Lawrenceburg, TN · Updated Oct 2026

What a Lawrenceburg home costs each year

Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.

Suggestions as you type come from Google; the lookup uses free public map services to find who serves it. Not stored unless you save your house.

Example · a Lawrenceburg house

$6,730a year · $561 a month

Starts at the typical market value, $184,600; your assessed value is often lower. Typical use.

Property tax$1,070
0.580% of $184,600
Electricity and gas$2,545
1154 kWh a month $1,749 · 45.8 therms $796
Water and sewer$1,450
7,000 gallons a month on Lawrenceburg Utility Systems: water $51, sewer $70 a month
Trash$173
Residential unit (single family), $14 a month
Home insurance$1,492
Typical premium $1,492

A Lawrenceburg house at the typical market value ($184,600) costs about $6,700 a year: $1,070 property tax and charges, $1,450 water and sewer, $170 trash, $2,540 electricity and gas, $1,490 home insurance. 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

Nothing here applies to every house automatically. These are worth checking:

Seniors 65+, disabled and disabled-veteran owners: City of Lawrenceburg property tax reliefState relief program
The City of Lawrenceburg participates in the State Property Tax Relief Program, which gives qualifying homeowners relief on a portion of their property taxes.
How: Applies to a principal residence; elderly owners must be at least 65 by December 31 of the tax year and within the state income limit.

Money dates

Oct 1 – Feb 28City property taxes are due without penalty from October 1 through February 28; after that 1.5% a month is added.

Who serves this house

Water: Lawrenceburg Utility Systems; Residential inside city rates effective April 1, 2024: a minimum charge plus a rate for all usage (in hundreds)
Property tax: 0.58% of value; 2026 tax year (FY 2026-27), City of Lawrenceburg and Lawrence County
Garbage: City of Lawrenceburg Sanitation Department; The city collects garbage every week
Sewer: Lawrenceburg Utility Systems (LUS); Sewage service and wastewater treatment in the city
Electricity: Lawrenceburg Utility Systems (LUS); LUS buys all of the electricity supplied to its customers from TVA
Gas: Lawrenceburg Utility Systems (LUS); Natural gas to the City of Lawrenceburg and certain surrounding areas

Pay or manage your bills

Your water

Source: Your water, which is surface and ground water, comes from Shoal Creek and Hope Spring.
Lead: A Lead Service Line Inventory has been completed for our system and is available.

How these numbers are made

Lawrenceburg Utility Systems (LUS) provides electric (power bought from TVA), natural gas, water and wastewater. Water inside city: $15.04 minimum charge plus $0.5340 per hundred gallons ($5.34 per 1,000 gallons). Wastewater inside city: $20.53 minimum charge plus $0.73216 per hundred gallons ($7.3216 per 1,000). These are the April 1, 2024 rates, the latest LUS publishes; the page does not say whether the minimum includes any gallons.
Property tax: Tennessee assesses a house at 25% of appraised value at rates per $100 of assessed value. City rate $0.8364 and Lawrence County's 2026 certified rate $1.4825 per $100: 0.8364/100 x 25% = 0.209% and 1.4825/100 x 25% = 0.371%, 0.580% in all. County and city taxes are billed separately. Tennessee has no general homestead exemption. Lawrence County also charges an annual solid waste fee to county residents, which we could not quantify and is not included.
Electricity: LUS November 2025 residential schedule (latest posted): $24.81 customer charge and 10.483 cents per kWh including that month's TVA fuel adjustment; the fuel part changes monthly. Typical use is Tennessee's 2024 residential average from EIA (1,154 kWh a month).
Natural gas: LUS August 2025 inside-city residential rate: $3.00 minimum and $1.433 per ccf, i.e. $1.433 / 1.037 = about $1.382 per therm; no gas tax or franchise fee is modelled. The gas cost changes with the purchased gas cost. Typical use about 46 therms a month from EIA's Tennessee residential totals.
Garbage: the $14.43 monthly residential fee is from the city code (MTAS copy). Council minutes show Ordinance 1447 amending the Title 17 refuse service fees (readings Dec 11, 2025 and Jan 8, 2026, passed unanimously) but we could not find its fee schedule, so the true fee may differ and the annual garbage line may be understated. The starting home value is the Census median (market value), not an assessed value.
Nothing here is legal, tax or insurance advice.

Sources

How Lawrenceburg compares

A typical Lawrenceburg house against the 27 Tennessee cities we cover, using the same default numbers as the total above.

Per year	Lawrenceburg	Median	Where it falls
Property tax rate	0.58%	0.65%	lower than 15 of the other 26 Tennessee cities we cover
Water	$612	$528	higher than 18 of the other 26 Tennessee cities we cover
Sewer and utility-bill fees	$838	$778	higher than 15 of the other 26 Tennessee cities we cover
Trash	$173	$211	lower than 16 of the other 19 Tennessee cities we cover
Electricity and gas	$2,545	$2,439	higher than 17 of the other 26 Tennessee cities we cover
Home insurance	$1,492	$1,492	in the middle of 26 other Tennessee cities we cover
Total	$6,730	$7,278	lower than 20 of the other 26 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. Trash

The fact: Trash pickup here costs about $173 a year for the standard cart, lower than 16 of the other 19 Tennessee cities we cover. Where trash is billed through the tax bill or a separate hauler, it is not counted here.

Ask: "Trash pickup here costs about $173 a year for the standard cart, lower than 16 of the other 19 Tennessee cities we cover. What drives that cost, and would you change anything about the service or the price?"

See who is running in your city →

Common questions about Lawrenceburg house costs

What is the property tax rate in Lawrenceburg?

About 0.58% of the value before exemptions a year (2026 tax year (FY 2026-27), City of Lawrenceburg and Lawrence County), plus flat charges on the same bill.

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

About $2,899 a year on $500,000 of the value before exemptions.

How much is the water bill in Lawrenceburg?

About $121 a month for water and sewer at typical use (7,000 gallons a month) on Lawrenceburg Utility Systems.

How much does trash pickup cost in Lawrenceburg?

$14 a month for a house.

When is property tax due in Lawrenceburg?

Oct 1 – Feb 28: City property taxes are due without penalty from October 1 through February 28; after that 1.5% a month is added.

Can seniors lower their property tax or bills in Lawrenceburg?

Yes. Seniors 65+, disabled and disabled-veteran owners: City of Lawrenceburg property tax relief: The City of Lawrenceburg participates in the State Property Tax Relief Program, which gives qualifying homeowners relief on a portion of their property taxes.

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

All Tennessee cities All cities