What You’ll Pay in Property Taxes in Nashville
As of 2025, property taxes in Nashville are generally in line with the state average, typically falling between 0.8%–1.2% annually. The typical property tax rate in Nashville is around 0.96%. For a home valued at $400,000, that translates to approximately $3,840 per year in property taxes.
Property tax rates can vary slightly between neighborhoods and are based on the assessed value of your home. Rates are set by the local government and help fund public services like schools, roads, and emergency services. It’s important to factor in property taxes when budgeting for homeownership costs in Nashville.
How HOA Fees Work in Nashville
Many neighborhoods in Nashville have a Homeowners Association (HOA) that manages and maintains common areas and amenities. As a homeowner, you’ll pay monthly or annual dues to the HOA to cover these costs. HOA fees are in addition to your mortgage and property taxes.
In Nashville, HOA fees commonly include:
- Trash collection
- Landscaping of common areas
- Community pool maintenance
- Neighborhood security patrols
- Clubhouse or fitness center upkeep
- Irrigation and xeriscaping services to minimize water usage
The amenities and services covered by HOA fees can vary significantly between neighborhoods. Generally, the more upscale the community and the more amenities offered, the higher the monthly HOA costs will be. Be sure to carefully review what’s included in a home’s HOA fees when considering a purchase.
Typical Monthly HOA Costs
In Nashville, you can expect to pay anywhere from $70 to over $200 per month in HOA fees, depending on the neighborhood and amenities. Here’s a rough breakdown of what you might pay monthly for different types of communities:
| Neighborhood Type | Typical Monthly HOA Fee |
|---|---|
| Low-amenity neighborhood | $70 – $120 |
| Average suburban community | $120 – $180 |
| Luxury development with extensive amenities | $180 – $250+ |
| Example: $295k home with 0.8% property tax + $150 HOA | $345 per month |
For most homeowners, neighborhoods with fewer amenities tend to be the most cost-effective, with HOA fees in the $70–$120 per month range. However, for those who want convenient access to recreation and don’t mind paying a premium, a high-amenity neighborhood with fees of $200+ may be worth the cost.
Hidden or Seasonal Fees to Expect
In addition to monthly HOA dues, there are some hidden fees to watch out for when living in Nashville. These may include:
- Special assessments for major community repairs or upgrades
- Permit fees for exterior home improvements
- Pet registration fees
- Parking permit costs
- Bulk trash removal surcharges
Seasonal costs can also impact your monthly expenses as a homeowner in Nashville. In the summer months, irrigation surcharges can add up to $20-$40 per month in some neighborhoods. If your home has a pool, expect increased electricity and water costs during the warmer months as well.
Are These Costs Worth It?
While paying property taxes and HOA fees does increase your housing costs, these expenses often provide valuable services and amenities that protect and enhance your quality of life and property values. Neighborhood Associations in Nashville help ensure community standards are met, shared spaces are well-maintained, and that the community is safe and attractive.
However, HOA living does come with some tradeoffs:
- Pro: Well-kept amenities and aesthetically pleasing common areas
- Con: Restrictive rules around home exteriors, parking, pets, etc.
- Pro: Homes in managed communities often see better resale values
- Con: Lack of freedom to personalize your home’s appearance
Ultimately, whether the costs of HOA living are worthwhile depends on your personal preferences and budget. In Nashville, homes in HOA communities with high-end amenities often retain higher resale value than those in less-managed neighborhoods, which may offset the additional monthly costs.
FAQs About Property Tax and HOA in Nashville
How much is the average HOA fee in Nashville?
As of 2025, the typical HOA fee in Nashville ranges from $70 – $200+ per month, depending on the neighborhood amenities and services provided. Fees tend to be higher in luxury communities and lower in neighborhoods with fewer common areas and amenities.
Can your HOA fees increase?
Yes, HOA fees can increase over time as the cost of services and maintenance rises. However, HOAs are required to provide notice of fee increases and justify the change to homeowners. Significant fee hikes may require a vote of the Association members.
Do you pay both property tax and HOA fees?
Yes, property taxes and HOA fees are separate expenses. All homeowners pay property taxes, which are based on your home’s assessed value and the local tax rate. If your home is part of an HOA, you’ll pay monthly or annual HOA dues in addition to property taxes.
How do property tax rates compare between Nashville and neighboring cities?
Property tax rates in Nashville are slightly lower than in neighboring cities like Franklin, where rates average 1.1%, and Murfreesboro, where homeowners pay an average of 1.2% in property taxes. However, rates can vary significantly between individual neighborhoods.
Is an HOA fee worth it for new homeowners?
Whether HOA fees are worth it depends on your budget, lifestyle, and preferences. Housing costs in Nashville vary by home type and location. For some homeowners, the convenience and amenities provided by an HOA justify the added monthly cost. For others, a non-HOA home may be a better financial choice.
Final Cost Insights for Nashville Homeowners
As you budget for homeownership costs in Nashville, be sure to factor in both property taxes and any applicable HOA fees. With property tax rates hovering around 0.96% and HOA fees ranging from $70-$200+ per month, these costs can add up to several thousand dollars per year on top of your mortgage payment.
However, for many Nashville homeowners, the services and amenities provided by property taxes and HOA dues are well worth the expense. From well-maintained community spaces to enhanced neighborhood security, these fees help protect your quality of life and property values.
Ultimately, the decision of whether to purchase a home with high or low property tax and HOA costs is a personal one based on your financial situation and priorities. Be sure to carefully review all monthly costs and neighborhood rules before making an offer on a home, and don’t hesitate to negotiate HOA fees or special assessments as part of your purchase agreement.