Lebanon, TN · Updated Oct 2026

What a Lebanon 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 Lebanon house

$6,975a year · $581 a month

Starts at the typical market value, $378,400; your assessed value is often lower. Typical use.

A Lebanon house at the typical market value ($378,400) costs about $7,000 a year: $1,660 property tax and charges, $1,230 water and sewer, $240 trash, $2,360 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

One change saves this house about $821 a year:

Bring water use down to 2 units
$821 a year
Above 2 units a month, Lebanon Water System (City of Lebanon) charges $9.78 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 (Wilson County), $51,790 (City of Lebanon), 2026
Homeowners 65 or older can have the property 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. Tax year 2026 income limits: $63,470 for Wilson County and $51,790 for the City of Lebanon.
How: Apply with the Wilson County Trustee (615-444-0894, option 2); for city taxes you may also contact the city's collecting official.
Disabled veterans: state tax reliefOn up to $175,000 of market value
Disabled veteran homeowners who meet the state's disability requirements, and some surviving spouses, can get property tax relief; the maximum market value on which it is calculated is $175,000. There is no age or income restriction for disabled veterans.
How: Contact the Wilson County Trustee (615-444-0894, option 2: Tax Freeze, Tax Relief, Disabled Veteran Tax Benefits); veterans complete a 2026 F-16 consent form (surviving spouses an F-16S).
Seniors 65+ and disabled customers: reduced $10 sanitation fee$10 a month instead of $20
The City's reduced sanitation fee of $10 is open to customers 65 or older and disabled customers at their primary residence, with total income of no more than $38,000 a year.
How: Complete the City of Lebanon Utility Sanitation Reduction Form and provide income documentation, such as last year's tax return or W-2.
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, including upgrades that may qualify for rebates or financing.
How: Request a checkup online at mte.com or call your local MTE office.
Eligible households: MTE Home Uplift upgrades at no cost
Through Home Uplift, eligible households can receive home energy upgrades at no cost, including HVAC repair or replacement, ductwork, insulation and air sealing. MTE offers it with TVA.
How: See Home Uplift under Rebates and Incentives at mte.com.

Money dates

Oct 1 – Feb 28City of Lebanon property taxes are due from October 1 through February 28. A penalty of 1.5% per month starts March 1.
Mid-Oct – end of FebWilson County tax notices are mailed in mid-October; county taxes can be paid without interest through the last day of February.
JuneThe Wilson County Board of Equalization begins hearing appeals of property values on the first business day of June. In 2026, appointments had to be scheduled by June 30.

Who serves this house

Water: Lebanon Water System (City of Lebanon); City of Lebanon residential water inside the city: $10.37 minimum bill for 0-1,500 gallons, then $0.007312 per gallon; the City's Customer Service and Billing Department bills water, sewer and gas
Property tax: 0.44% of value; 2026 tax year (FY 2026-27), City of Lebanon, Wilson County and Lebanon Special School District
Garbage: City of Lebanon Sanitation Department; Sanitation fee set by Ordinance 25-7203 (2025); one 95-gallon cart per residence, issued on request after a $75 cart fee
Sewer: City of Lebanon; Inside the city: $11.00 minimum bill for the first 1,500 gallons, then $0.0077 per gallon
Electricity: Middle Tennessee Electric (MTE); Residential basic service $21.81 a month plus a base rate and TVA fuel cost adjustment per kWh
Gas: City of Lebanon Gas Department; Residential inside the city: $9.05 for 0 - 1,000 cubic feet, $9.27 over 1,000 cubic feet, plus a $5 customer charge (October 2026)
Schools: Lebanon Special School District; LSSD certified tax rate of 17.92 cents for 2026-27; Wilson County's 2026-27 levy includes $0.5405 for General Purpose School

Pay or manage your bills

Your water

Source: Surface water from the Cumberland River.
Lead: 2023 tap samples: 90th percentile lead 1.00 ppb; 0 of 30 sites above the 15 ppb action level.
E. coli: One E. coli-positive sample in 2025; all repeat samples were negative and the system was not in violation of the E. coli MCL.

How these numbers are made

The City of Lebanon bills water, sewer, natural gas, the sanitation fee and the stormwater fee on one monthly utility bill. Water (inside city, residential): $10.37 minimum bill for the first 1,500 gallons, then $0.007312 per gallon ($7.312 per 1,000 gallons). Sewer: $11.00 minimum bill for the first 1,500 gallons, then $0.0077 per gallon ($7.70 per 1,000 gallons); residential sewer is capped at $120 for months billed June through September, which we do not model. The City's rate pages carry no effective date (the sewer table is labeled 18-19), so we use them as posted. Some addresses inside the city get water from a utility district instead of the City.
Garbage: the $20 monthly residential sanitation fee per cart set by Ordinance 25-7203 (passed June 3, 2025, effective after July 1, 2025); we show one cart. The first recycling cart has no monthly charge. Stormwater: $2.50 a month, the City's 2017 fee for a single-family home with more than 1,500 square feet of impervious area (homes with 400-1,500 square feet pay $1.50).
Property tax: Tennessee assesses a house at 25% of its appraised value and sets rates per $100 of that assessed value. Wilson County reappraised all property for 2026, and the rates fell to certified (revenue-neutral) levels. 2026 rates: City of Lebanon $0.4054 (Ordinance 26-7430, Section 8; the City's property tax page still shows the old $0.6855), Wilson County $1.1657 (of which $0.5405 is the General Purpose School fund) and Lebanon Special School District $0.1792. On appraised value that is 0.101% city, 0.156% county non-school, 0.135% county school and 0.045% LSSD, 0.438% in all. We assume a home inside both the city and the Lebanon Special School District; homes outside the district do not pay its 17.92 cents. The city and Wilson County send separate bills. Tennessee has no general homestead exemption; freeze and relief programs are listed as tips.
The starting home value is the Census median value of owner-occupied homes in Lebanon ($378,400, ACS 2020-2024), a market value from before the 2026 reappraisal, so the tax shown for it ($1,656 at 2026 rates) is likely low. The rate cuts imply the size of the revaluation: Wilson County $1.9089 / $1.1657 = 1.64 and City of Lebanon $0.6855 / $0.4054 = 1.69, in line with the roughly 64% average rise in home values mentioned at a May 2026 city airport committee meeting. At 1.64 x $378,400 = about $620,600 the 2026 tax would be about $2,716. Cross-check: the Census median real estate taxes paid in Lebanon (ACS 2020-2024) is $1,899. Enter your 2026 appraised value from your Wilson County assessment notice.
Electricity: Middle Tennessee Electric's residential rate (RS), $21.81 basic service charge, and a year-round average per-kWh price (base rate plus TVA fuel cost adjustment) from four posted schedules weighting summer, winter and transition months equally: summer = average of August 2025 (8.333¢ + 2.621¢) and July 2026 (8.333¢ + 2.789¢), winter = March 2026 (8.226¢ + 4.035¢), transition = October 2026 (8.108¢ + 2.136¢): 11.181¢ per kWh. Some MTE schedules are Internet Archive copies.
Natural gas: City of Lebanon Gas Department residential inside-city rate as of October 2026, read as dollars per 1,000 cubic feet: $9.05 for the first 1,000 cubic feet and $9.27 above, plus the $5 customer charge; converted at 1.037 therms per 100 cubic feet ($0.873 and $0.894 per therm). The price follows the cost of gas and can be higher in winter. Typical use: Tennessee residential averages from EIA (1,154 kWh and about 46 therms a month). Insurance: Tennessee's 2022 average HO-3 premium (NAIC via Triple-I).
Nothing here is legal, tax or insurance advice.

Sources

How Lebanon compares

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

Per year	Lebanon	Median	Where it falls
Property tax rate	0.44%	0.65%	lower than 25 of the other 26 Tennessee cities we cover
Water	$584	$528	higher than 15 of the other 26 Tennessee cities we cover
Sewer and utility-bill fees	$645	$778	lower than 18 of the other 26 Tennessee cities we cover
Trash	$240	$211	higher than 11 of the other 19 Tennessee cities we cover
Electricity and gas	$2,359	$2,439	lower than 18 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	$6,975	$7,278	lower than 17 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. Property tax rate

The fact: Lebanon's property tax rate is 0.44%, lower than 25 of the other 26 Tennessee cities we cover. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in Lebanon is 0.44%, lower than 25 of the other 26 Tennessee cities we cover. What should that money pay for first, and would you change anything about how it is set?"

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Common questions about Lebanon house costs

What is the property tax rate in Lebanon?

About 0.44% of the value before exemptions a year (2026 tax year (FY 2026-27), City of Lebanon, Wilson County and Lebanon Special School District), plus flat charges on the same bill.

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

About $2,188 a year on $500,000 of the value before exemptions.

How much is the water bill in Lebanon?

About $102 a month for water and sewer at typical use (7,000 gallons a month) on Lebanon Water System (City of Lebanon).

How much does trash pickup cost in Lebanon?

$20 a month for a house.

When is property tax due in Lebanon?

Oct 1 – Feb 28: City of Lebanon property taxes are due from October 1 through February 28. A penalty of 1.5% per month starts March 1.

Can seniors lower their property tax or bills in Lebanon?

Yes. Seniors 65+: property tax freeze: Homeowners 65 or older can have the property 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. Tax year 2026 income limits: $63,470 for Wilson County and $51,790 for the City of Lebanon.

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

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