Germantown property tax: where it goes
A Germantown house pays 1.121% of its taxable value in property tax. For a house at $470,800 of market value, that's about $5,279 a year.
Tax is levied on assessed value, which for residential property is 25% of appraised value, at rates per $100 of assessed value.
Who taxes this house
| Taxing agency | Rate | On $470,800 |
|---|---|---|
| City of Germantown | 0.4456% | $2,098 |
| Shelby County (general fund and debt service) | 0.3856% | $1,815 |
| Shelby County schools portion (shared by the county and municipal school districts, incl. Germantown Municipal School District) (schools) | 0.29% | $1,365 |
| Total | 1.121% | $5,279 |
2026 tax year (FY 2027), City of Germantown and Shelby County.
Ways to pay less
- Disabled veterans or surviving spouses: state tax relief. Disabled veterans, widow(er)s of disabled veterans and spouses of soldiers killed in action can get a tax relief credit with no income limit; tax relief benefits are available for both city and county taxes. For 2026 the maximum credit on Shelby County property is $1,182.30. How: Call Trustee Customer Service at 901-222-0200 for an application; the deadline to apply is April 5, 2027. The Trustee does not handle tax relief for Germantown city taxes, though relief may be available; to inquire, call the city (Germantown taxes: (901) 757-7218).
Dates
| When | What |
|---|---|
| Apr 5, 2027 | Deadline for 2026 Shelby County tax relief and tax freeze applications to the Shelby County Trustee (postmarked by April 5, 2027). |
| End of Feb | City of Germantown property taxes are due December 1; state-mandated penalties are imposed if they are not paid by the last day of February of the following year. |
| End of Feb | Shelby County property taxes are due the first Monday of October each year; the deadline to pay is the last day in February of the following calendar year, and 1.5% interest is added on March 1 and on the first day of each month after. |
Pay or manage it
Sources
- City of Germantown FY 2027 budget (adopted; Ordinance 2026-3, tax rate and utility rates)
- City of Germantown property taxes
- Shelby County Trustee: Shelby County tax rates by year
- Shelby County ACFR statistical table (property tax rates, education allocation)
- Shelby County Assessor: why reappraisal
- Tennessee Comptroller: how to figure your tax bill
- Shelby County Trustee: tax relief
- Shelby County Trustee: tax freeze
- Tennessee Comptroller tax freeze income limits, tax year 2026
Checked October 21, 2026. Every number here comes from the public sources listed, matched by our checker.
Rates change every year; this page shows when it was last checked. Nothing here is legal, tax or insurance advice.