  We compute the tidal disruption event (TDE) rate around local massive black
holes (MBHs) with masses as low as $2.5\times10^4 {\rm M}_\odot$, thus probing
the dwarf regime for the first time. We select a sample of 37 galaxies for
which we have the surface stellar density profile, a dynamical estimate of the
mass of the MBH, and 6 of which, including our Milky Way, have a resolved
nuclear star cluster (NSC). For the Milky Way, we find a total TDE rate of
$\sim 10^{-4}{\rm yr}^{-1}$ when taking the NSC in account, and $\sim 10^{-7}
{\rm yr}^{-1}$ otherwise. TDEs are mainly sourced from the NSC for light
($<3\times 10^{10}{\rm M}_\odot$) galaxies, with a rate of few $10^{-5}{\rm
yr}^{-1}$, and an enhancement of up to 2 orders of magnitude compared to
non-nucleated galaxies. We create a mock population of galaxies using different
sets of scaling relations to explore trends with galaxy mass, taking into
account the nucleated fraction of galaxies. Overall, we find a rate of few
$10^{-5}{\rm yr}^{-1}$ which drops when galaxies are more massive than
$10^{11}{\rm M}_\odot$ and contain MBHs swallowing stars whole and resulting in
no observable TDE.
