Taxes & Insurance in La Vergne
La Vergne's property tax computes to roughly 0.48% of appraised value combining Rutherford County's and the city's own certified 2026 rates, layered onto Tennessee's zero state income tax, a 9.75% combined sales tax, and homeowners insurance cited well below the Tennessee statewide average.
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Learn moreA real, computed combined property tax rate
The newly certified 2026 revenue-neutral rate for Rutherford County is $1.4885 per $100 of assessed value; the City of La Vergne's own certified 2026 rate is $0.4359 per $100, for a combined $1.9244 per $100. Applying Tennessee's state-constitutional 25% residential assessment ratio produces a computed effective rate of roughly 0.48% of appraised value -- a same-session calculation from these cited primary rates (WGNS Radio), not an independently confirmed aggregator figure.
Zero state income tax, a real structural fact
Tennessee levies no state income tax on wages, retirement income, capital gains, or Social Security -- a 2014 constitutional amendment permanently bars any future wage/salary income tax (see tennessee.js for the full statewide history). This applies uniformly to La Vergne.
A 9.75% combined sales tax, identical across this three-city batch
Rutherford County levies the same 2.75% local-option sales tax on top of Tennessee's 7% state rate as Dickson and Wilson counties (both built in the same pass), for an identical 9.75% combined rate across all three markets -- this sits slightly above Tennessee's own ~9.61% statewide average, itself the second-highest combined rate in the nation after Louisiana.
Homeowners insurance well below the statewide average, but disclosed as a real gap
A place-specific quote-aggregator source cited La Vergne homeowners insurance at roughly $686-$930/year, notably below Tennessee's statewide $3,408/year average (LendingTree, June 2026, 7th-highest in the nation). This is a real, disclosed gap between a lower-confidence local estimate and a well-sourced statewide figure -- get a property-specific quote rather than assuming either extreme applies.
Key takeaways
- La Vergne's computed effective property tax rate is roughly 0.48% of appraised value (Rutherford County $1.4885/$100 + city $0.4359/$100, at Tennessee's 25% residential assessment ratio).
- Tennessee's zero state income tax applies uniformly, a real structural advantage for wage earners and retirees alike.
- The 9.75% combined sales tax matches Dickson and Lebanon in this same batch -- identical across all three Middle Tennessee counties reviewed.
- Homeowners insurance is cited well below the Tennessee statewide average ($686-$930/year vs. $3,408/year) -- confirm with a property-specific quote.
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