Gallatin, TN · Updated Oct 2026

What a Gallatin 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 Gallatin house

$7,285a year · $607 a month

Starts at the typical market value, $372,000; your assessed value is often lower. Typical use.

A Gallatin house at the typical market value ($372,000) pays about $7,300 a year: $1,810 property tax and charges, $1,090 water and sewer, $250 trash, $2,630 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+: Sumner County property tax freezeIncome limit $48,550 (2026)
Homeowners 65 or older whose income from all sources is $48,550 or less (Sumner County, tax year 2026) can have the tax on their home frozen at the amount owed in the year they first qualify, even if the rate goes up or the county reappraises.
How: Apply every year with the Sumner County Trustee (615-452-1260); 2026 applications are taken beginning September 2026.
Lower your stormwater fee with on-site runoff controls
The City's stormwater fee credit manual lets customers reduce their monthly fee by installing best management practices that reduce runoff to the City's stormwater system.
How: Apply for a credit under the City's Stormwater Utility Fee Credit Manual, posted on the City's website.

Money dates

From Sep 2026The Sumner County Trustee takes 2026 tax freeze applications beginning September 2026; applications must be completed no later than 35 days after the February tax payment deadline, and owners must requalify every year.
JuneThe Sumner County Board of Equalization meets beginning June 1 to hear appeals of property values; start with an informal discussion with the Assessor.

Who serves this house

Water: Gallatin Public Utilities; Gallatin Public Utilities residential rates inside city limits, effective July 1, 2026: a meter charge plus a charge per 100 cubic feet
Property tax: 0.49% of value; 2026 tax year (FY 2027), City of Gallatin and Sumner County
Garbage: City of Gallatin Environmental Services; Optional weekly pickup at $21 per container a month; drop-off recycling at 641 Long Hollow Pike
Sewer: Gallatin Public Utilities; Sewer is billed on metered water use
Electricity: Gallatin Department of Electricity; Residential customer charge $25.61 plus a base rate and fuel cost per kWh
Gas: Gallatin Public Utilities; Natural gas service; residential meter charge $15.00 from July 1, 2026
Schools: Sumner County; Of the county's $1.4210 tax rate for fiscal year 2027, $0.7144 goes to the General Purpose School fund

Pay or manage your bills

Your water

Source: Water is pumped from an intake on the Cumberland River - Old Hickory Lake to the Water Treatment Plant.
Lead: In the most recent round of lead and copper testing, 0 out of 30 households sampled exceeded the Action Level.
PFAS: PFOS averaged 2.6 ppt (range ND - 2.6) and PFBS 1.2 ppt in 2024 quarterly monitoring.

How these numbers are made

Gallatin Public Utilities bills water, sewer, natural gas and the City's stormwater fee on one monthly utility bill. Water (inside city, residential, from July 1, 2026): $11.92 meter charge plus $3.40 per 100 cubic feet (one CCF). Sewer: $13.46 customer charge plus $3.35 per CCF of metered water. Stormwater: $5.00 a month, the tier most single-family homes pay under the 2018 stormwater ordinance.
Garbage is an optional City service at $21 per container per month; we show one container. Recycling is drop-off only, so there is no recycling charge.
Property tax: Tennessee assesses a house at 25% of its appraised value and sets rates per $100 of that assessed value. 2026 rates: City of Gallatin $0.5295 and Sumner County $1.421 (of which $0.7144 is the General Purpose School fund). On appraised value that is 0.5295 / 100 x 25% = 0.132% for the city and 1.421 / 100 x 25% = 0.355% for the county, 0.488% in all. Gallatin and Sumner County send separate bills. Tennessee has no general homestead exemption; relief and freeze 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 Gallatin ($372,000, 2020-2024), a market value; enter your appraised value from the Sumner County Assessor (values are from the 2024 countywide reappraisal; the next is in 2029).
Electricity: Gallatin Department of Electricity's September 2026 residential sheet, $25.61 customer charge and the year-round average of its summer (10.875¢), winter (12.033¢) and transition-month (11.491¢) effective rates, four months each: 11.466¢ per kWh. The fuel cost part changes every month. Some addresses at the city's edges may be served by another electric co-op.
Natural gas: $15.00 meter charge (from July 1, 2026) plus the $3.50 minimum for the first 2 ccf, then the per-ccf price, which Gallatin Public Utilities changes monthly with its cost of gas. We use the average of four posted inside-city residential prices (August 2025 $0.91, February 2026 $1.39, April 2026 $0.92, May 2026 $0.86 per ccf) = $1.02 per ccf, about $0.98 per therm. Typical use: Tennessee residential averages from EIA (1,154 kWh and about 46 therms a month). Some Gallatin Public Utilities pages are copied from the Internet Archive because the utility's site blocks automated downloads.
Nothing here is legal, tax or insurance advice.

Sources

How Gallatin compares

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

Per year	Gallatin	Median	Where it falls
Property tax rate	0.49%	0.62%	lower than 15 of the other 19 Tennessee cities we cover
Water	$510	$492	higher than 10 of the other 19 Tennessee cities we cover
Sewer and utility-bill fees	$583	$776	lower than 15 of the other 19 Tennessee cities we cover
Trash	$252	$223	higher than 8 of the other 13 Tennessee cities we cover
Electricity and gas	$2,633	$2,466	higher than 12 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	$7,285	$7,240	higher 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.

Questions to ask your candidates

Each one starts from a number above. Any candidate can answer them.

1. Property tax rate

The fact: Gallatin's property tax rate is 0.49%, lower than 15 of the other 19 Tennessee cities we cover. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in Gallatin is 0.49%, lower than 15 of the other 19 Tennessee cities we cover. What should that money pay for first, and would you change anything about how it is set?"

2. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $583 a year, lower than 15 of the other 19 Tennessee cities we cover. Some cities bill sewer on the property tax bill instead, which is not counted here.

Ask: "Sewer and flat utility-bill charges here cost about $583 a year, lower than 15 of the other 19 Tennessee cities we cover. What drives that cost, and would you change anything?"

See who is running in your city →

Common questions about Gallatin house costs

What is the property tax rate in Gallatin?

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

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

About $2,438 a year on $500,000 of the value before exemptions.

How much is the water bill in Gallatin?

About $91 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on Gallatin Public Utilities.

How much does trash pickup cost in Gallatin?

$21 a month for a house.

Can seniors lower their property tax or bills in Gallatin?

Yes. Seniors 65+: Sumner County property tax freeze: Homeowners 65 or older whose income from all sources is $48,550 or less (Sumner County, tax year 2026) can have the tax on their home frozen at the amount owed in the year they first qualify, even if the rate goes up or the county reappraises.

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

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