Buying a Home in Spring Hill, TN: Prices, Property Taxes and Two Counties

Buying in Spring Hill: The Local Numbers

Prices, property taxes on both sides of the county line, the loans that fit and cash to close, each with its source.

What Homes Sell for in Spring Hill

From March to September 2026, the median sale price of a single-family home in the 37174 ZIP code ran from about $515,000 to $600,000 a month, with most months between about $535,000 and $560,000 (RealTracs, closed sales). The average runs higher because a few large sales pull it up, so the median is the better guide. Counting all home types, Spring Hill’s median was $508,000 for the three months ending August 2026, down 4.1% from a year earlier (Redfin).

Spring Hill Property Taxes in 2026

Spring Hill sits in two counties, Williamson and Maury, and a Spring Hill mailing address can also be outside city limits. That makes four possible tax rates. The city’s own rate, $0.739, is the same on both sides of the county line; the county rate isn’t (City of Spring Hill). Tennessee assesses a home at 25% of its appraised value and taxes each $100 of that assessed value (Tennessee Comptroller). A $550,000 home is assessed at $137,500:

Where the home is	2026 rate per $100 of assessed value	Yearly tax on a $550,000 home
Inside the City of Spring Hill, Williamson County	$2.0090	About $2,762
Inside the City of Spring Hill, Maury County	$2.1080	About $2,899
Outside city limits, Williamson County	$1.3000	About $1,788
Outside city limits, Maury County	$1.3690	About $1,882

Williamson County rates from the county’s 2026 tax rates; inside Spring Hill, the county’s share is $1.27 rather than its usual $1.30. Maury County’s 2026 rate is from the Tennessee Comptroller’s tax rate data. Each county taxes its own appraised value, which can differ from your price. My mortgage calculator has both sides of Spring Hill built in.

Two Tax Bills Inside the City

A home inside Spring Hill gets two property tax bills: one from the county trustee and one from the city, which collects its own tax separately (City of Spring Hill). County taxes come due in October, and interest of 1.5% a month is added from March 1 (UT CTAS). The city adds the same 1.5% a month after the end of February (City of Spring Hill). If your taxes are escrowed, I make sure the escrow covers both bills. Tennessee taxes are paid in arrears, so at closing the seller usually credits you their share of the current year.

How to Tell Which Rate Applies

A Spring Hill address doesn’t tell you the county or whether a home is inside city limits. The home’s tax records do: the county record shows which county it’s in, and a city tax bill means it’s inside the city. The listing agent can usually pull both. Maury County reappraised in 2026, so on the Maury side last year’s bill won’t match this year’s; go by the 2026 bill. I check this for any home you’re serious about, before you write an offer.

The Loan Limit and the Loans That Fit

For a one-unit home, the 2026 limit is $1,029,250 for conforming loans (FHFA) and FHA loans (HUD), in both Williamson and Maury counties. Spring Hill prices sit well below it, so most purchases here are conventional, FHA or VA loans. Buying your first home? See first-time home buyers in Tennessee.

New Construction and Builder Incentives

Builders in Spring Hill often offer incentives for using their lender. I price that offer against more than 30 lenders, so you can compare the full cost of each loan, not just the incentive, before you choose.

Cash to Close

Tennessee’s transfer and mortgage taxes, title insurance, recording fees and prepaid taxes and insurance make up most of what you bring to closing beyond the down payment. See what it costs to close on a home in Franklin; the costs work the same way in Spring Hill.

From a Recent Spring Hill File

A buyer’s agent referred a client to me in July 2025. They applied on a Friday, and their pre-approval went out the same day. They closed on Tuesday, September 9, their scheduled closing date. I’ve never missed a closing date.

Also Looking in Franklin or Brentwood?

Prices run higher in both, and each has its own tax lines. See buying a home in Franklin and buying a home in Brentwood. Just north, Thompson’s Station has a lower tax rate and one tax bill. See buying a home in Thompson’s Station. Comparing more cities? See buying a home in Middle Tennessee.