Clay County, TN Property Taxes (2026)

Clay County owners pay a median of $841 a year on a median home value of $136,900, an effective rate of 0.61%. That's the 15th-highest rate of 95 Tennessee counties with Census data, above the Tennessee county median of 0.50%.

Updated October 2026 · Data: U.S. Census Bureau, American Community Survey 5-Year Estimates (2019–2023)

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Effective tax rate

0.61%

15th highest of 95 in TN

Median annual bill

$841

~$70/month

Median home value

$136,900

Tennessee county median

0.50%

Effective rate

What a protest could save you in Clay County

Enter the market value from your appraisal notice. We apply Clay County's 0.61% effective rate and a 10–15% reduction, the typical range for successful protests.

$
Est. annual tax
$835
Savings at 10–15% off
$84–$125
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Clay County vs. Tennessee vs. U.S. property tax rates

Clay County0.61%
Tennessee county median0.50%
U.S. county median0.84%

Key stat: Clay County's effective property tax rate is 0.61%, vs. 0.50% for the median Tennessee county and 0.84% for the median U.S. county. It ranks 15th of 95 in Tennessee. Effective rate = median tax bill ÷ median home value, so it already reflects typical exemptions. (Source: U.S. Census Bureau, American Community Survey 5-Year Estimates (2019–2023))

How to appeal your property taxes in Clay County

  1. 1

    Review your assessment notice

    Check the assessed value from the Clay County Property Assessor. Compare it to recent sales of similar homes nearby.

  2. 2

    File your appeal before the deadline

    The Clay County deadline is June 1 – July (reappraisal years). Missing it means waiting until the next assessment year.

  3. 3

    Gather evidence

    Recent comparable sales, photos of condition issues, repair estimates or an independent appraisal.

  4. 4

    Present your case

    Submit evidence or attend a hearing with the County Property Assessor.

  5. 5

    Get your decision

    If you win, your assessed value and bill go down. On a $841 bill, 10–15% off is $84–$126 a year.

Want help with it?

TaxDrop builds your case from comparable sales data.

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Property tax exemptions in Tennessee

Tennessee homeowners may qualify for exemptions that reduce taxable value. Check with the Clay County Property Assessor for amounts.

Homestead exemption

For your primary residence. Reduces the value used to calculate your bill.

Senior / over-65

Many states add an exemption or freeze for owners 65 and older.

Disability

For homeowners with qualifying disabilities, often similar to the over-65 benefit.

Veterans

Disabled veterans may get partial or full exemptions depending on rating.

Frequently Asked Questions

What is the property tax rate in Clay County, Tennessee?
The median effective property tax rate in Clay County is 0.61%: a median annual bill of $841 on a median home value of $136,900. That's the 15th-highest rate of 95 Tennessee counties with Census data. Your own rate depends on which city, school district and special districts you're in. Source: U.S. Census Bureau, American Community Survey 5-Year Estimates (2019–2023).
How much are property taxes in Clay County?
The median Clay County property tax bill is $841 a year, about $70 a month, compared with a Tennessee county median of $865.
What is the deadline to appeal property taxes in Clay County?
The deadline to appeal in Clay County is June 1 – July (reappraisal years). Missing it means waiting until the next assessment cycle.
Is Clay County a high property tax area?
Clay County's 0.61% effective rate is above the Tennessee county median of 0.50% and below the U.S. county median of 0.84%. That's the 15th-highest rate of 95 Tennessee counties with Census data.
Can TaxDrop help lower my Clay County property taxes?
TaxDrop analyzes your property against local comparable sales and helps you appeal your assessment.

Property taxes in nearby counties

Jackson County

Rate: 0.50%

Median bill: $671

Overton County

Rate: 0.39%

Median bill: $676

Macon County

Rate: 0.41%

Median bill: $858

Pickett County

Rate: 0.37%

Median bill: $606

Putnam County

Rate: 0.53%

Median bill: $1,299

Smith County

Rate: 0.47%

Median bill: $1,047

Trousdale County

Rate: 0.42%

Median bill: $1,200

Fentress County

Rate: 0.34%

Median bill: $519

← All 95 Tennessee counties

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