La Vergne, TN · Updated Oct 2026

What a La Vergne 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 La Vergne house

$6,677a year · $556 a month

Starts at $343,885 of value before exemptions. Typical use.

Property tax$1,654
0.481% of $343,885
Electricity and gas$2,277
1154 kWh a month $1,810 · 45.8 therms $467
Water and sewer$1,253
7,000 gallons a month on La Vergne Water System (City of La Vergne): water $51, sewer $53 a month
TrashNot included
Not counted here: ask your hauler or La Vergne Public Works (615-793-9891)
Home insurance$1,492
Typical premium $1,492

A typical La Vergne house pays about $6,700 a year: $1,650 property tax and charges, $1,250 water and sewer, $2,280 electricity and gas, $1,490 home insurance; trash is billed separately. 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 $575 a year:

Bring water use down to 3 units
$575 a year
Above 3 units a month, La Vergne Water System (City of La Vergne) charges $7.98 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+: property tax freezeIncome limit $63,470 (2025 income)
Homeowners 65 or older by December 31, 2026 can freeze the tax on their primary residence at the amount for the year they qualify. The Rutherford County Trustee lists an income limit of $63,470 for 2025 for the applicant, spouse and all others on the deed; the state's tax year 2026 list shows a $63,470 local option limit for LaVergne. You must reapply each year.
How: Call the Rutherford County Trustee's Office at (615) 898-7705 for an appointment.
Seniors 65+ and disabled homeowners: state tax reliefIncome limit $38,470; on the first $33,600 of value
Tennessee pays back part or all of the property tax for low-income elderly and disabled homeowners. Combined 2025 income of the owners and spouse cannot exceed $38,470, and relief is calculated on the first $33,600 of market value.
How: Call the Rutherford County Trustee's Office; for city taxes you may also contact your city collecting official.
Disabled veterans: state tax reliefOn up to $175,000 of market value
Disabled veteran homeowners whose disability meets the state's categories, and some surviving spouses, can get property tax relief calculated on up to $175,000 of market value.
How: Call the Rutherford County Trustee's Office; for city taxes you may also contact your city collecting official.
Repaired a water leak? Bring your receipts for an adjustment
After a leak is repaired, bring all receipts to the Water Billing Department. Allow at least four weeks for an adjustment; adjustments can be applied as a credit to a future bill.
How: Bring the receipts to the Water Billing Department office at 1500 E. Nir Shreibman Blvd.
Free MTE Home Energy Checkup
A Home Energy Checkup is a free benefit for MTE members: a 90-minute visit by an MTE EnergyPro, followed by a personalized list of recommendations.
How: Request a checkup at mte.com or call your local MTE office.
Eligible households: MTE Home Uplift upgrades at no cost
Eligible households can receive significant home energy upgrades at no cost, including HVAC repair or replacement, ductwork, insulation and air sealing. MTE offers this program in partnership with TVA.
How: See Home Uplift under Rebates and Incentives at mte.com.

Money dates

By Feb 28The City of La Vergne says total taxes must be paid by the last day of February the following year to avoid interest; interest accrues at 1.5% each month.
Before Apr 5, 2027Apply for the 2026 senior property tax freeze with the Rutherford County Trustee before April 5, 2027.
35 days after delinquencyThe City of La Vergne says the deadline to apply for tax relief is 35 days after the city's delinquency date, and taxes must be paid before relief is received.

Who serves this house

Water: La Vergne Water System (City of La Vergne); City of La Vergne residential water, 2026-27: $23.16 minimum for the first 2,000 gallons a month, then $5.97 per thousand gallons over 2,000 gallons
Property tax: 0.48% of value; 2026 tax year (FY 2026-27), City of La Vergne and Rutherford County
Sewer: City of La Vergne; $23.81 for the first 2,000 gallons a month, then $6.17 per 1,000 gallons, based on water meter readings
Electricity: Middle Tennessee Electric (MTE); Residential basic service $21.81 a month plus a base rate and TVA fuel cost adjustment per kWh
Gas: Smyrna Natural Gas (Town of Smyrna); Residential base minimum rate $7.50 plus a usage rate of cost + $2.50 per MCF (2026-27)

Pay or manage your bills

Your water

Source: The La Vergne Water System pumps its untreated surface water from Percy Priest Lake.
Plant: The water treatment plant produces an average of four million gallons of drinking water per day.
Byproducts: Total Trihalomethanes: highest annual average 46.33 parts per billion, well below federal limits (2025 report).

How these numbers are made

The City of La Vergne bills water and sewer (2026-27 fee schedule, residential): water $23.16 for the first 2,000 gallons a month then $5.97 per 1,000 gallons; sewer $23.81 for the first 2,000 gallons then $6.17 per 1,000 gallons. Typical water use is an assumption (about 6.7 thousand gallons a month, 9 ccf), not a stated local typical. The fee schedule also lists a stormwater fee of $4.50 per ERU (3,181 sq ft), billing period not stated, so it is not counted in the total.
Garbage: we did not find who collects or bills trash in La Vergne, or a trash fee in the city's fee schedule, so no trash charge is counted and the total leaves trash out. Add your own hauler's price.
Property tax: Tennessee assesses a house at 25% of appraised value. Rutherford County reappraised for 2026 and certified revenue-neutral rates: City of La Vergne $0.4359 (down from $0.5363) and Rutherford County $1.4885 per $100 of assessed value; 0.4359% and 1.4885% of assessed value are 0.1090% and 0.3721% of appraised value. Tennessee has no general homestead exemption; freeze and relief programs are listed as tips. La Vergne has no separate school district rate.
The starting home value is the city's average appraised single-family value ($343,885, an average not a median). Enter your own appraisal.
Electricity: MTE residential rate RS, $21.81 basic charge, and a year-round average per-kWh price (base rate plus TVA fuel cost adjustment) from four posted schedules weighting summer (Aug 2025, Jul 2026 averaged), winter (March 2026) and transition (October 2026) equally: 11.181¢ per kWh. Some MTE schedules are Internet Archive copies. Some addresses may be served by other electric utilities.
Natural gas: Smyrna Natural Gas serves La Vergne (per its own page) and bills a $7.50 base minimum plus cost of gas and $2.50 per MCF; the Town does not publish its cost of gas, so the gas price is an estimate: we use EIA's 2025 Tennessee citygate (wholesale) price, not Smyrna's retail cost of gas, ($4.62 per MCF): about $0.687 per therm. We apply Smyrna's published schedule to La Vergne addresses. Typical use: EIA Tennessee residential averages (1,154 kWh and about 46 therms a month). Insurance: the Tennessee statewide 2022 average HO-3 premium (NAIC via Triple-I), not specific to La Vergne and dated.
Nothing here is legal, tax or insurance advice.

Sources

How La Vergne compares

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

Per year	La Vergne	Median	Where it falls
Property tax rate	0.48%	0.62%	lower than 16 of the other 19 Tennessee cities we cover
Water	$617	$492	higher than 16 of the other 19 Tennessee cities we cover
Sewer and utility-bill fees	$636	$776	lower than 13 of the other 19 Tennessee cities we cover
Electricity and gas	$2,277	$2,466	lower than 16 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	$6,677	$7,240	lower than 15 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: La Vergne's property tax rate is 0.48%, lower than 16 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 La Vergne is 0.48%, lower than 16 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. Water

The fact: Water here costs about $617 a year at typical use, higher than 16 of the other 19 Tennessee cities we cover.

Ask: "Water here costs about $617 a year at typical use, higher than 16 of the other 19 Tennessee cities we cover. What drives that cost, and would you change anything?"

3. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,277 a year, lower than 16 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 $2,277 a year for a typical house, lower than 16 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 La Vergne house costs

What is the property tax rate in La Vergne?

About 0.48% of the value before exemptions a year (2026 tax year (FY 2026-27), City of La Vergne and Rutherford County), plus flat charges on the same bill.

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

About $2,406 a year on $500,000 of the value before exemptions.

How much is the water bill in La Vergne?

About $104 a month for water and sewer at typical use (7,000 gallons a month) on La Vergne Water System (City of La Vergne).

How much does trash pickup cost in La Vergne?

Not counted here: ask your hauler or La Vergne Public Works (615-793-9891)

Can seniors lower their property tax or bills in La Vergne?

Yes. Seniors 65+: property tax freeze: Homeowners 65 or older by December 31, 2026 can freeze the tax on their primary residence at the amount for the year they qualify. The Rutherford County Trustee lists an income limit of $63,470 for 2025 for the applicant, spouse and all others on the deed; the state's tax year 2026 list shows a $63,470 local option limit for LaVergne. You must reapply each year.

Where can I get help paying utility bills in La Vergne?

Seniors 65+ and disabled homeowners: state tax relief: Tennessee pays back part or all of the property tax for low-income elderly and disabled homeowners. Combined 2025 income of the owners and spouse cannot exceed $38,470, and relief is calculated on the first $33,600 of market value. Call the Rutherford County Trustee's Office; for city taxes you may also contact your city collecting official.

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

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