County data
Rutherford County, TN Mortgage Calculator
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- Property tax$0
- Home insurance$0
- HOA dues$0
- Mortgage insurance (PMI)$0
- Total interest over the loan
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Rutherford County at a glance
Median home value
$382,600
Property tax rate
0.48%
Tennessee: 0.55% · U.S.: 1.05%
Median income
$85,470
Conforming loan limit
$1,029,250
Typical monthly cost of the median home
Principal and interest
$2,094
$306,080 loan at 7.28%, 30 years
Property tax
$153
0.48% of $382,600 a year
Together
$2,247
before insurance, HOA and PMI
Other large counties in Tennessee
| County | Median home | Tax rate | Payment |
|---|---|---|---|
| Shelby County | $249,100 | 1.05% | $1,581 |
| Davidson County | $417,400 | 0.60% | $2,493 |
| Knox County | $320,900 | 0.44% | $1,874 |
| Hamilton County | $312,800 | 0.61% | $1,871 |
| Williamson County | $751,900 | 0.40% | $4,366 |
| Montgomery County | $280,200 | 0.62% | $1,679 |
| Sumner County | $393,100 | 0.51% | $2,319 |
| Sullivan County | $213,300 | 0.62% | $1,278 |
Frequently asked questions
What is the property tax rate in Rutherford County, TN?
Homeowners with a mortgage in Rutherford County pay a median of $1,850 a year in property tax on a median home value of $382,600, an effective rate of 0.48%. That is below the Tennessee figure of 0.55% and below the U.S. median of 1.05%. It ranks 54 of 95 counties in Tennessee for effective rate, highest first. Your own bill depends on the assessed value, the taxing districts and any exemptions.
How much is the monthly payment on a median-priced home in Rutherford County?
On a $382,600 home with 20% down and a 30-year loan at 7.28% (the Freddie Mac weekly average), principal and interest is about $2,094 a month and property tax about $153, so roughly $2,247 before homeowners insurance, HOA dues and mortgage insurance. For comparison, the median household income here is $85,470 a year, so that payment is about 32% of it.
What is the conforming loan limit in Rutherford County?
The 2026 one-unit conforming loan limit for Rutherford County is $1,029,250, higher than the $832,750 that applies in most Tennessee counties because it is a designated high-cost area. A conventional loan above that amount is a jumbo loan, which can have different rates and down payment requirements.
Where do these numbers come from?
Home values, property taxes and incomes are U.S. Census Bureau American Community Survey 5-year medians for the county. Loan limits come from the Federal Housing Finance Agency and rates from Freddie Mac. The methodology page lists each source and when it was retrieved.
Data and method. Home values, property taxes and incomes: U.S. Census Bureau, ACS 2024 5-year (2020-2024) (medians, with sampling error; property tax is for owners with a mortgage). Loan limits: FHFA. Rates: Freddie Mac weekly average as of October 1, 2026. Retrieved October 1, 2026. Payment figures assume 20% down, a 30-year fixed loan, and exclude insurance, HOA dues and mortgage insurance. Estimates only; see the methodology.