Quick answer (as of October 2026) The cost of living in Spring Hill, TN comes to about $3,325 a month on the Williamson County side and about $3,335 on the Maury County side for a $493,800 home with 20% down, before HOA dues, natural gas, food and cars. That home is the Census median value for Spring Hill for 2020 to 2024, at Mortgage News Daily's 7.29% 30-year rate on October 29, 2026. Inside city limits, property tax is $2.009 per $100 of assessed value in Williamson County and $2.108 in Maury County. Sales tax is 9.75%, and Tennessee doesn't tax wages.
You're pricing out a move, and the websites keep handing you one index number for Spring Hill. An index can't tell you that the county line moves your tax bill, that your address decides who sends the water bill, or that the City's water and sewer charges rose about 30% on July 1, 2025 and again on July 1, 2026.
I live next door in Canterbury, in Thompson's Station, and my office is at 231 Public Square in Franklin. My kids have played soccer at Fischer Park at Port Royal and football with the Spring Hill Hawks, who practice there. I've been selling real estate since 2013 and investing in real estate since 2005, with more than 500 transactions and more than $500 million in career sales.
Send me an address and I'll check the county, the tax bill and the water provider. DM me, text or call 615-392-1186.
How much does it cost to live in Spring Hill, TN each month?
A $493,800 home in Spring Hill, TN costs about $3,325 a month on the Williamson County side and about $3,335 on the Maury County side as of October 2026. The sample home sits inside city limits on City water and sewer, with 20% down on a 30-year fixed loan and an appraised value equal to the $493,800.
| Monthly line | Williamson County side | Maury County side | Input and source |
|---|---|---|---|
| Home value | $493,800 | $493,800 | Census median value, Spring Hill city, 2020 to 2024 survey |
| Down payment, 20% | $98,760 | $98,760 | Sample assumption |
| Loan amount | $395,040 | $395,040 | 30-year fixed |
| Principal and interest | $2,706 | $2,706 | 7.29%, Mortgage News Daily 30-year index, October 29, 2026 |
| Property tax | $207 | $217 | $123,450 assessed (25%) at $2.009 or $2.108 per $100, 2026 rates, inside city limits |
| Homeowners insurance | $124 | $124 | $1,492 a year, Tennessee HO-3 average, NAIC 2022 data published by Triple-I. Statewide, not Spring Hill |
| Water and sewer | $131 | $131 | 5,000 gallons at City of Spring Hill rates from July 1, 2026 |
| Stormwater | $8 | $8 | City of Spring Hill rate for most homes, July 1, 2026 |
| Trash, recycling and City services | $25 | $25 | $24.55, City of Spring Hill, July 1, 2026 |
| Electric | $124 | $124 | 1,000 kWh at October 2026 rates: Middle Tennessee Electric $124.25, Columbia Power $124.15 |
| Monthly total | About $3,325 | About $3,335 | Leaves out HOA dues, natural gas, food and cars |
Price moves the total most. Each $100,000 you add at 20% down adds about $548 a month in principal and interest, plus about $42 in property tax in Williamson County or $44 in Maury County.
The Census median is a citywide survey figure that runs behind today's asking prices. Realtor.com's county file put the median listing price at $1,155,000 across all of Williamson County and $493,850 across all of Maury County in September 2026, and neither one is Spring Hill alone. My Spring Hill housing market report has closed sales by county side.
For renters, the Census median gross rent in Spring Hill is $1,844 a month for 2020 to 2024. Median owner costs with a mortgage are $2,077 for the same years, but that's a survey of current owners, so it isn't what a buyer pays at a 7.29% rate.
The insurance line is a statewide average from 2022, so replace it with a quote on the actual address.
Rates, APRs, buydowns and builder incentives on this page are published by the builder or lender named, were read on the date shown, and can change or end without notice. They are not an offer of credit from me or eXp Realty, and I am a licensed Realtor (TREC 369038), not a mortgage lender. Confirm the current terms, APR, eligibility and any lender requirement in writing with the builder or lender before you rely on them.
Property tax figures are the county and city rates published for the year shown and are for planning only. Your actual bill depends on the assessed value, any exemptions and the city or district the home sits in. Confirm with the county assessor or trustee and your tax professional before you rely on a number.
What are property taxes in Spring Hill, TN?
Inside Spring Hill city limits, the 2026 property tax rate is $2.009 per $100 of assessed value in Williamson County and $2.108 in Maury County. Tennessee assesses a home at 25% of its appraised value, so every $100,000 of appraised value costs about $502 a year in Williamson County and $527 in Maury County.
| Where the home sits (2026) | County rate | City rate | Total per $100 assessed | A year on $493,800 appraised |
|---|---|---|---|---|
| Williamson County, inside Spring Hill city limits | $1.27 | $0.739 | $2.009 | About $2,480 |
| Maury County, inside Spring Hill city limits | $1.369 | $0.739 | $2.108 | About $2,602 |
| Unincorporated Williamson County | $1.30 | None | $1.30 | About $1,605 |
| Unincorporated Maury County | $1.369 | None | $1.369 | About $1,690 |
The county rates come from the Williamson County 2026 rate chart and Maury County Resolution 07-26-29. The City's $0.739 rate is the same in both counties. Inside the city you get two bills, one from the county trustee and one from the City of Spring Hill.
The appraised value is the assessor's number, and it can differ from the price you pay. Williamson County last reappraised in 2025, and Maury County reappraised for 2026, when its county rate went from $1.91 to $1.369.
The ZIP won't settle which column you're in, since 37174 covers both counties. My Spring Hill property taxes guide walks through the bill, the property tax calculator runs your number on both sides, and my Williamson vs Maury County guide shows how to check an address.
Property tax figures are the county and city rates published for the year shown and are for planning only. Your actual bill depends on the assessed value, any exemptions and the city or district the home sits in. Confirm with the county assessor or trustee and your tax professional before you rely on a number.
What is the sales tax in Spring Hill, TN?
Sales tax in Spring Hill, TN is 9.75% as of October 2026: 7% state plus 2.75% local, in both Williamson County and Maury County. Groceries are 6.75%, the state's 4% food rate plus the same 2.75% local rate.
On a single item, the local tax applies only to the first $1,600, which caps it at $44. The state adds 2.75% on the part of the price from $1,600.01 to $3,200, per Tennessee Department of Revenue Notice 20-08.
Does Tennessee tax wages in Spring Hill?
No. Tennessee doesn't tax wages, so a paycheck in Williamson County or Maury County carries no state income tax. The state's Hall income tax on interest and dividends was repealed for tax periods beginning January 1, 2021, per the Tennessee Department of Revenue. Talk to a tax professional about your own situation.
How much are water and sewer in Spring Hill, TN?
Inside Spring Hill city limits, water and sewer come to about $131 a month at 5,000 gallons as of October 2026. The address decides who provides the water, and the City's rates run through June 30, 2027. The 5,000 gallons is my example, so ask for the seller's actual bills.
| Who bills it | Base charge | Per 1,000 gallons | At 5,000 gallons |
|---|---|---|---|
| City of Spring Hill water, inside city limits | $20.71 | $6.98 for the first 4,000, $8.72 for the next 6,000, $10.47 above 10,000 | $57.35 |
| City of Spring Hill water, outside city limits | $39.03 | Same as inside | $75.67 |
| HB&TS Utility District water, 5/8-inch meter | $24.00 | $8.00 through 8,000, $10.30 through 20,000, $13.10 above that | $64.00 |
| City of Spring Hill sewer | $25.51 | $9.56, billed on water use | $73.31 |
Charges start at the first gallon, and sewer bills on your water use. At 8,000 gallons, the City water and sewer bill is about $186. The City sells a separate irrigation meter for $3,001.65, and water through it isn't charged the sewer rate.
That same 5,000 gallons cost about $77 on the City's July 2024 rates and about $100 on its July 2025 rates, so the bill is up about 69% in two years. From July 1, 2027, rates rise each year by the greater of 3% or the Consumer Price Index. For comparison, the City of Franklin example in my Franklin cost of living guide is about $101 at 5,000 gallons.
Not every Spring Hill address is on City water. Ordinance 96-27 records a June 11, 1996 agreement that lets the City provide water in a designated part of HB&TS Utility District's territory in southern Williamson County, so a north-end address could fall on either side of that deal. The City's Beechcroft sewer application bills City sewer on usage reported by your water provider. Outside the city in Maury County, ask the seller who provides the water.
A new City account costs $50 to set up, and a new HB&TS account costs $100. The City bills stormwater at $8.00 for most homes, and more on lots with over 10,000 square feet of impervious surface.
Who provides electricity in Spring Hill, TN?
Electricity in Spring Hill, TN comes from Middle Tennessee Electric or Columbia Power & Water Systems, depending on the address. At 1,000 kWh, the two bills land within a dime of each other as of October 2026.
| Utility | Monthly charge | Per kWh, October 2026 | At 1,000 kWh |
|---|---|---|---|
| Middle Tennessee Electric | $21.81 | 8.108 cents plus 2.136 cents TVA fuel | $124.25 |
| Columbia Power & Water Systems | $22.14 | 10.201 cents, fuel included | $124.15 |
Those are the published Middle Tennessee Electric and Columbia Power schedules, and the TVA fuel piece changes monthly. Columbia Power says it serves the cities of Columbia and Spring Hill and other parts of Maury County. The Middle Tennessee Industrial Development Association's profile of the Maury County side of Spring Hill also names Duck River Electric, whose own October 2026 example is $155.14 at 1,365 kWh before other TVA charges.
Natural gas isn't in my total. Ask for 12 months of the seller's gas and electric bills.
How much is trash pickup in Spring Hill, TN?
Trash pickup inside Spring Hill city limits is part of a $24.55 monthly charge on the City bill as of October 2026. Waste Management picks up trash weekly and recycling every other week.
| City of Spring Hill line, July 1, 2026 to June 30, 2027 | A month |
|---|---|
| Trash | $13.91 |
| Recycling | $5.02 |
| City Services (brush and yard waste) | $5.62 |
| Total | $24.55 |
You pay the recycling line even if you skip recycling, an extra cart is $9.42 a month from Waste Management, and a bulky pickup is $25 plus fees. Main Street Maury reported on September 23, 2026 that the City's Waste Management contract ends May 31, 2027, with staff recommending a one-year extension, so this line could move. Outside city limits, ask the seller who hauls the trash and what it costs.
How much are HOA fees in Spring Hill, TN?
HOA fees in Spring Hill, TN depend on the community, and most communities don't publish them. As of October 2026, the dollar figure in print is at Firefly, off Highway 431 in unincorporated Maury County, outside city limits.
Firefly's developer FAQ says property owners association dues are anticipated to start at $3,000 a year and rise annually. Club membership is separate, with a $100,000 initiation fee and $12,000 a year in dues. The HOA and builder pages for Arbor Valley, Wades Grove and Southern Springs don't post a dollar figure.
Dues, transfer fees and what the dues cover are in the governing documents, so ask for them before you write an offer.
What should you check on a Spring Hill address before you write an offer?
Start with the county, because it sets the tax rate and the school district.
- Confirm the county. In Williamson County, the district is Williamson County Schools. In Maury County, it's Maury County Public Schools. Zones change by address.
- Confirm city limits. Inside, you pay the $0.739 city rate and get City trash. Outside, you don't.
- Pull both tax bills, the county's and the City's, and compare them with the numbers above.
- Find out who provides the water, who bills the sewer and which electric utility serves the home.
- Get the HOA dues, the transfer fees and 12 months of utility bills.
My Living in Spring Hill guide covers the commute, the parks and the neighborhoods, and my Spring Hill, TN page has homes for sale. If you're weighing towns, see my cost of living guide for Thompson's Station.
Frequently asked questions about the cost of living in Spring Hill, TN
What is the cost of living in Spring Hill, TN?
For a $493,800 home with 20% down at a 7.29% rate, the Spring Hill, TN cost of living comes to about $3,325 a month on the Williamson County side and about $3,335 on the Maury County side as of October 2026. That covers the loan, property tax, insurance, water, sewer, stormwater, trash and electric. It leaves out HOA dues, natural gas, food and cars.
What is the property tax rate in Spring Hill, TN for 2026?
Inside Spring Hill city limits, the 2026 rate is $2.009 per $100 of assessed value in Williamson County and $2.108 in Maury County. Homes are assessed at 25% of appraised value, so that's about $502 or $527 a year for every $100,000 of appraised value.
Is the Maury County side of Spring Hill cheaper?
On the same home value, the Maury County side costs about $10 a month more in property tax. Home prices are the bigger difference: Realtor.com's September 2026 median listing price was $493,850 across Maury County and $1,155,000 across Williamson County, and neither county figure is Spring Hill alone.
What is the sales tax in Spring Hill, TN?
Sales tax in Spring Hill, TN is 9.75% in both Williamson County and Maury County: 7% state plus 2.75% local. Groceries are 6.75%.
How much is the water bill in Spring Hill, TN?
Inside Spring Hill city limits, water and sewer come to about $131 a month at 5,000 gallons on the City's rates for July 1, 2026 through June 30, 2027. Stormwater adds $8.00 for most homes. Your address decides who provides the water, so confirm it before you budget.
Who provides electricity in Spring Hill, TN?
Middle Tennessee Electric or Columbia Power & Water Systems, depending on the address. At 1,000 kWh, the October 2026 bill is about $124 from either one.
How much is trash pickup in Spring Hill, TN?
Inside Spring Hill city limits, trash, recycling and City Services total $24.55 a month on the City bill, on the rates for July 1, 2026 through June 30, 2027.
Does Tennessee have a state income tax?
Tennessee doesn't tax wages. Its Hall income tax on interest and dividends was repealed for tax periods beginning January 1, 2021. Talk to a tax professional about your own situation.
Rates, APRs, buydowns and builder incentives on this page are published by the builder or lender named, were read on the date shown, and can change or end without notice. They are not an offer of credit from me or eXp Realty, and I am a licensed Realtor (TREC 369038), not a mortgage lender. Confirm the current terms, APR, eligibility and any lender requirement in writing with the builder or lender before you rely on them.
Property tax figures are the county and city rates published for the year shown and are for planning only. Your actual bill depends on the assessed value, any exemptions and the city or district the home sits in. Confirm with the county assessor or trustee and your tax professional before you rely on a number.
Pricing out a move to Spring Hill?
Send me an address and I'll check the county, the tax bill and the water provider, and tell you what each one means for your monthly cost. DM me, text or call 615-392-1186.
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