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Talk to a Specialist →| Component | Monthly (est.) | Annual (est.) | Notes |
|---|---|---|---|
| HOA (55+ section) | ~$150–$210/mo | ~$1,800–$2,520/yr | Verify with community management — master plan and 55+ section may differ |
| Sumner County property tax (primary) | ~$206–$244/mo | ~$2,475–$2,925/yr | Effective ~0.55–0.65% |
| Homeowners insurance | ~$130–$215/mo | ~$1,560–$2,580/yr | Hendersonville inland Tennessee |
| Utilities | ~$200–$300/mo | ~$2,400–$3,600/yr | TVA rates |
| State income tax | $0 | $0 | Tennessee — zero |
| Total Annual Housing Cost (ex-mortgage) | ~$8,235–$11,625/yr | ||
We connect buyers with agents who know this market from the inside — real cost math, honest comparisons, and what's actually happening right now. Every agent is personally vetted by the Nova55Living founder. No scripts, no pressure.
Tennessee eliminated its Hall Tax in 2021 — zero state income tax on all income. Combined with property tax rates well below the national average and a county-level tax freeze for 65+ homeowners, the total annual tax burden for Nashville retirees is among the lowest of any major metro we cover. Compare to: Florida has zero income tax but adds CDD fees and higher insurance. Texas has zero income tax but property tax effective rates of 2–2.5%. New Jersey has income tax plus property taxes of 1.5–2.8%. Tennessee wins on the combined total in most scenarios.
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