38232 Property Tax Rate
Hornbeak, Tennessee · Part of Obion County
Effective Tax Rate
0.62%
58.6% below state avgMedian Annual Tax
$499
$42/mo escrow
Estimate Your Tax
Annual Tax
$499
Monthly
$42
Eff. Rate
0.62%
Buyer decision brief
What ZIP 38232 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$42/mo
Based on median annual tax paid
State context
0.07 percentage points above the Tennessee average
Tennessee average: 0.55%
Data confidence
Moderate confidenceThe Census margin of error is $133, about 27% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Obion County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 38232 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Moderate ACS confidence
$133 tax MOE, 27% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County context only
Obion County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 38232
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $81,100, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 0.62%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Tennessee and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $42 per month before insurance, HOA dues, or special assessments.
Assessor verification
Obion County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 38232 Compares
Median Annual Property Tax
ZIP 38232
0.62%
Effective rate
Tennessee Avg
0.55%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Tennessee
Higher than 77% of ZIP codes in Tennessee(77th percentile, 580 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 38232
Property owners in ZIP code 38232 (Hornbeak, Tennessee) pay a median of $499/year in property taxes on homes valued at $81,100. This translates to an effective tax rate of 0.62%, which is 12% above the Tennessee state average of 0.55%.
The monthly property tax burden for a median-valued home in 38232 is approximately $42, which factors into escrow payments on mortgages. This ZIP code is located within Obion County. This is $707 less than the Tennessee average of $1,206/year.
Compared to similar ZIP codes in Tennessee, 38232 has lower property taxes. ZIP codes with similar effective rates include 37892 (0.62%) and 37072 (0.62%).
In Hornbeak, property taxes represent approximately 1.0% of the median household income of $49,438, providing context for the relative tax burden on homeowners in this area.
If you're considering purchasing a home in 38232, keep in mind that property taxes are based on the assessed value assigned by the local assessor, which may differ from the purchase price. In some states, properties are reassessed at or near the sale price upon transfer of ownership. For the most current tax information for a specific property, consult Obion County's tax assessor directly.
Frequently Asked Questions
What is the property tax rate in ZIP code 38232?
How much are property taxes in Hornbeak, TN (38232)?
How does ZIP 38232 compare to the Tennessee average?
What is the median home value in ZIP 38232?
What county is ZIP code 38232 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$133. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 38232 is part of Obion County, Tennessee. View the full county profile for broader context and more data.
View Obion County on TaxByCounty →Why compare these ZIPs?
Better comparison set for ZIP 38232
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
38253
Rives, TN
0.25 percentage points lower than ZIP 38232.
Rate
0.36%
Tax
$695
Quality
77
38257
South Fulton, TN
0.08 percentage points lower than ZIP 38232.
Rate
0.53%
Tax
$622
Quality
82
38261
Union City, TN
0.04 percentage points lower than ZIP 38232.
Rate
0.57%
Tax
$815
Quality
82
38240
Obion, TN
0.04 percentage points lower than ZIP 38232.
Rate
0.58%
Tax
$570
Quality
82
38260
Troy, TN
0.02 percentage points lower than ZIP 38232.
Rate
0.59%
Tax
$693
Quality
82
37215
Nashville, TN
$878,000 higher median home value than ZIP 38232.
Rate
0.63%
Tax
$6,054
Quality
94
37212
Nashville, TN
$847,400 higher median home value than ZIP 38232.
Rate
0.70%
Tax
$6,472
Quality
94
37205
Nashville, TN
$808,900 higher median home value than ZIP 38232.
Rate
0.63%
Tax
$5,643
Quality
94
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.