Morristown, TN · Updated Oct 2026

What a Morristown 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 Morristown house

$5,921a year · $493 a month

Starts at the typical market value, $181,100; your assessed value is often lower. Typical use.

A Morristown house at the typical market value ($181,100) costs about $5,900 a year: $1,020 property tax and charges, $1,410 water and sewer, $250 trash, $1,740 electricity, $1,490 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 28, 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:

Disabled veterans or surviving spouses: state property tax relief
Disabled veterans whose disability meets one of the criteria the Comptroller lists (for example, a service-connected permanent and total disability as determined by the VA), and surviving spouses in the listed cases, can get state tax relief calculated on up to $175,000 of market value; other requirements apply.
How: Apply with the county trustee or the city collecting official, with consent form F-16 (F-16S for a surviving spouse).

Money dates

Feb 28in 116 daysFebruary 28 is the last day to pay the preceding year's property taxes without interest; March 1 is the delinquency date.
From June 1To appeal your appraisal, start with an informal discussion with the Assessor, then the County Board of Equalization, which meets beginning June 1.
First Monday in OctoberTennessee property taxes for the current year become due and payable on the first Monday in October.

Who serves this house

Water: Morristown Utilities; Inside city, 5/8 in. meter: minimum bill includes the first 2,000 gallons; tiers per 1,000 gallons are the listed usage rates plus the $0.23 per thousand gallons Facility Investment Charge
Property tax: 0.56% of value; 2026 tax year (FY 2027), City of Morristown and Hamblen County
Garbage: City of Morristown; Garbage service user fee: $21.00 per month per MHC located at the premises
Sewer: Morristown Utilities; Inside city, 5/8 in. meter: $32.50 monthly minimum bill, then $12.50/1000 gal from 2,001 to 1,000,000 gallons
Electricity: Morristown Utilities; Residential: $29.33 customer charge plus 10.054 cents per kWh (effective Oct 1, 2026)

Pay or manage your bills

Your water

Source: Morristown’s water supply comes from two sources: a surface source at Cherokee Lake/Holston River and a ground water source called Havely’s Spring.

How these numbers are made

City of Morristown trash is the $21.00 per month fee in the municipal code amendment (effective September 1, 2025); the page we found is the agenda packet with the ordinance text.
Water and sewer use the Morristown Utilities rates for a 5/8 in. meter inside the city; water tiers add the $0.23 per 1,000 gallon Facility Investment Charge to each usage rate.
Electric is Morristown Utilities' residential customer charge and the Oct 2026 combined base-plus-fuel rate; typical use is the EIA Tennessee residential average.
Property tax uses the city rate $0.9424 and county rate $1.31 per $100 of assessed value (25% of appraised value) on the Census median value; Hamblen County also has a 1.47 rate outside city limits.
Stormwater is the City's $2.50 per month single-family fee, billed on the water or electric bill or separately.
Natural gas is not included: Morristown has no city gas utility in the sources checked, and no official gas tariff tying a provider to Morristown addresses was found.
Nothing here is legal, tax or insurance advice.

Sources

How Morristown compares

A typical Morristown house against the 36 Tennessee cities we cover, using the same default numbers as the total above.

Per year	Morristown	Median	Where it falls
Property tax rate	0.56%	0.61%	lower than 21 of the other 35 Tennessee cities we cover
Water	$283	$517	lower than 32 of the other 35 Tennessee cities we cover
Sewer and utility-bill fees	$1,130	$776	higher than 29 of the other 35 Tennessee cities we cover
Trash	$252	$240	higher than 15 of the other 28 Tennessee cities we cover
Electricity and gas	$1,744	$2,424	lower than 30 of the other 35 Tennessee cities we cover
Home insurance	$1,492	$1,492	in the middle of 31 other Tennessee cities we cover
Total	$5,921	$7,044	lower than 29 of the other 35 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. Water

The fact: Water here costs about $283 a year at typical use, lower than 32 of the other 35 Tennessee cities we cover.

Ask: "Water here costs about $283 a year at typical use, lower than 32 of the other 35 Tennessee cities we cover. What drives that cost, and would you change anything?"

2. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $1,130 a year, higher than 29 of the other 35 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 $1,130 a year, higher than 29 of the other 35 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 $1,744 a year, lower than 30 of the other 35 Tennessee cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $1,744 a year for a typical house, lower than 30 of the other 35 Tennessee cities we cover. Which parts of that can the city influence, and what would you do about them?"

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Common questions about Morristown house costs

What is the property tax rate in Morristown?

About 0.56% of the value before exemptions a year (2026 tax year (FY 2027), City of Morristown and Hamblen County), plus flat charges on the same bill.

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

About $2,816 a year on $500,000 of the value before exemptions.

How much is the water bill in Morristown?

About $118 a month for water and sewer at typical use (7,000 gallons a month) on Morristown Utilities.

How much does trash pickup cost in Morristown?

$21 a month for a house.

When is property tax due in Morristown?

First Monday in October: Tennessee property taxes for the current year become due and payable on the first Monday in October.

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

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