Clarksville, TN · Updated Oct 2026

What a Clarksville 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.

Example · a Clarksville house

$7,194a year · $600 a month

Starts at the typical market value, $263,600; your assessed value is often lower. Typical use.

Property tax$2,049
0.777% of $263,600
Electricity and gas$2,408
1154 kWh a month $1,926 · 45.8 therms $481
Water and sewer$1,245
7,000 gallons a month on Clarksville Gas & Water: water $39, sewer $60, bi-county solid waste fee $5 a month
TrashNot included
Trash pickup is not a city or county service; households hire a private hauler
Home insurance$1,492
Typical premium $1,492

A Clarksville house at the typical market value ($263,600) pays about $7,200 a year: $2,050 property tax and charges, $1,250 water and sewer, $2,410 electricity and gas, $1,490 home insurance; trash is billed separately. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 21, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.

Ways to pay less

Nothing here applies to every house automatically. These are worth checking:

Seniors 65+ or disabled, low income: state property tax reliefIncome up to $38,470
The State of Tennessee pays all or part of the property tax on the home of owners 65 or older, or totally and permanently disabled, whose total income is $38,470 or less. It is a reimbursement, not an exemption: you still get and pay your tax bills.
How: Apply at the Montgomery County Trustee's Office or, inside city limits, at the City of Clarksville; the 2026 window runs November 1, 2026 to April 5, 2027.
Disabled veterans or surviving spouses: state property tax relief
Homeowners with a qualifying service-connected disability (such as a total and permanent disability rating), or their unremarried surviving spouses, can have the State pay all or part of the property tax on their home.
How: Apply at the Montgomery County Trustee's Office (931-648-5710) from November 1, 2026; eligibility is checked with the VA through consent form F-16 or F-16S.
Seniors 65+: Montgomery County property tax freezeIncome limit $63,470
Homeowners 65 or older whose combined 2025 income is $63,470 or less can freeze the tax on their home at the amount for the year they qualify, even if the tax rate or appraisal goes up. The County notifies the City of your freeze.
How: Apply in person at the Montgomery County Trustee's Office, 350 Pageant Lane, Suite 101-B, by April 5, 2027, with proof of age, ownership, residency and income; reapply every year.

Money dates

Nov 1, 2026in 9 daysThe 2026 tax relief application window opens for elderly, disabled and disabled veteran homeowners.
Apr 5, 2027Deadline to file 2026 Tax Relief and Tax Freeze applications at the Trustee's office; 2026 taxes must be paid in full first.
May 15 to June 1Call the Assessor's Office (931-648-5709) to book a County Board of Equalization appeal hearing; the board meets from the first business day of June.
Aug 1Deadline to appeal to the State Board of Equalization: August 1 or 45 days after the County Board's letter, whichever is later.

Who serves this house

Water: Clarksville Gas & Water; Clarksville Gas & Water residential rates inside the city, effective July 1, 2024: a monthly customer charge for meters up to ¾" plus a usage fee per 1,000 gallons
Property tax: 0.78% of value; 2026 tax year (FY 2027), City of Clarksville and Montgomery County
Garbage: Bi-County Solid Waste Management; No city or county curbside pickup; every household pays a $5 a month Bi-County user fee, and a private hauler is extra
Sewer: Clarksville Gas & Water; $8.14 per 1,000 gallons inside the city plus a $5.00 monthly environmental compliance fee
Electricity: CDE Lightband; Residential (RS) customer charge $30.50 in October 2026, plus an energy rate per kWh and a grid access charge
Gas: Clarksville Gas & Water; Residential inside city: $15.000 monthly meter charge plus usage and commodity charges per 100 cf
Schools: Montgomery County; Of the county's $2.10 tax rate for FY 2027, $0.369 goes to General Purpose School and $0.031 to School Transportation

Pay or manage your bills

Your water

Source: Your water is surface water from the Cumberland River.
Lead: In June 2024 lead and copper testing, all results were below the action level for lead and copper.
PFAS: PFOA and PFOS were below the minimum reporting level in UCMR5 testing in 2024-2025.
Standards: The 2025 report says the water meets or exceeds all federal and state drinking water standards.

How these numbers are made

Clarksville Gas & Water bills water, sewer and natural gas. Water (inside city, residential, effective July 1, 2024, the latest schedule posted): $9.00 customer charge for meters up to ¾" plus $4.45 per 1,000 gallons. Sewer: $8.14 per 1,000 gallons of water plus the $5.00 monthly environmental compliance fee; the 2,000-gallon minimum bill is not modeled. No stormwater fee is counted: none appears on the posted water and sewer rate schedule.
Garbage: neither the City nor Montgomery County runs trash pickup, so a private hauler's bill is not counted; add your hauler's price. The required Bi-County Solid Waste user fee, $15 a quarter per household (15 / 3 = $5 a month), is counted as a monthly fee; Bi-County bills it separately, not on the Gas & Water bill.
Property tax: Tennessee assesses a house at 25% of its appraised value and sets rates per $100 of assessed value. 2026 rates: City of Clarksville $1.01 and Montgomery County $2.10 (County General $1.130, General Roads $0.140, Debt Service $0.390, Capital Projects $0.040, General Purpose School $0.369, School Transportation $0.031). On appraised value that is 1.01 / 100 x 25% = 0.2525% for the city and 2.10 / 100 x 25% = 0.525% for the county, 0.7775% in all. The City and the County Trustee send separate bills. Tennessee has no general homestead exemption; relief and freeze programs are listed as tips.
The starting home value is the Census median value of owner-occupied homes in Clarksville ($263,600, 2020-2024), a market value; enter your appraised value from the Montgomery County Assessor. Montgomery County reappraises on a five-year cycle; the county budget's rate history shows the last certified (reappraisal) rate in tax year 2024.
Electricity: CDE Lightband residential rate RS. Fixed: the October 2026 $30.50 customer charge plus the $4.00 grid access charge that applies from 1,001 to 2,000 kWh (the typical use below); at 1,000 kWh or less the grid access charge is $2.00. Energy: the average of six posted monthly RS energy rates (July 2025 $0.11450, November 2025 $0.10332, December 2025 $0.10597, January 2026 $0.10807, April 2026 $0.11918, October 2026 $0.10426) = $0.10922 per kWh; earlier months are Internet Archive copies of CDE's rates page. Some homes at the city's edges may be served by a different electric co-op.
Natural gas: $15.000 meter charge plus the $0.140 per 100 cf usage charge (both from July 1, 2026) and the average of 12 monthly commodity charges (November 2025 to October 2026) = $0.4288 per 100 cf, $0.5688 per ccf in all, about $0.549 per therm. Typical use: Tennessee residential averages from EIA (1,154 kWh and about 46 therms a month). Insurance: the 2022 NAIC Tennessee average premium (HO-3) until you enter your own.
Nothing here is legal, tax or insurance advice.

Sources

How Clarksville compares

A typical Clarksville house against the 20 Tennessee cities we cover, using the same default numbers as the total above.

Per year	Clarksville	Median	Where it falls
Property tax rate	0.78%	0.62%	higher than 14 of the other 19 Tennessee cities we cover
Water	$467	$492	lower than 11 of the other 19 Tennessee cities we cover
Sewer and utility-bill fees	$778	$776	higher than 11 of the other 19 Tennessee cities we cover
Electricity and gas	$2,408	$2,466	lower than 13 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	$7,194	$7,240	lower than 10 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.

Common questions about Clarksville house costs

What is the property tax rate in Clarksville?

About 0.78% of the value before exemptions a year (2026 tax year (FY 2027), City of Clarksville and Montgomery County), plus flat charges on the same bill.

How much is property tax on a $500,000 house in Clarksville?

About $3,888 a year on $500,000 of the value before exemptions.

How much is the water bill in Clarksville?

About $104 a month for water and sewer at typical use (7,000 gallons a month) on Clarksville Gas & Water.

How much does trash pickup cost in Clarksville?

Trash pickup is not a city or county service; households hire a private hauler

Can seniors lower their property tax or bills in Clarksville?

Yes. Seniors 65+ or disabled, low income: state property tax relief: The State of Tennessee pays all or part of the property tax on the home of owners 65 or older, or totally and permanently disabled, whose total income is $38,470 or less. It is a reimbursement, not an exemption: you still get and pay your tax bills.

How much does a house in Clarksville cost to run each year?

All Tennessee cities All cities