What You’ll Pay in Property Taxes in Antioch
The average effective property tax rate in Antioch, TN is 0.96% as of 2025. Property taxes in Antioch are generally in line with the state average, typically falling between 0.8%–1.2% annually. For a home valued at $300,000, the typical property tax bill would come to around $2,880 per year, or $240 per month.
While this rate is slightly higher than some neighboring cities like Smyrna (0.91%) and La Vergne (0.89%), it remains very competitive compared to the national average. Homeowners in Antioch benefit from Tennessee’s overall low property tax rates, which rank as the 14th lowest in the country.
It’s important to note that property taxes can vary based on the specific location and assessed value of your home within Antioch. Newer developments or those with higher-end amenities may face slightly higher tax rates. However, the typical property tax rate in Antioch is around 0.96%, providing a reliable baseline for homeownership budgeting.
How HOA Fees Work in Antioch
In addition to property taxes, many neighborhoods in Antioch have Homeowners Associations (HOAs) that charge monthly or annual fees. These HOA fees help cover the costs of maintaining and enhancing the community’s common areas and amenities.
In Antioch, HOA fees often include services such as:
- Trash collection and recycling
- Landscaping and lawn care for common areas
- Community pool and fitness center access
- Clubhouse and park usage
- Exterior maintenance of townhomes or condos
- Neighborhood security and patrols
The specific amenities and services covered by HOA fees can vary significantly between neighborhoods in Antioch. Some communities may offer extensive perks like tennis courts, walking trails, and splash pads, while others provide more basic landscaping and maintenance. When shopping for a home in Antioch, be sure to carefully review the HOA agreement to understand what’s included in your monthly fees.
Typical Monthly HOA Costs
As of 2025, HOA fees in Antioch typically range from $75 to $250 per month. The exact amount you’ll pay depends on the neighborhood, property type, and amenities offered.
| Neighborhood Type | Typical Monthly HOA Fee |
|---|---|
| Low-amenity neighborhood | $75 – $120 |
| Average suburban community | $120 – $175 |
| Luxury or amenity-rich development | $175 – $250+ |
| Example: $325k home with 0.96% tax + $150 HOA | $410 per month |
For budget-conscious homeowners, neighborhoods with fewer amenities tend to have lower HOA fees, often in the range of $75 to $120 per month. These communities still typically include essential services like common area maintenance and trash collection.
On the higher end, amenity-rich neighborhoods or luxury developments in Antioch may have HOA fees exceeding $250 per month. These fees often grant access to premium features like community gyms, pools, clubhouses, and even private security.
Hidden or Seasonal Fees to Expect
Beyond the standard monthly HOA fees, homeowners in Antioch should be aware of potential hidden or seasonal costs that can impact their budgets:
- Special assessments: HOAs may levy one-time fees for major repairs or upgrades to community amenities.
- Parking permits: Some neighborhoods charge annual fees for parking privileges or guest passes.
- Pet rent: Certain HOAs implement monthly “pet rent” or one-time fees for residents with dogs or cats.
- Clubhouse rentals: Reserving the community center for private events often incurs an additional fee.
- Lawn care surcharges: Basic landscaping may be included, but edging or weeding services could cost extra.
In the summer months, some Antioch neighborhoods may charge irrigation fees to help maintain lush common areas despite the heat. These surcharges can add $10 to $25 per month to your typical HOA payment.
It’s crucial for homeowners to thoroughly review their HOA agreements and ask about any [Surprising Local Fees in Antioch to Watch Out For](/antioch-tn/local-hidden-fees/). By understanding the full scope of potential costs, you can budget more accurately and avoid unwelcome surprises down the road.
Are These Costs Worth It?
While property taxes and HOA fees certainly add to the cost of homeownership, many residents find that the benefits outweigh the expenses. In exchange for these costs, homeowners in Antioch often enjoy:
- Well-maintained neighborhoods with attractive landscaping and common areas
- Access to amenities like pools, parks, and fitness centers that would be costly to maintain individually
- Consistent enforcement of community standards that help protect property values
- Shared costs for major exterior repairs and maintenance in townhome or condo communities
Of course, the decision of whether HOA living is worth the cost depends on your personal preferences and budget. Some homeowners prefer the freedom and lower monthly costs of neighborhoods without HOAs, while others appreciate the amenities and community standards provided by these associations.
It’s also worth noting that in Antioch, homes within HOA communities often command higher resale values compared to similar properties without HOAs. The well-maintained amenities and consistent oversight provided by the association can be attractive selling points for future buyers.
FAQs About Property Tax and HOA in Antioch
How much is the average HOA fee in Antioch?
As of 2025, the typical HOA fee in Antioch ranges from $75 to $250 per month, with most homeowners paying between $120 and $175 monthly.
Can my HOA fees increase over time?
Yes, HOA fees can increase over time to keep up with inflation, rising maintenance costs, or new community enhancements. However, any fee increases must be approved by the HOA board and are typically capped at a certain percentage per year.
Do I have to pay both property taxes and HOA fees?
Yes, property taxes and HOA fees are separate expenses. Property taxes are paid to the local government, while HOA fees are paid to your homeowners association for community upkeep and amenities.
How do property tax rates in Antioch compare to nearby cities?
Antioch’s 0.96% average property tax rate is slightly higher than Smyrna (0.91%) and La Vergne (0.89%) but lower than Nashville (1.19%). Overall, Antioch’s property taxes are competitive within the region.
Is an HOA worth the extra cost for first-time homebuyers?
It depends on your budget and lifestyle preferences. HOA neighborhoods often provide valuable amenities and maintain higher standards, but they do come at a monthly cost. Consider [How Much You’ll Pay for Housing in Antioch](/antioch-tn/housing-breakdown/) as a whole when making your decision.
Final Cost Insights for Antioch Homeowners
In summary, the typical homeowner in Antioch can expect to pay around 0.96% in property taxes and $120 to $175 per month in HOA fees as of 2025. While these costs add to the overall expense of homeownership, they also provide key benefits like community amenities, shared maintenance, and higher resale values.
When budgeting for a home purchase in Antioch, be sure to factor in both the monthly mortgage payment and the recurring costs of property taxes and HOA fees. Keep in mind that these expenses can vary based on your specific neighborhood and home value, so it’s important to review the details closely before making an offer.
Ultimately, while the added costs of property taxes and HOA fees are important considerations, many homeowners in Antioch find that the benefits of these expenses enhance their quality of life and provide valuable long-term returns on their investment.