Hendersonville, TN · Updated Oct 2026

What a Hendersonville 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 Hendersonville house

$6,934a year · $578 a month

Starts at the typical market value, $454,002; your assessed value is often lower. Typical use.

Property tax$2,281
0.502% of $454,002
Electricity$1,970
1154 kWh a month $1,970
Water and sewer$1,192
7,000 gallons a month on Hendersonville Utility District: water $35, sewer $65 a month
TrashIncluded
The city says standard-collection trash fees are included in the annual property tax bill; no dollar amount is published, so it is not counted separately here
Home insurance$1,492
Typical premium $1,492

A Hendersonville house at the typical market value ($454,002) pays about $6,900 a year: $2,280 property tax and charges, $1,190 water and sewer, $1,970 electricity, $1,490 home insurance; trash is paid through property tax. 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 year
Above 3 units a month, Hendersonville Utility District 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+: 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.
Free backdoor trash service with a medical waiver
Residents who require backdoor collection due to physical limitations can complete a medical exemption waiver and then receive backdoor service at no charge.
How: The form is completed by both the resident and a physician and dropped off at City Hall, emailed to Public Works or faxed to (615) 264-5327.

Money dates

From Mar 1Interest is added to any delinquent taxes at a monthly rate of 1.5% beginning March 1st.
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.
Oct - FebProperty taxes are payable beginning the first Monday in October and are due by the last day of February each year.

Who serves this house

Water: Hendersonville Utility District; Effective July 1, 2026: $11.50 minimum bill for 0 to 2,000 gallons, then $4.90 per 1,000 gallons over 2,000 gallons
Property tax: 0.50% of value; City rate: most recent published (page shows no year; state profile says 2025); Sumner County FY2027
Garbage: Waste Pro (city contract); Standard weekly curbside collection fees are included in the annual property tax bill, per the city
Sewer: Hendersonville Utility District; Sewer minimum bill $14.00 for 0 to 2,000 gallons of metered water; a Metro Water Services treatment charge is billed to all sewer customers

Pay or manage your bills

Your water

Source: The water delivered to your home is surface water from Old Hickory Lake, which is fed by the Cumberland River.
Lead: During the most recent round of lead and copper testing, not a single household sampled contained lead or copper concentrations exceeding the action level.

How these numbers are made

Hendersonville Utility District bills water and sewer. Water from July 1, 2026: $11.50 minimum bill covers the first 2,000 gallons, then $4.90 per 1,000 gallons. Sewer: $14.00 minimum for the first 2,000 gallons of metered water, then $6.15 per 1,000 gallons, plus the Metro Water Services treatment charge of $3.20 on every 1,000 gallons; we fold the Metro charge on the first 2,000 gallons into the fixed part ($14.00 + 3.20 x 2 = $20.40) and 6.15 + 3.20 = $9.35 per 1,000 gallons above 2,000. Tennessee sales tax on water sales is not included.
Property tax: Tennessee assesses a house at 25% of its appraised value and sets rates per $100 of that assessed value. City of Hendersonville $0.5883 and Sumner County $1.4210 (of which $0.7144 is the General Purpose School fund). Tennessee has no general homestead exemption; relief and freeze programs are listed as tips. The starting value is a market median sale value, not an assessed value; enter your appraised value from the Sumner County Assessor.
Trash: the city says standard weekly collection fees by Waste Pro are included in the annual property tax bill. Neither city page says whether that is funded inside the property tax rate or listed as a flat per-house charge, and no amount is published, so we count $0 and the true cost may be higher if it is a flat charge; confirm with the city (615-822-1000) or a sample tax bill. The backdoor figure of about $24 a month is the city FAQ's estimate.
Electricity: Cumberland Electric Membership Corporation's Schedule RS, a $39.00 base charge plus the average of its summer (11.308¢), winter (10.982¢) and transition-month (10.239¢) energy-plus-fuel rates, four months each: 10.843¢ per kWh. Nashville Electric Service also serves some Hendersonville addresses; check your bill. Typical use is Tennessee's EIA residential average.
Not included: natural gas (Piedmont serves much of the city; no readable current tariff was found), the city's stormwater fee (no amount found) and any parcel-specific charges.
Nothing here is legal, tax or insurance advice.

Sources

How Hendersonville compares

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

Per year	Hendersonville	Median	Where it falls
Property tax rate	0.50%	0.62%	lower than 13 of the other 19 Tennessee cities we cover
Water	$416	$492	lower than 14 of the other 19 Tennessee cities we cover
Sewer and utility-bill fees	$776	$776	in the middle of 19 other Tennessee cities we cover
Electricity and gas	$1,970	$2,466	lower than 18 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	$6,934	$7,240	lower than 14 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. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $1,970 a year, lower than 18 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 $1,970 a year for a typical house, lower than 18 of the other 19 Tennessee cities we cover. Which parts of that can the city influence, and what would you do about them?"

See who is running in your city →

Common questions about Hendersonville house costs

What is the property tax rate in Hendersonville?

About 0.50% of the value before exemptions a year (City rate: most recent published (page shows no year; state profile says 2025); Sumner County FY2027), plus flat charges on the same bill.

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

About $2,512 a year on $500,000 of the value before exemptions.

How much is the water bill in Hendersonville?

About $99 a month for water and sewer at typical use (7,000 gallons a month) on Hendersonville Utility District.

How much does trash pickup cost in Hendersonville?

The city says standard-collection trash fees are included in the annual property tax bill; no dollar amount is published, so it is not counted separately here

When is property tax due in Hendersonville?

Oct - Feb: Property taxes are payable beginning the first Monday in October and are due by the last day of February each year.

Can seniors lower their property tax or bills in Hendersonville?

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 Hendersonville cost to run each year?

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