Lenoir City, TN · Updated Oct 2026

What a Lenoir City 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 Lenoir City house

$6,380a year · $532 a month

Starts at the typical market value, $252,400; your assessed value is often lower. Typical use.

A Lenoir City house at the typical market value ($252,400) costs about $6,400 a year: $940 property tax and charges, $970 water and sewer, $190 trash, $2,780 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

One change saves this house about $482 a year:

Bring water use down to 1 units
$482 a year
Above 1 units a month, Lenoir City Utilities Board charges $8.21 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+ or disabled, low income: state property tax reliefIncome up to $38,470
Tennessee's tax relief program reimburses part or all of the property taxes paid by low-income homeowners 65 or older (by December 31, 2026) or disabled. The income limit is $38,470 (2025 income of the applicant, spouse, co-owners and resident remainder). It is a reimbursement, not an exemption.
How: Apply after you receive your 2026 property tax bill, with the Loudon County Trustee ((865) 458-3103); inside city limits you may also contact the city's collecting official. The deadline is 35 days after the delinquency date, and taxes must be paid by then.
Disabled veterans or surviving spouses: state property tax relief
Tennessee also gives property tax relief to disabled veteran homeowners and their surviving spouses, calculated on up to $175,000 of market value; other requirements apply.
How: Contact your county trustee, the Loudon County Trustee ((865) 458-3103), to apply; veterans complete consent form F-16 (F-16S for a surviving spouse).
Water leak protection is on your LCUB bill unless you decline it
All LCUB water customers are automatically enrolled in ServLine's leak loss protection, $2.95 a month for a home, which covers up to $2,500 per occurrence of a high water bill caused by a leak once the leak is repaired.
How: Call ServLine at (865) 271-1187 to decline; you then pay all excess water charges caused by a leak.
Spread utility bills evenly with LCUB's Equal Pay Plan
LCUB bills the average of your last 12 months plus ten percent each month, and settles up each August or September. You must have lived at the address for at least 12 months.
How: Complete LCUB's Equal Pay Plan Customer Agreement and return it to LCUB.
Help paying the LCUB bill
LCUB's Neighbor Aide program, administered with The Good Samaritan Center of Loudon County, helps families in need pay their utility bills; the Center decides who is eligible.
How: Contact The Good Samaritan Center of Loudon County.

Money dates

Feb 28, 2027Loudon County 2026 property taxes (mailed in September) become delinquent if not paid by the last day of February 2027.
Mar 1City of Lenoir City property taxes, levied on or about October 1, become delinquent on March 1.

Who serves this house

Water: Lenoir City Utilities Board; Lenoir City Utilities Board, Class 22 Inside Residential, read in 1,000 gallons: a $15.31 minimum for 0 to 1 (thousand gallons), then $6.14 per 1,000 gallons from 2 on. LCUB's page is stamped "Updated 09/01/25" and shows a first reading date of 7/1/2026 but states no effective date.
Property tax: 0.37% of value; 2026 tax year: City of Lenoir City (FY 2026-27) and Loudon County (FY 2026-27)
Garbage: City of Lenoir City; The City's monthly fee for residential garbage collection is $16.00, effective July 1, 2025 (2025 ordinance)
Sewer: Lenoir City Utilities Board (LCUB); Class 22 Inside Residential: $22.76 minimum (0 to 2 thousand gallons), then $9.13 per 1,000 gallons from 3 to 20 thousand gallons and $0.00 above
Electricity: Lenoir City Utilities Board (LCUB); Serves Lenoir City; buys all its power from the Tennessee Valley Authority (TVA)
Gas: Lenoir City Utilities Board (LCUB); Natural gas for Lenoir City and the immediate surrounding area, about 6,510 customers
Schools: Lenoir City Schools (city); The City Council adopts the Lenoir City Schools budget; it adopted the FY 2026-27 budget on June 22, 2026

Pay or manage your bills

Your water

Source: Water from the Watts Bar Embayment on the Tennessee River and the Allen Fine Spring. The Water Plant #1 source is rated reasonably susceptible and the Plant #2 source moderately susceptible to potential contamination.
Lead: In the most recent lead and copper testing (2025), 0 of 30 households sampled were above the action level (15 ppb); results ranged up to 8.8 ppb.
System: EPA records list the system as serving 34,786 people through 13,804 service connections.

How these numbers are made

Water and sewer: Lenoir City Utilities Board (LCUB) inside-city residential rates (Class 22) from LCUB's posted schedules, which are stamped \"Updated 09/01/25\" and show a first reading date of 7/1/2026 (no effective date is stated, so these may predate July 2026); meters are read in 1,000 gallons. Water: $15.31 minimum for 0 to 1 (thousand gallons), then $6.14 per 1,000 gallons; the calculator treats the minimum as covering the first 1,000 gallons. Sewer: $22.76 minimum (0 to 2 at $11.38), $9.13 per 1,000 gallons from 3 to 20, nothing above 20, so the calculator caps billed sewer at 20,000 gallons. (The City's FY 2025 audit lists older rates, $14.72 and $22.31 minimums.) Typical use: LCUB bases residential water capacity fees on an average 145 gallons a day per household, about 4,400 gallons (5.9 CCF) a month. LCUB's water page also lists a \"222FLT Inside Residential\" line at $29.10 without saying what it is; it is not counted.
Other LCUB bill lines: the City of Lenoir City's stormwater utility fee appears on LCUB bills for parcels in the city; LCUB's schedule lists the residential fee per account without an amount, and no current amount was found, so it is not in the total (a news report put the residential charge at $3 when the fee began in August 2017). LCUB's ServLine water leak protection ($2.95 a month for a home) is added automatically to water customers' bills unless they decline it; it is optional, so it is not in the total (add $35.40 a year if you keep it).
Garbage: $16.00 a month, the City's residential garbage collection fee since July 1, 2025 (Ordinance 2025-06-09-2436-O). In April 2026 the City awarded the residential collection contract to Five Star Waste at $10.00 per household per month (the City's cost, not a resident fee; no change to the residents' fee was found in 2026 minutes). The $16.00 is the 2025 ordinance fee and may have changed with the new contract; at $10.00 the total would fall by $72 a year.
Property tax: Tennessee assesses a home at 25% of its appraised value. 2026 rates per $100 of assessed value: City of Lenoir City $0.6291 (budget and tax rate ordinance adopted June 22, 2026; the City's levy also funds Lenoir City Schools) and Loudon County $0.8602 inside Lenoir City (tax levy resolution passed June 29, 2026; the county's rate outside Lenoir City is $1.0944, because inside-city property does not pay the county's education debt service levy), $1.4893 in all, which is 0.372% of appraised value. Loudon County reappraised for 2026, so these rates are much lower than 2025's (city $0.9455, county $1.3883). Tennessee has no general homestead exemption, and Loudon County and Lenoir City are not on the Comptroller's list of local governments with a senior tax freeze; state relief programs are listed as tips. The starting value is the Census median value of owner-occupied homes in Lenoir City ($252,400, ACS 2020-2024), a market value; enter your 2026 appraised value instead.
Electricity: LCUB residential rate RS (TVA power): $28.75 customer charge (from October 2026) plus the simple average of the eight monthly energy charges LCUB has posted for April to November 2026 (11.454¢ per kWh; the charge changes monthly and the December 2025 to March 2026 charges were not available, so winter months may differ). Typical use: Tennessee residential average from EIA (1,154 kWh a month). Home insurance is the 2022 NAIC Tennessee average (HO-3) until you enter your own.
Natural gas: LCUB residential Class 22, $8.00 customer charge plus the $0.66 base rate and the $0.7689 Purchased Gas Adjustment shown at the top of LCUB's gas rate page (the table below it lists 0.741), per 100 cubic feet (ccf, the unit in LCUB's rate schedule in the City's FY 2025 audit), $1.4289 per ccf = $1.378 per therm at 1.037 therms per ccf. The PGA changes with gas costs. Typical use: Tennessee residential average from EIA (about 46 therms a month). Most owner-occupied homes in Lenoir City heat with electricity (1,716 of 2,889; 977 use utility gas; Census ACS 2020-2024, table B25117), so set gas to zero if your home has no gas service."] Modelling: LCUB gas page states no units; rate assumed per ccf per the City FY2025 audit, converted at 1.037 therms/ccf to $1.378/therm. LCUB sewer page stamped Updated 09/01/25, first reading date 7/1/2026, no effective date stated. Garbage contract execution not established; only the bid award. Gas: LCUB's page states no units for the gas rate, so it is taken as per ccf (from the City's FY 2025 audit) and converted to $1.378 per therm using EIA's factor of 1.037 therms per ccf (rate divided by 1.037). The page shows a PGA of $0.7689 at the top and 0.741 in its table.
Nothing here is legal, tax or insurance advice.

Sources

How Lenoir City compares

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

Per year	Lenoir City	Median	Where it falls
Property tax rate	0.37%	0.65%	lower than 26 of the other 26 Tennessee cities we cover
Water	$435	$528	lower than 19 of the other 26 Tennessee cities we cover
Sewer and utility-bill fees	$537	$778	lower than 23 of the other 26 Tennessee cities we cover
Trash	$192	$211	lower than 14 of the other 19 Tennessee cities we cover
Electricity and gas	$2,784	$2,439	higher than 21 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	$6,380	$7,278	lower than 25 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: Lenoir City's property tax rate is 0.37%, lower than 26 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 Lenoir City is 0.37%, lower than 26 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?"

2. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $537 a year, lower than 23 of the other 26 Tennessee cities we cover. Some cities bill sewer on the property tax bill instead, which is not counted here.

Ask: "Sewer and flat utility-bill charges here cost about $537 a year, lower than 23 of the other 26 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 $2,784 a year, higher than 21 of the other 26 Tennessee cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $2,784 a year for a typical house, higher than 21 of the other 26 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 Lenoir City house costs

What is the property tax rate in Lenoir City?

About 0.37% of the value before exemptions a year (2026 tax year: City of Lenoir City (FY 2026-27) and Loudon County (FY 2026-27)), plus flat charges on the same bill.

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

About $1,862 a year on $500,000 of the value before exemptions.

How much is the water bill in Lenoir City?

About $81 a month for water and sewer at typical use (4,000 gallons a month) on Lenoir City Utilities Board.

How much does trash pickup cost in Lenoir City?

$16 a month for a house.

When is property tax due in Lenoir City?

Feb 28, 2027: Loudon County 2026 property taxes (mailed in September) become delinquent if not paid by the last day of February 2027. Mar 1: City of Lenoir City property taxes, levied on or about October 1, become delinquent on March 1.

Can seniors lower their property tax or bills in Lenoir City?

Yes. Seniors 65+ or disabled, low income: state property tax relief: Tennessee's tax relief program reimburses part or all of the property taxes paid by low-income homeowners 65 or older (by December 31, 2026) or disabled. The income limit is $38,470 (2025 income of the applicant, spouse, co-owners and resident remainder). It is a reimbursement, not an exemption.

Where can I get help paying utility bills in Lenoir City?

Seniors 65+ or disabled, low income: state property tax relief: Tennessee's tax relief program reimburses part or all of the property taxes paid by low-income homeowners 65 or older (by December 31, 2026) or disabled. The income limit is $38,470 (2025 income of the applicant, spouse, co-owners and resident remainder). It is a reimbursement, not an exemption. Apply after you receive your 2026 property tax bill, with the Loudon County Trustee ((865) 458-3103); inside city limits you may also contact the city's collecting official. The deadline is 35 days after the delinquency date, and taxes must be paid by then.

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

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