Red Bank, TN · Updated Oct 2026

What a Red Bank 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 Red Bank house

$7,932a year · $661 a month

Starts at the typical market value, $269,400; your assessed value is often lower. Typical use.

A Red Bank house at the typical market value ($269,400) pays about $7,900 a year: $1,960 property tax and charges, $1,370 water and sewer, $290 trash, $2,820 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

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

Free walk-up garbage service
Red Bank picks up garbage at the house, free, for residents who are handicapped, have severe disabilities or medical conditions, or are of advanced age. Garbage must be bagged; the service is reviewed every year.
How: Apply through the City's walk-up garbage service page; an in-person or phone interview is required.
Cut your stormwater fee up to 50%Up to 50% off
Single-family lot owners get a 25% credit on the stormwater utility fee for a rain garden and 25% for rainwater harvesting, up to 50% of the fee.
How: Submit the credit application to the Red Bank Stormwater Manager.
Bulk trash and brush pickup
Red Bank picks up bulk items that don't fit in the blue can and brush, up to 3 pickups of each per calendar year.
How: Submit a work order through the City's Citizen Portal.
Free used oil and antifreeze pickup
Red Bank picks up used motor oil and antifreeze from homes up to 3 times a year (up to 4 gallons each time), at no charge. Used tires are also picked up 3 times a year, up to 8 tires each time.
How: Call the City at (423) 877-1103 to create a work order.
Recycling Center on Dayton Blvd
There is no curbside recycling. The Hamilton County Recycle Center at 4851 Dayton Blvd is open to all Red Bank residents, Tuesday-Friday 10am-6pm and Saturday 8am-4pm.
How: Recycle Center phone: (423) 876-2010.

Money dates

Feb 28, 2027Your 2026 Hamilton County Trustee bill, which also carries the Red Bank city tax, is due by the last day of February; on March 1 county taxes become delinquent and accrue 1 1/2% interest a month.
May 20Ask the Hamilton County Assessor for an informal review of your value before May 20; appeals to the County Board of Equalization are accepted through the first week of June.
Due date on your sewer billWWTA adds a 10% penalty to past-due sewer bills; payments must be posted by the due date on the bill.

Who serves this house

Water: Tennessee American Water; Tennessee American Water residential General Water Service Tariff (effective January 21, 2025), which serves Red Bank: a monthly service charge by meter size plus block rates per 100 gallons, with the PCOP rider (0.97% from June 1, 2026) applied to the total bill
Property tax: 0.70% of value; 2026 tax year, City of Red Bank and Hamilton County
Garbage: City of Red Bank Public Works; Weekly household garbage pickup; the Solid Waste User Fee is $24.55 a month ($294.60 a year), billed on the Hamilton County Trustee tax bill. No curbside recycling
Sewer: Hamilton County WWTA; Billed on metered water use plus a monthly fee; a separate sewer invoice from ENCO Utility Service
Electricity: EPB; Base Rate Plan: $9.81 customer charge plus 9.095¢ per kWh and TVA's monthly fuel cost adjustment
Gas: Chattanooga Gas; Customer charge $36.01 a month November-April and $29.71 May-October, plus per-therm charges
Schools: Hamilton County; Of the county's $1.5157 tax rate for 2026, $0.6540 is the school fund

Pay or manage your bills

Your water

Source: The Citico Water Treatment Plant in Chattanooga draws surface water from the Tennessee River.
Testing: In 2025, the water met state and federal drinking water requirements.
Lead: 2025 lead testing: 90th percentile below 1 ppb, and 0 of 51 homes sampled above the action level.
Hardness: Hardness averaged 76 ppm (4.4 grains per gallon) in 2025, which the report lists as moderately hard (61 - 120).

How these numbers are made

Water (Tennessee American Water, residential General Water Service Tariff effective January 21, 2025): $19.92 monthly service charge for a 5/8-inch meter, then per 100 gallons 5.017¢ for the first 3,000 gallons, 79.567¢ to 48,600 gallons and 49.989¢ above that, with the 0.97% PCOP rider (from June 1, 2026) added to the whole bill; the Incremental Capital Recovery Rider is 0.00%. Typical use is the 3,800 gallons a month that Tennessee American Water's 2024 rate petition gives for an average residential customer. Red Bank's utilities list also names Hixson Utility District; if your water comes from it, its rates apply instead.
Sewer (Hamilton County WWTA, rates approved for October 1, 2026): $20.45 per 1,000 gallons of metered water plus the $8 monthly Private Service Lateral Program fee charged to gravity-sewer customers. The sewer minimum bill ($28.69 for meters under 1 inch) only matters below about 1,000 gallons a month. Homes on septic pay no sewer charge.
Garbage: Red Bank's Solid Waste User Fee of $294.60 a year (Ordinance 26-1314, from September 1, 2026) is billed on the Hamilton County Trustee tax bill; we show it as $24.55 a month. The City stormwater fee is a $70.00 flat yearly charge for a single-family home on the same bill.
Property tax: Tennessee assesses a house at 25% of its appraised value and sets rates per $100 of that assessed value. 2026 rates: City of Red Bank $1.2900 (up from $0.98 on 2025 tax bills; the city's budget slides call the old rate $1.13, a figure no 2025 bill used) and Hamilton County $1.5157 (general fund $0.8563, school fund $0.6540, district road fund $0.0054), $2.8057 in all, which is 0.701% of appraised value. The Hamilton County Trustee collects the county and city taxes, the stormwater fee and the sanitation fee on one bill. Tennessee has no general homestead exemption; state relief programs are listed as tips.
The starting home value is the Census median value of owner-occupied homes in Red Bank ($269,400, ACS 2020-2024), a market value from before Hamilton County's 2025 reappraisal, so the tax shown for it may not match your bill. Enter your appraised value from the Hamilton County Assessor (the next reappraisal is in 2029). Home insurance is the Tennessee statewide average for 2022 (NAIC via Triple-I).
Electricity: EPB Base Rate Plan, $9.81 customer charge plus the 9.095¢ energy charge and the average of the 11 published monthly residential TVA fuel cost adjustments from December 2025 to October 2026 (2.816¢), 11.911¢ per kWh; typical use 1,217 kWh a month from EPB's 40 kWh a day household average. Gas: Chattanooga Gas R-1, the average of its winter and summer customer charges ($32.86), the 24.950¢ commodity charge, October 2026 surcharges (4.083¢) and the simple 12-month average of the purchased gas adjustment for November 2025 to October 2026 ($7.46 per dekatherm, 74.6¢ per therm), about $1.04 per therm; typical use 45.8 therms a month (EIA Tennessee residential average).
Nothing here is legal, tax or insurance advice.

Sources

How Red Bank compares

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

Per year	Red Bank	Median	Where it falls
Property tax rate	0.70%	0.62%	higher than 13 of the other 19 Tennessee cities we cover
Water	$337	$492	lower than 15 of the other 19 Tennessee cities we cover
Sewer and utility-bill fees	$1,028	$776	higher than 16 of the other 19 Tennessee cities we cover
Trash	$295	$223	higher than 10 of the other 13 Tennessee cities we cover
Electricity and gas	$2,821	$2,466	higher 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	$7,932	$7,240	higher than 13 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. Water

The fact: Water here costs about $337 a year at typical use, lower than 15 of the other 19 Tennessee cities we cover.

Ask: "Water here costs about $337 a year at typical use, lower than 15 of the other 19 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 $1,028 a year, higher than 16 of the other 19 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 $1,028 a year, higher than 16 of the other 19 Tennessee cities we cover. What drives that cost, and would you change anything?"

3. Trash

The fact: Trash pickup here costs about $295 a year for the standard cart, higher than 10 of the other 13 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 $295 a year for the standard cart, higher than 10 of the other 13 Tennessee cities we cover. What drives that cost, and would you change anything about the service or the price?"

4. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,821 a year, higher 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 $2,821 a year for a typical house, higher 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?"

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Common questions about Red Bank house costs

What is the property tax rate in Red Bank?

About 0.70% of the value before exemptions a year (2026 tax year, City of Red Bank and Hamilton County), plus flat charges on the same bill (City stormwater fee (yearly, single-family) $70).

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

About $3,577 a year on $500,000 of the value before exemptions, including $70 of flat charges.

How much is the water bill in Red Bank?

About $114 a month for water and sewer at typical use (4,000 gallons a month) on Tennessee American Water.

How much does trash pickup cost in Red Bank?

$25 a month for a house.

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

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