True Cost of Del Webb Southern Springs

All-In Annual Cost — $700,000 Home, Primary Residence, Williamson/Maury County

Component	Monthly (est.)	Annual (est.)	Notes
HOA	~$200–$260/mo	~$2,400–$3,120/yr	Verify current rate — Del Webb sales office
Williamson County property tax (primary)	~$380–$437/mo	~$4,550–$5,250/yr	Highest county rate in Nashville metro; effective ~0.65–0.75%
Homeowners insurance	~$175–$275/mo	~$2,100–$3,300/yr	Spring Hill inland Tennessee
Utilities	~$200–$300/mo	~$2,400–$3,600/yr	Tennessee Valley Authority rates
State income tax	$0	$0	Tennessee — zero on all income
Total Annual Housing Cost (ex-mortgage)	~$11,450–$15,270/yr

Williamson County has the highest property tax rate in the Nashville 55+ market — but also the highest tax freeze income threshold in Tennessee at $67,460. Buyers who qualify can freeze their bill at the base-year amount, making the long-term cost trajectory more favorable. Buyers above this threshold should factor ongoing tax increases into long-term budget projections.

The Tennessee Advantage: Zero Income Tax + Low Property Tax + Tax Freeze

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.

Del Webb Southern Springs →TN Tax Freeze →TN vs FL vs TX Taxes →

All-In Annual Cost — $700,000 Home, Primary Residence, Williamson/Maury County

The Tennessee Advantage: Zero Income Tax + Low Property Tax + Tax Freeze

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