Columbia, TN · Updated Oct 2026

What a Columbia 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 Columbia house

$7,136a year · $595 a month

Starts at the typical market value, $308,700; your assessed value is often lower. Typical use.

A Columbia house at the typical market value ($308,700) pays about $7,100 a year: $1,520 property tax and charges, $1,400 water and sewer, $200 trash, $2,520 electricity and gas, $1,490 home insurance. 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+: City of Columbia property tax reliefUp to $75 a year
The City of Columbia provides local property tax relief of up to $75 per year to qualifying seniors who are 65 or older as of December 31 of the prior year and whose total household income was $38,470 or less for the prior year.
How: Application deadline: January 20 of the current year.
Seniors 65+ and disabled owners: State of Tennessee property tax reliefIncome limit $38,470
The State of Tennessee Property Tax Relief Program helps qualifying homeowners pay their local property taxes. For seniors and totally and permanently disabled homeowners, total income must be $38,470 or less for the prior year; seniors must be 65 or older as of December 31 of the previous year.
How: Application deadline: January 20 of the current year. The Maury County Trustee's office helps qualifying elderly and disabled taxpayers with the application.
Disabled veterans and surviving spouses: State tax relief
Qualifying 100% disabled veterans and surviving spouses of disabled veterans may be eligible for State of Tennessee property tax relief, with documentation from the U.S. Department of Veterans Affairs.
How: Complete Form F-16 (disabled veteran) or F-16S (surviving spouse), available at the City Recorder's Office at City Hall; deadline January 20.
Seniors 65+ or disabled: garbage fee exemption$17 a month
You may qualify for an exemption from the $17.00 per month garbage fee on your CPWS bill if your total household income is at or below $37,470 for the prior year and you are 65 by December 31 of the previous year or completely and permanently disabled.
How: Return the Garbage Fee Exemption Application with your latest CPWS bill, ID and proof of income to the City Recorder's Office at City Hall.
Three free bulky item pickups a year
Residents are allotted three free bulk pickups per year; after that there is a $100 charge per pickup plus landfill tipping fees.
How: Call Public Works (931-388-8650) by 2:00pm on the business day before your scheduled pickup day.

Money dates

Nov 1 – Dec 15in 9 daysCity of Columbia property taxes are due without penalty from November 1 through December 15; 0.5% is added through the end of December, another 0.5% from January 1, and 1% a month from February 1.
Jan 20in 89 daysApplication deadline for City of Columbia senior tax relief and State of Tennessee property tax relief.
Oct – FebMaury County taxes are payable from the first Monday of October through the last day of February; on March 1 unpaid county taxes become delinquent and begin to accrue 1.5% penalty and interest, increasing each month.
JuneDisagree with your appraisal? Ask the Maury County Assessor for an informal review before June 1; formal appeals go to the Maury County Board of Equalization, which normally meets during the first two weeks in June.

Who serves this house

Water: Columbia Power & Water Systems; Columbia Power & Water Systems residential rates inside city limits: a customer charge (minimum bill) plus a commodity charge per 1,000 gallons
Property tax: 0.49% of value; 2026 tax year (FY 2027), City of Columbia and Maury County
Garbage: City of Columbia Public Works, Sanitation Division; $17 a month on your CPWS utility bill; weekly trash, recycling every other week
Sewer: City of Columbia Wastewater; A monthly user charge plus a volume charge per 1,000 gallons of water used
Electricity: Columbia Power & Water Systems (CPWS); Residential customer charge $22.14 a month plus an energy charge per kWh that adjusts monthly for TVA's fuel cost
Gas: Atmos Energy; Residential Schedule 210: monthly customer charge plus a rate per Ccf
Schools: Maury County; Maury County property tax supports the county's General Purpose School fund

Pay or manage your bills

Your water

Source: Water comes from a surface water source called the Duck River.
Lead pipes: CPWS reports the water system has no lead service lines or galvanized service lines requiring replacement.

How these numbers are made

Columbia Power & Water Systems (CPWS) bills electricity and water; the City's $17 monthly sanitation fee is charged on the same utility bill. Water (residential, inside city limits): $20.10 customer charge (minimum bill) plus $4.32 per 1,000 gallons up to 8,000 gallons, $4.92 to 20,000 and $5.22 above, each plus the $0.05 per 1,000 gallons amortization charge. Some addresses may instead be on the Maury County Water System.
Sewer (City of Columbia Wastewater, inside city limits, FY 2026-27 budget): $20.87 monthly user charge plus $6.82 per 1,000 gallons of water used. We found no residential stormwater fee on Columbia utility or tax bills.
Property tax: Tennessee assesses a house at 25% of its appraised value and sets rates per $100 of that assessed value. 2026 is a Maury County reappraisal year, and both governments adopted certified (lower) rates: City of Columbia $0.6068 and Maury County $1.369 (which funds the county's general purpose schools, debt service, highway, solid waste and other funds). On appraised value that is 0.6068 / 100 x 25% = 0.152% for the city and 1.369 / 100 x 25% = 0.342% for the county, 0.494% in all. City and county taxes are billed and paid separately. Tennessee has no general homestead exemption; relief programs for seniors, disabled owners and disabled veterans are listed as tips.
The starting home value is the Census median value of owner-occupied homes in Columbia ($308,700, 2020-2024), a market value; enter your appraised value from the Maury County Assessor (values were reset by the 2026 countywide reappraisal).
Electricity: CPWS residential rate for October 2026, $22.14 customer charge and 10.201 cents per kWh including that month's TVA fuel cost adjustment. The residential rate has a single energy charge with no seasonal tiers; only the fuel part changes month to month (archived 2023-24 CPWS sheets ranged from about 9.9 to 10.4 cents), so the current month stands in for the year. Typical use: Tennessee's 2024 residential average from EIA (1,154 kWh a month).
Natural gas: Atmos Energy Schedule 210 (effective June 1, 2026), customer charge averaged over the year (5 months at $25.20, 7 at $27.20 = $26.37) and $0.9147 per Ccf including the June 2026 purchased gas adjustment, which changes over time; $0.9147 / 1.037 = about $0.882 per therm. Both are raised 5% for the City of Columbia franchise fee, which Atmos bills pro rata to customers in the city (Atmos tariff Sheet 70 lists Columbia at 5.0%, collected as an addition to the bill): $27.69 a month and about $0.926 per therm. Typical use: about 46 therms a month, from EIA's Tennessee residential totals.
Nothing here is legal, tax or insurance advice.

Sources

How Columbia compares

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

Per year	Columbia	Median	Where it falls
Property tax rate	0.49%	0.62%	lower than 14 of the other 19 Tennessee cities we cover
Water	$594	$492	higher than 14 of the other 19 Tennessee cities we cover
Sewer and utility-bill fees	$801	$776	higher than 12 of the other 19 Tennessee cities we cover
Trash	$204	$223	lower than 8 of the other 13 Tennessee cities we cover
Electricity and gas	$2,520	$2,466	higher than 11 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	$7,136	$7,240	lower than 11 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 Columbia house costs

What is the property tax rate in Columbia?

About 0.49% of the value before exemptions a year (2026 tax year (FY 2027), City of Columbia and Maury County), plus flat charges on the same bill.

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

About $2,470 a year on $500,000 of the value before exemptions.

How much is the water bill in Columbia?

About $116 a month for water and sewer at typical use (7,000 gallons a month) on Columbia Power & Water Systems.

How much does trash pickup cost in Columbia?

$17 a month for a house.

When is property tax due in Columbia?

Nov 1 – Dec 15: City of Columbia property taxes are due without penalty from November 1 through December 15; 0.5% is added through the end of December, another 0.5% from January 1, and 1% a month from February 1.

Can seniors lower their property tax or bills in Columbia?

Yes. Seniors 65+: City of Columbia property tax relief: The City of Columbia provides local property tax relief of up to $75 per year to qualifying seniors who are 65 or older as of December 31 of the prior year and whose total household income was $38,470 or less for the prior year.

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

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