an income limit of $38,470. It is not an exemption.
How: Contact the county trustee to apply. You may apply when you receive your 2026 property tax bill; the deadline is 35 days after the delinquency date.
Seniors 65+: Blount County property tax freeze
Blount County's Trustee accepts yearly applications from owners 65 or older to have all or a portion of their county property taxes frozen. Total combined 2025 income must not exceed $63,470.
How: Call the Blount County Trustee at (865) 273-5900; the deadline for the 2026 tax year is April 5, 2027.
Disabled veterans or surviving spouses: state property tax relief
Tennessee also gives property tax relief to disabled veteran homeowners and their surviving spouses, calculated on up to $175,000 of market value; other requirements apply.
How: Contact the county trustee to apply; surviving spouses complete form F-16S.
Extra trash cart
An additional roll out cart may be purchased for $67 at the Municipal Building.
How: Buy it at the Alcoa Municipal Building.
Money dates
- Apr 5, 2027Deadline to apply for the Blount County property tax freeze for the 2026 tax year.
- 35 days after delinquencyTennessee tax relief applications are due 35 days after the delinquency date, and taxes must also be paid by this date.
Who serves this house
- Water
- City of Alcoa water
- City of Alcoa residential inside city, effective January 1, 2026: $20.80 monthly minimum for the first 2,000 gallons, then $4.90 per 1,000 gallons over 2,000.
- Property tax
- 0.68% of value
- 2026 tax year: City of Alcoa (FY 2027) and Blount County
- Garbage
- City of Alcoa Sanitation Services
- The Sanitation Services Division is responsible for all solid waste collections; the MTAS 2025 survey lists no monthly fee for the first container
- Sewer
- City of Alcoa
- Residential inside city: $20.50 base customer charge plus $7.25 per 1000 gal. of water consumption
- Electricity
- City of Alcoa Electric Department
- Residential: $27.06 customer charge and 10.916 cents/kWh (rates effective September 2026)
Your water
- Source
- EPA records list the system as surface water (SW).
- System
- EPA records list the system as serving 35,238 people.
Other TN cities
What a Clarksville house paysWhat a Collierville house paysWhat a Columbia house paysWhat a Gallatin house paysWhat a Lebanon house paysWhat a Red Bank house paysWhat a Signal Mountain house paysWhat a Smyrna house paysWhat a Germantown house paysWhat a Johnson City house paysWhat a Oak Ridge house paysWhat a Goodlettsville house paysWhat a Bartlett house paysWhat a Lenoir City house paysWhat a East Ridge house paysWhat a Fairview house paysWhat a Elizabethton house paysWhat a Hendersonville house paysWhat a La Vergne house paysWhat a Maryville house paysWhat a Collegedale house paysWhat a Millington house paysWhat a Lawrenceburg house paysWhat a Soddy-Daisy house paysWhat a Paris house paysWhat a Portland house pays
How these numbers are made
- Water: City of Alcoa Rate A, residential inside city, effective January 1, 2026: $20.80 minimum covering the first 2,000 gallons, $4.90 per 1,000 gallons above. Sewer: Rate A residential inside city, $20.50 base plus $7.25 per 1000 gal. of water, billed on at most 15,000 gallons. No typical water use is published, so the page starts at its default.
- Stormwater: the City's FAQ says residential units pay a flat $3 per month; a 2016 notice described a $4 to $12 neighborhood-based schedule from 2017, so your fee may differ.
- Property tax (the county freeze is a county program; no City of Alcoa freeze was found): 2026 rates per $100 of assessed value (converted here to a share of appraised value by dividing by 100 and by 4): City of Alcoa $1.41 (the certified rate approved on first reading June 9, 2026 per The Daily Times; second reading was expected June 26 and not confirmed) and Blount County $1.29 (adopted FY 2026-27). Homes are assessed at 25% of appraised value. The county rate is assumed to apply inside Alcoa as well. Tennessee has no general homestead exemption. The starting value is the Census median value ($277,100), a market value.
- Electricity: City of Alcoa Electric Department residential rate effective September 2026 (the energy charge is reposted monthly, so other months differ). Typical use is the Tennessee residential average from EIA (1,154 kWh a month). Insurance is the 2022 NAIC Tennessee average.
- Not included: natural gas (no gas utility serving Alcoa homes was found, so there is no gas line), recycling (Waste Connections; no fee found), and any charges specific to one property.
- Nothing here is legal, tax or insurance advice.
- Alcoa water and sewer fees and rates (Jan 2026)
- Alcoa electric rates
- Alcoa commercial utilities (services in city limits)
- Alcoa sanitation and recycling
- MTAS residential solid waste survey 2025
- EPA water system record
- Alcoa stormwater FAQ
- Daily Times: Alcoa FY2027 tax rate
- Blount County property tax
- Blount County tax freeze program
- Blount County tax relief program
- Census median home value, Alcoa
- TN Comptroller: figure your tax bill
- TN tax relief brochure
- TN tax relief
- EIA residential use by state
- Triple-I homeowners premiums
How Alcoa compares
A typical Alcoa house against the 20 Tennessee cities we cover, using the same default numbers as the total above.
| Per year | Alcoa | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 0.68% | 0.62% | higher than 11 of the other 19 Tennessee cities we cover |
| Water | $528 | $492 | higher than 11 of the other 19 Tennessee cities we cover |
| Sewer and utility-bill fees | $868 | $776 | higher than 14 of the other 19 Tennessee cities we cover |
| Trash | $0 | $223 | lower than 13 of the other 13 Tennessee cities we cover |
| Electricity and gas | $1,836 | $2,466 | lower than 19 of the other 19 Tennessee cities we cover |
| Home insurance | $1,492 | $1,492 | in the middle of 19 other Tennessee cities we cover |
| Total | $6,594 | $7,240 | lower than 16 of the other 19 Tennessee cities we cover |
Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.
Questions to ask your candidates
Each one starts from a number above. Any candidate can answer them.
1. Trash
The fact: Trash pickup here costs about $0 a year for the standard cart, lower than 13 of the other 13 Tennessee cities we cover. Where trash is billed through the tax bill or a separate hauler, it is not counted here.
Ask: "Trash pickup here costs about $0 a year for the standard cart, lower than 13 of the other 13 Tennessee cities we cover. What drives that cost, and would you change anything about the service or the price?"
2. Electricity and gas
The fact: Electricity and gas for a typical house here cost about $1,836 a year, lower than 19 of the other 19 Tennessee cities we cover. Rates are set mostly by the utility and the state.
Ask: "Electricity and gas here cost about $1,836 a year for a typical house, lower than 19 of the other 19 Tennessee cities we cover. Which parts of that can the city influence, and what would you do about them?"
Common questions about Alcoa house costs
What is the property tax rate in Alcoa?
About 0.68% of the value before exemptions a year (2026 tax year: City of Alcoa (FY 2027) and Blount County), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Alcoa?
About $3,375 a year on $500,000 of the value before exemptions.
How much is the water bill in Alcoa?
About $116 a month for water and sewer at typical use (7,000 gallons a month) on City of Alcoa water.
How much does trash pickup cost in Alcoa?
$0 a month for a house.
Can seniors lower their property tax or bills in Alcoa?
Yes. Seniors 65+ or disabled, low income: state property tax relief: Tennessee's tax relief program provides property tax relief for low-income elderly and disabled homeowners, as a payment to reimburse part or all of paid property taxes. You must be 65 on or before 12/31/2026. The Blount County Trustee lists an income limit of $38,470. It is not an exemption.
Where can I get help paying utility bills in Alcoa?
Seniors 65+ or disabled, low income: state property tax relief: Tennessee's tax relief program provides property tax relief for low-income elderly and disabled homeowners, as a payment to reimburse part or all of paid property taxes. You must be 65 on or before 12/31/2026. The Blount County Trustee lists an income limit of $38,470. It is not an exemption. Contact the county trustee to apply. You may apply when you receive your 2026 property tax bill; the deadline is 35 days after the delinquency date.
How much does a house in Alcoa cost to run each year?
A Alcoa house at the typical market value ($277,100) pays about $6,600 a year: $1,870 property tax and charges, $1,400 water and sewer, $0 trash, $1,840 electricity, $1,490 home insurance. Estimated from public rates, not anyone's actual bill.