Smyrna, TN · Updated Oct 2026

What a Smyrna 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 Smyrna house

$6,580a year · $548 a month

Starts at the typical market value, $358,300; your assessed value is often lower. Typical use.

Property tax$1,715
0.479% of $358,300
Electricity and gas$2,277
1154 kWh a month $1,810 · 45.8 therms $467
Water and sewer$1,096
7,000 gallons a month on Smyrna Water System (Town of Smyrna): water $37, sewer $50, stormwater user fee (single-family flat rate for up to 10,000 sq ft of impervious surface; the monthly rate per eru went from $3.47 in 2025-26 to $4.50 in 2026-27) $5 a month
TrashNot included
Not a Town service: a private hauler subscription, or Rutherford County's convenience centers
Home insurance$1,492
Typical premium $1,492

A Smyrna house at the typical market value ($358,300) pays about $6,600 a year: $1,710 property tax and charges, $1,100 water and sewer, $2,280 electricity and gas, $1,490 home insurance; trash is billed separately. 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:

Seniors 65+: property tax freezeIncome limit $63,470 (2025 income)
Homeowners 65 or older by December 31, 2026 can freeze the tax on their primary residence at the amount for the year they qualify, even if the rate goes up or the county reappraises. The Rutherford County Trustee lists an income limit of $63,470 for 2025 for the applicant, spouse and all others on the deed; the state's tax year 2026 list shows the same $63,470 local option limit for Smyrna. You must reapply each year.
How: Call the Rutherford County Trustee's Office at (615) 898-7705 for an appointment.
Seniors 65+ and disabled homeowners: state tax reliefIncome limit $38,470; on the first $33,600 of value
Tennessee pays back part or all of the property tax for low-income elderly and disabled homeowners. Combined 2025 income of the owners and spouse cannot exceed $38,470, and relief is calculated on the first $33,600 of market value.
How: Call the Rutherford County Trustee's Office; for city taxes you may also contact your city collecting official.
Disabled veterans: state tax reliefOn up to $175,000 of market value
Disabled veteran homeowners whose disability meets the state's categories, and some surviving spouses, can get property tax relief calculated on up to $175,000 of market value.
How: Call the Rutherford County Trustee's Office; consent form F-16 (F-16S for a surviving spouse) is available there or from the city collecting official.
Repaired a water leak? Ask for a sewer adjustment
The Town adjusts two consecutive bills a year to a six-month average after a leak; only the sewer portion of the bill is adjusted.
How: Sign an affidavit that the leak has been repaired at the utilities office, 315 South Lowry Street in Smyrna City Hall.
Filling a pool? Ask for a sewer adjustment
The Town allows one pool adjustment a year on sewer bills, for a pool that holds at least 1,000 gallons.
How: Fill out a form at the office with the water used, or call in the meter readings from before and after filling.
Smyrna Natural Gas rebates for gas appliances$50 for a replacement gas furnace or water heater
Smyrna Natural Gas's residential rebate sheet lists $50 for replacing an existing gas furnace or water heater, and says existing buildings with no prior rebates can qualify with one gas unit when replacing electric or propane equipment. Supporting documentation is required.
How: Use the Smyrna Natural Gas rebate request form on the Town's gas department page; supporting documentation such as the sales receipt and codes inspection is required.
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

Before Apr 5, 2027Apply for the 2026 senior property tax freeze with the Rutherford County Trustee before April 5, 2027.
Oct 1 – Feb 28The Rutherford County Trustee says property taxes are due October 1 through February 28; Town of Smyrna owners get one bill for town and county taxes. After the delinquency date, unpaid balances accrue interest at 1.5% a month.
JuneThe Rutherford County Board of Equalization begins meeting the first working day of June to hear value appeals. In 2026 it reconvened on July 7 and accepted appeals until August 7.

Who serves this house

Water: Smyrna Water System (Town of Smyrna); Town of Smyrna residential water inside town limits, 2026-27: $14.46 for the first 2,000 gallons, $4.51 per 1,000 gallons for the next 3,000, $5.13 per 1,000 for the next 5,000 and $5.73 per 1,000 over 10,000 gallons; meters are read every month
Property tax: 0.48% of value; 2026 tax year (FY 2026-27), Town of Smyrna and Rutherford County
Sewer: Town of Smyrna; Inside town limits, 2026-27: $22.05 for the first 2,000 gallons, then $5.89 per 1,000 gallons
Electricity: Middle Tennessee Electric (MTE); Residential basic service $21.81 a month plus a base rate and TVA fuel cost adjustment per kWh
Gas: Smyrna Natural Gas (Town of Smyrna); Residential base minimum rate $7.50 plus a usage rate of cost + $2.50 per MCF (2026-27)

Pay or manage your bills

Your water

Source: Surface water from the Stones River/J. Percy Priest Lake.
Lead: 2023 tap samples: 90th percentile lead not detected (range ND - 11.9 ppb; the report lists 15 ppb as the limit); the service line inventory found no lead service lines.
Hardness: Target hardness for finished water is 55 to 75 mg/L (3.2 to 5.8 grains per gallon).

How these numbers are made

The Town of Smyrna bills water, sewer, natural gas and the stormwater fee. Water (inside town limits, residential, 2026-27 fee schedule): $14.46 for the first 2,000 gallons, then $4.51, $5.13 and $5.73 per 1,000 gallons in the next 3,000, next 5,000 and over 10,000 gallons. Sewer: $22.05 for the first 2,000 gallons, then $5.89 per 1,000 gallons. Stormwater: $4.50 a month for a single-family home with up to 10,000 sq ft of impervious surface, ($4.50 a month in the Town's final 2026-27 fee schedule, up from $3.47 in 2025-26). Some addresses inside the town get water from Consolidated Utility District (CUD) instead of the Town; we model the Town's system.
Garbage: the Town's plans of services say refuse collection is provided by private companies through contracts with individual property owners, so no trash charge is counted. Residents hire a private hauler or take household waste to a Rutherford County convenience center.
Property tax: Tennessee assesses a house at 25% of its appraised value and sets rates per $100 of that assessed value. Rutherford County reappraised all property for 2026, and both rates fell to the certified (revenue-neutral) level: Town of Smyrna $0.4258 (Ordinance 26-27, down from $0.5257) and Rutherford County $1.4885 (down from $1.8762), which includes the county's school funding. On appraised value that is 0.106% town and 0.372% county, 0.479% in all. Smyrna has no separate school district rate. The Rutherford County Trustee collects both on one bill. 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 Smyrna ($358,300, ACS 2020-2024), a market value from before the 2026 reappraisal; the tax shown for it is about $1,715 at 2026 rates. Because both 2026 rates are certified revenue-neutral rates (the Assessor's certified rates and Ordinance 26-27), a home whose value rose by about the county median (26%) pays about the same as in 2025; homes whose value rose more pay more, and homes whose value rose less pay less. Cross-check: the Census median real estate taxes paid in Smyrna (ACS 2020-2024) is $1,764. Enter your 2026 appraised value from your Rutherford County appraisal 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: Smyrna Natural Gas bills a $7.50 residential base minimum rate plus the Town's cost of gas and $2.50 per MCF. The Town does not publish its monthly cost of gas, so we use EIA's 2025 average Tennessee citygate price ($4.62 per MCF) as the cost: ($4.62 + $2.50) per MCF at 10.37 therms per MCF = about $0.687 per therm. Winter gas costs can be higher (EIA's January 2026 Tennessee citygate price was $8.07). 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 Smyrna compares

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

Per year	Smyrna	Median	Where it falls
Property tax rate	0.48%	0.62%	lower than 17 of the other 19 Tennessee cities we cover
Water	$443	$492	lower than 12 of the other 19 Tennessee cities we cover
Sewer and utility-bill fees	$653	$776	lower than 11 of the other 19 Tennessee cities we cover
Electricity and gas	$2,277	$2,466	lower 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	$6,580	$7,240	lower than 17 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. Property tax rate

The fact: Smyrna's property tax rate is 0.48%, lower than 17 of the other 19 Tennessee cities we cover. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in Smyrna is 0.48%, lower than 17 of the other 19 Tennessee cities we cover. What should that money pay for first, and would you change anything about how it is set?"

2. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,277 a year, lower 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 $2,277 a year for a typical house, lower 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 Smyrna house costs

What is the property tax rate in Smyrna?

About 0.48% of the value before exemptions a year (2026 tax year (FY 2026-27), Town of Smyrna and Rutherford County), plus flat charges on the same bill.

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

About $2,393 a year on $500,000 of the value before exemptions.

How much is the water bill in Smyrna?

About $91 a month for water and sewer at typical use (7,000 gallons a month) on Smyrna Water System (Town of Smyrna).

How much does trash pickup cost in Smyrna?

Not a Town service: a private hauler subscription, or Rutherford County's convenience centers

When is property tax due in Smyrna?

Oct 1 – Feb 28: The Rutherford County Trustee says property taxes are due October 1 through February 28; Town of Smyrna owners get one bill for town and county taxes. After the delinquency date, unpaid balances accrue interest at 1.5% a month.

Can seniors lower their property tax or bills in Smyrna?

Yes. Seniors 65+: property tax freeze: Homeowners 65 or older by December 31, 2026 can freeze the tax on their primary residence at the amount for the year they qualify, even if the rate goes up or the county reappraises. The Rutherford County Trustee lists an income limit of $63,470 for 2025 for the applicant, spouse and all others on the deed; the state's tax year 2026 list shows the same $63,470 local option limit for Smyrna. You must reapply each year.

Where can I get help paying utility bills in Smyrna?

Seniors 65+ and disabled homeowners: state tax relief: Tennessee pays back part or all of the property tax for low-income elderly and disabled homeowners. Combined 2025 income of the owners and spouse cannot exceed $38,470, and relief is calculated on the first $33,600 of market value. Call the Rutherford County Trustee's Office; for city taxes you may also contact your city collecting official.

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

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