CountyScore

Montgomery County

Tennessee · TN

#92 in Tennessee
63.2
County Score

County Report Card

About Montgomery County, Tennessee

Montgomery County above national median

Montgomery County's composite score of 68.2 exceeds the national median of 50.0 by 18.2 points, placing it solidly in the upper half of U.S. counties. This solid ranking reflects moderate strengths in tax efficiency and income levels.

Below Tennessee average

Montgomery County's 68.2 score trails Tennessee's 76.3 state average by 8.1 points, placing it below the state's typical performance. This gap indicates that Montgomery County underperforms compared to most other Tennessee counties.

Solid income and reasonable taxes

Montgomery County offers the second-highest median household income in this group at $72,365 with a respectable tax score of 83.3. This income strength provides resources for residents to weather higher-than-peer housing costs.

Higher housing costs strain affordability

The county's cost score of 66.3 is the lowest in this group, with median home values at $248,300 and rents at $1,219 monthly—the highest across these counties. This affordability challenge narrows the county's competitive advantage despite stronger income levels.

Best for higher-earning professionals

Montgomery County suits dual-income professionals and established families with strong earnings who prioritize income and tax efficiency over housing affordability. The higher wages offset elevated housing costs, making it appealing to those seeking professional opportunities without extreme cost-of-living burdens.

Score breakdown

5 dimensions have live data. 3 more coming as vertical sites launch.

Tax83.3Cost66.3SafetyComing SoonHealth66.7SchoolsComing SoonIncome30.6Risk12.6WaterComing Soon
🏛83.3
Property Tax
Effective property tax rate vs national benchmarks
TaxByCounty →
🏠66.3
Cost of Living
Median rent, home values, and housing affordability
CostByCounty →
💼30.6
Income & Jobs
Median household income and per capita earnings
IncomeByCounty →
🛡Coming Soon
Safety
Violent and property crime rates per 100K residents
❤66.7
Health
Life expectancy, uninsured rates, and health access
HealthByCounty →
🎓Coming Soon
Schools
Graduation rates, per-pupil spending, and attainment
⚡12.6
Disaster Risk
FEMA National Risk Index — flood, fire, tornado, and more
RiskByCounty →
💧Coming Soon
Water Quality
EPA drinking water health violations and safety grades

Explore this county

Property Taxtaxbycounty.comCost of Livingcostbycounty.comIncomeincomebycounty.com
Compare Montgomery County with another county →

Counties with similar scores

Floyd County
Georgia
63.2
Median income: $62,540
Henry County
Illinois
63.2
Median income: $69,912
Barton County
Kansas
63.2
Median income: $56,733
Fayette County
Kentucky
63.2
Median income: $67,631
Nantucket County
Massachusetts
63.2
Median income: $119,750

Deep Dives

Montgomery County across the ByCounty Network

Detailed analysis from 5 data dimensions — each powered by a dedicated ByCounty site.

Property Tax in Montgomery County

via TaxByCounty

Montgomery County taxes still below national average

Montgomery County's 0.673% effective tax rate is 30% below the national median of 0.96%, placing it in the bottom third of U.S. counties. The $1,671 median tax is still 38% lower than the national median of $2,690.

Highest-taxed county in Tennessee's sample

Montgomery County's 0.673% rate is 32% higher than Tennessee's 0.511% state average, making it the highest-taxed county in this region. The $1,671 median tax is 64% above the state median of $1,016.

Highest taxes in the regional cohort

Montgomery County's 0.673% effective rate is the highest among all regional peers, significantly exceeding Marshall County (0.542%) and Moore County (0.483%). Its $1,671 median tax is the highest dollar amount among all neighboring counties.

Median home costs about $1,671 yearly

On a typical Montgomery County home worth $248,300, you'll pay approximately $1,671 in annual property taxes. That's roughly $139 per month—the highest burden in this regional group.

Challenge your assessment to reduce taxes

Montgomery County's higher tax burden makes assessment accuracy especially important—overvaluation can significantly inflate your bill. A free appeal is worth pursuing to ensure you're only paying on your home's true market value.

Full property tax analysis on TaxByCounty

Cost of Living in Montgomery County

via CostByCounty

Montgomery renters stretch furthest in region

Montgomery County renters spend 20.2% of their income on housing—the highest ratio in this eight-county cluster and well above the national average. Despite a median household income of $72,365 near the national average, aggressive housing demand drives costs upward.

Montgomery ranks among Tennessee's priciest counties

Montgomery County's 20.2% rent-to-income ratio significantly exceeds Tennessee's state average of 17.6%, placing it among the state's least affordable counties. The median rent of $1,219 is 42% above the state median, driven by Clarksville's regional growth and military presence.

Most expensive rents and ownership costs regionally

Montgomery's $1,219 median rent tops every county in this comparison, with ownership costs of $1,304 monthly the highest as well. The median home value of $248,300 reflects strong appreciation tied to Fort Campbell's proximity and regional development.

Highest housing costs consume largest income share

Renters pay $1,219 and owners $1,304 monthly from a median household income of $72,365, combining for roughly 35% of household income. This split shows Montgomery's housing market running hotter than any regional peer, with both renters and owners paying premium prices.

Montgomery suits those with higher incomes and growth plans

Montgomery County's elevated housing costs reflect its appeal as a growing regional hub near Fort Campbell and Clarksville. If you prioritize affordability, compare lower-cost alternatives like Monroe, McMinn, or Marshall counties; if growth matters more than price, Montgomery delivers.

Full cost of living analysis on CostByCounty

Income & Jobs in Montgomery County

via IncomeByCounty

Montgomery County approaches the national income median

Montgomery County's median household income of $72,365 falls just $2,390 short of the national median of $74,755, positioning it in the solid middle-income category. Per capita income of $33,645 exceeds the state average of $31,458 by 7%, indicating above-average earning power across the community.

Top earner among Tennessee sample counties

Montgomery County earns $13,371 more per household than the Tennessee state average of $58,994, ranking it among the state's highest-income communities. This 23% advantage reflects strong employment opportunities and a skilled workforce base.

Second-strongest income in the region

Montgomery County's $72,365 income trails only Maury County ($74,162) in the region and outpaces Marshall County ($70,829) slightly. The county is part of a cluster of four high-income communities (Maury, Marshall, Montgomery) separated from lower-income counties by $15,000+ in median income.

Housing costs stretch budgets here

Montgomery County's rent-to-income ratio of 20.2% puts housing costs at the higher end of the acceptable range, signaling budget pressure for median-income households. A median home value of $248,300 requires substantial savings or dual incomes to achieve homeownership at the county median.

Optimize homeownership and investment timing

Montgomery County's strong incomes paired with elevated housing costs create urgency around homeownership timing and investment strategy. Lock in current property values through strategic home purchases, maximize retirement contributions, and consider diversified investments to protect gains as housing costs potentially rise.

Full income & jobs analysis on IncomeByCounty

Health in Montgomery County

via HealthByCounty

Montgomery County Exceeds National Health

Montgomery County residents live to 74 years, 1.2 years longer than the U.S. average of 72.8 years, reflecting above-average longevity. At 19.8% reporting poor or fair health—below the national 21% average—the county shows strong preventive care outcomes and manageable chronic disease burden.

Top-Tier Health Performance in Tennessee

Montgomery County's 74-year life expectancy ranks among Tennessee's best, exceeding the state average of 72.4 years by 1.6 years. The 9.4% uninsured rate leads the state's 11.9% average, giving residents the strongest insurance coverage outside top-performing counties.

Among Region's Health Leaders

Montgomery County's 74 years ranks second only to Maury County (75.1) among its peers, beating Marshall (73.6), McMinn (71.3), and all others. With 40 primary care and 235 mental health providers per 100,000, Montgomery offers robust infrastructure for both physical and psychiatric care.

Strong Provider Access Enables Care

Montgomery County's 40 primary care providers per 100,000 residents ensure most residents can access routine care without excessive waits. The exceptional 235 mental health providers per 100K—among the nation's highest—makes psychiatric and behavioral health support readily available to all residents.

Maintain Your Coverage Advantage

With Montgomery County's strong health infrastructure and 9.4% uninsured rate, most residents have coverage—but those without should act immediately. Visit healthcare.gov to ensure continuous access to the county's excellent provider network.

Full health analysis on HealthByCounty

Disaster Risk in Montgomery County

via RiskByCounty

Montgomery County Tennessee's riskiest county

Montgomery County's composite risk score of 87.37 far exceeds Tennessee's state average of 52.45, marking it as the state's most hazard-exposed county. This exceptional elevation reflects a dangerous convergence of earthquake, tornado, and flood vulnerabilities.

Highest-risk county in Tennessee

Montgomery County ranks as Tennessee's single most at-risk county for natural disasters, with a composite score that dwarfs nearly all state peers. Its "Relatively Moderate" rating reflects compounded exposures that dwarf most American counties.

Dramatically riskier than surrounding areas

Montgomery County (87.37) vastly exceeds the risk profiles of Maury County (79.29), McMinn County (60.24), and all other neighboring counties. Its hazard concentration stands out as exceptional within Tennessee's regional landscape.

Earthquakes, tornadoes, and floods dominate

Montgomery County faces earthquake risk at 95.32 (the highest in the state), tornado risk at 91.89, and flood risk at 84.48—a triple threat. This convergence of major hazards creates the most serious disaster exposure in Tennessee.

Multi-hazard insurance is absolutely essential

Montgomery County residents must carry earthquake insurance, NFIP flood insurance, and enhanced wind/tornado coverage—these are not optional but necessary protections. Consider structural improvements like storm shelters, foundation anchoring, and elevated utilities in light of the county's exceptional hazard profile.

Full disaster risk analysis on RiskByCounty

ByCounty Network

🏛Property Tax🏠Cost of Living💼Income & Jobs🛡Safety❤Health🎓Schools⚡Disaster Risk💧Water Quality

Data from U.S. Census Bureau ACS, FBI UCR, CDC, FEMA NRI, NCES, EPA SDWIS — informational only.