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Wilson County Property Taxes: Simple Guide for Homebuyers

Wilson County Property Taxes: Simple Guide for Homebuyers

Comparing Lebanon, Mount Juliet, and Watertown

Property taxes can make a noticeable difference in your monthly payment when buying a home. If you're looking in Lebanon, Mount Juliet, Watertown, or rural Wilson County, knowing how each area’s taxes compare can help you plan confidently. This guide keeps everything simple and easy to understand.

How Property Taxes Work in Tennessee

Tennessee does not tax the full value of your home. Instead, taxes apply to 25% of the home’s market value, known as the assessed value.

Example:
A $400,000 home → taxed on $100,000.

All properties pay the county tax, and homes inside a city also pay a city tax.
Lebanon has one additional layer: the LSSD school district tax.

Wilson County Base Tax (Everyone Pays This)

County Rate: $1.9089 per $100 of assessed value

This applies no matter where you live in Wilson County.

Property Tax Comparison by Area

Based on a $500,000 home (assessed at $125,000)

Lebanon – Highest Overall Taxes

Lebanon includes:

  • Wilson County tax

  • City tax ($0.6855)

  • LSSD school tax ($0.2973) in certain neighborhoods

Estimated annual taxes:

  • About $3,600 inside the LSSD zone

  • About $3,200 outside the LSSD zone

Lebanon’s taxes are higher because the city provides more local services and operates its own school district.

Mount Juliet – Lowest City Tax

Mount Juliet includes:

  • Wilson County tax

  • City tax ($0.29)

Estimated annual taxes:

  • Around $2,750

Mount Juliet has one of the lowest city tax rates in Middle Tennessee thanks to strong retail revenue and efficient operations.

Watertown – Moderate Taxes

Watertown includes:

  • Wilson County tax

  • City tax ($0.6027)

Estimated annual taxes:

  • Around $3,100

Watertown offers small-town living with moderate taxes and generally more affordable home prices.

Unincorporated Wilson County – Lowest Total Taxes

Homes outside city limits pay county tax only.

Estimated annual taxes:

  • About $2,386

This is the lowest tax option in Wilson County, though you won’t have city services.

Why This Matters for Homebuyers

Property taxes affect:

  • Your monthly mortgage payment

  • How much home you qualify for

  • Your total cost of ownership

Mount Juliet usually offers the lowest taxes.
Lebanon has the highest but includes more services.
Watertown sits between the two with a quieter lifestyle.
Rural county areas have the lowest overall bills.

Want Exact Numbers for a Specific Home?

Property taxes can change your payment by $100 or more per month depending on the address.
I can calculate the full monthly payment and compare areas side-by-side.

Just send me the home or area you're considering — I’ll run the numbers for you.