If you are comparing homes near Fort Campbell, property taxes can make a noticeable difference in your monthly housing budget. Clarksville, Tennessee, and Oak Grove, Kentucky, are only a short distance apart, but they use different assessment systems and tax structures.
As of September 2026, a typical residential property in Clarksville city limits is taxed using Tennessee’s 25% residential assessment ratio. Oak Grove properties are generally assessed at their full taxable value, with separate state, county, school, special-district, and city taxes added together.
Here is how the comparison works using currently available 2026 rates.
Clarksville, TN property taxes in 2026
According to the Montgomery County Assessor of Property, Tennessee calculates residential property taxes using four components:
- The property’s appraised value
- The residential assessment ratio
- The assessed value
- The applicable county and city tax rates
For residential property, Tennessee’s assessment ratio is 25% of the appraised value.
The 2026 rates for property in Clarksville city limits are:
| Taxing authority | 2026 rate per $100 of assessed value |
|---|---|
| Montgomery County | $2.10 |
| City of Clarksville | $1.01 |
| Combined rate | $3.11 |
The $3.11 rate does not apply directly to the home’s full market value. First, the home’s appraised value is multiplied by 25%.
Clarksville tax example on a $300,000 home
Assuming a residential property is appraised at $300,000:
- Appraised value: $300,000
- Residential assessment ratio: 25%
- Assessed value: $75,000
- Combined tax rate: $3.11 per $100
Calculation:
$75,000 ÷ $100 × $3.11 = $2,332.50 per year
That equals an effective tax rate of approximately 0.78% of the home’s appraised value, before exemptions or other adjustments.
The county portion alone would be approximately $1,575 per year, while the city portion would be approximately $757.50.
If you are buying outside Clarksville city limits but still within Montgomery County, you may not pay the city portion. In that case, the estimated county tax on a $300,000 residential property would be:
$75,000 ÷ $100 × $2.10 = $1,575 per year
Your exact bill can vary based on the assessor’s valuation, exemptions, changes in local rates, and whether the home is inside the city limits.
Oak Grove, KY property taxes in 2026
Oak Grove property taxes work differently from Clarksville taxes. Kentucky generally assesses real property at its full taxable value rather than applying Tennessee’s 25% residential assessment ratio.
A home in Oak Grove may be subject to taxes from:
- The Commonwealth of Kentucky
- Christian County
- Christian County Public Schools
- The public health district
- Agricultural extension district
- Soil conservation district
- City of Oak Grove
- Other applicable local levies
The currently available 2026 rates for several of these taxing authorities are:
| Taxing authority | 2026 rate per $100 of assessed value |
|---|---|
| Kentucky state real property | $0.103 |
| Christian County | $0.167 |
| Christian County Public Schools | $0.400 |
| Public health district | $0.032 |
| Agricultural extension district | $0.023 |
| Soil conservation district | $0.004 |
| Subtotal before Oak Grove city tax | $0.729 |
For the City of Oak Grove, public information available in September 2026 showed a proposed real-property rate of approximately $0.202 per $100. However, the final city ordinance should be confirmed before you rely on that number for a purchase decision.
Using that proposed rate, the estimated combined rate would be:
$0.729 + $0.202 = $0.931 per $100 of assessed value
Oak Grove tax example on a $300,000 home
Assuming the property has a taxable value of $300,000:
- Assessed value: $300,000
- Estimated combined rate: $0.931 per $100
Calculation:
$300,000 ÷ $100 × $0.931 = $2,793 per year
This is a planning estimate, not a guaranteed final tax bill. It assumes the proposed Oak Grove city rate is adopted and does not include any additional levy that may apply or any qualifying exemption.
Some prior Oak Grove tax-rate documents have listed a separate community-center levy. If a similar levy applies in 2026, the final bill could be higher than the estimate above.
For the most current state-level information, review the Kentucky Department of Revenue property tax resources. You should also confirm the complete tax district and current rate with the Christian County Property Valuation Administrator or the City of Oak Grove before closing.
Clarksville vs. Oak Grove: estimated comparison
Using the same $300,000 residential property value, the comparison looks like this:
| Location | Assessment method | Estimated annual property tax |
|---|---|---|
| Clarksville city limits | 25% of appraised value | $2,332.50 |
| Oak Grove, using available 2026 planning rates | Approximately 100% of taxable value | $2,793 |
| Estimated difference | $460.50 more in Oak Grove |
Based on these assumptions, Oak Grove’s estimated property taxes would be approximately $38 more per month than Clarksville’s:
- Clarksville: about $194 per month
- Oak Grove: about $233 per month
- Estimated difference: about $38 per month
This comparison is useful for budgeting, but it should not be treated as a final tax quote. The homes may have different assessments, school districts, exemptions, insurance costs, or city levies.
Why can Oak Grove have a higher tax bill despite a lower tax rate?
The most important point is that the rates are applied to different tax bases.
In Clarksville, a $300,000 home is assessed at $75,000 for tax purposes because Tennessee uses a 25% residential assessment ratio.
In Oak Grove, a $300,000 home may be assessed at approximately $300,000. Even though the combined Kentucky rate is stated in cents per $100 and may look lower than Tennessee’s $3.11 rate, it is applied to a much larger assessed value.
This is why you should compare the effective tax bill, not just the advertised rate.
When reviewing a property, ask for:
- The most recent tax bill
- The property’s current assessed value
- The complete tax district
- City, county, and school taxes
- Any special-district levies
- Available exemptions
- Whether the current assessment may change after purchase
Do exemptions change the comparison?
Yes. Qualifying exemptions can reduce your tax liability.
In Tennessee, certain programs may be available for qualifying homeowners, including senior and disability-related relief. The Montgomery County Assessor can explain current eligibility requirements.
Kentucky also provides a homestead exemption for qualifying homeowners, including certain individuals who are at least 65 years old or totally disabled. The exemption amount and eligibility requirements can change, so confirm the current rules with the Kentucky Department of Revenue or Christian County officials.
Do not assume that a previous owner’s tax bill will be your tax bill. A change in ownership, reassessment, exemption status, or local levy may affect the amount due.
Which location is better for your budget?
The answer depends on more than property taxes.
Clarksville may appeal to buyers who want:
- A broader range of neighborhoods and home styles
- Access to Tennessee employment and services
- A lower effective residential property-tax burden in many cases
- Proximity to Fort Campbell through several routes
- More options in areas such as Sango, Rossview, St. Bethlehem, and Tiny Town
Oak Grove may appeal to buyers who prioritize:
- A Kentucky address
- Close access to Fort Campbell’s Kentucky-side gates
- A strong military community
- Potentially different home prices or neighborhood choices
- A shorter commute from some properties and duty locations
Before choosing, compare the complete monthly cost of ownership, including:
- Mortgage principal and interest
- Property taxes
- Homeowners insurance
- Flood or supplemental insurance, if applicable
- Utilities
- Maintenance
- Commuting and fuel
- Homeowners association dues
- Future resale considerations
A lower purchase price does not always result in a lower monthly payment if property taxes, insurance, or commuting costs are higher.
What should Fort Campbell buyers do next?
If you are PCSing to Fort Campbell, start by comparing the exact property rather than relying on a citywide estimate. Tax rates can differ based on city limits, school districts, special districts, and the property’s assessed value.
Haus’s Fort Campbell relocation guide and PCS housing timeline for Clarksville and Oak Grove can help you organize the broader decision, including commute, schools, renting, buying, and VA-loan considerations.
Our team can help you compare specific homes in Clarksville, Oak Grove, Hopkinsville, and nearby communities. Before making an offer, request the current tax bill and have your lender include the most accurate tax estimate in your monthly payment calculation.
Contact Haus Realty & Management to discuss your Fort Campbell-area housing plans.
Frequently asked questions
Are property taxes cheaper in Clarksville or Oak Grove?
Using currently available 2026 rates and a $300,000 example, Clarksville city limits produces an estimated annual tax bill of approximately $2,332.50. Oak Grove’s estimated bill is approximately $2,793 before any additional levy or exemption. The final result depends on the property’s assessed value and exact tax district.
What is the 2026 Clarksville property tax rate?
The 2026 combined rate for property inside Clarksville city limits is $3.11 per $100 of assessed value: $2.10 for Montgomery County and $1.01 for the City of Clarksville.
What is the residential assessment ratio in Tennessee?
Residential property in Tennessee is assessed at 25% of its appraised value for property-tax purposes.
Is Oak Grove’s 2026 city tax rate final?
The available September 2026 information identified a proposed Oak Grove real-property rate of $0.202 per $100. Confirm the final adopted rate with the City of Oak Grove, Christian County PVA, or the applicable Kentucky tax-rate book.
Should I compare property taxes before making an offer?
Yes. Ask for the current tax bill and verify the complete tax district before finalizing your housing budget. Your lender should also use the most accurate available tax information when calculating your estimated monthly payment.
