The story of this market
The typical home in Hamilton County, Tennessee sells for about $385,000, or $199 per square foot.
Prices are down 2.3% from a year ago, which gives buyers more room to negotiate. Homes take about 56 days to sell. Over the long run, values in this county have grown 199% since 2000. Last year 49 of 75 neighborhoods saw prices rise, so the story isn't the same street to street. HUD's fair market rent for a two-bedroom is $1,340 a month.
HUD sets the fair market rent for a 2-bedroom at $1,340 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Low.
Price climate
Every year of price change, 2000–2025
+1.4%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+20.7%). Worst: 2009 (-2%). Hover to read a year.
Monthly price momentum
Home values since 2015
-0.4%
TN · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,657
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+1.4%
2025 change
FHFA repeat-sales index, median of 75 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
53
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $140,102,497.
Mortgage activity
Home lending in this county
74.2%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 19263 | 9854 | 74.2% | 12.9% | $195,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Hamilton County, Tennessee
The Hamilton County housing market has transitioned toward a balanced, buyer-friendly posture with inventory rising to around 3,790 active listings and median days on market stretching to 56 days. The median sales price sits near $385,000, registering a slight 2.3% year-over-year retreat as higher mortgage rates normalize transaction velocity. Homes are trading around 97.7% of listing price, giving prospective buyers increased negotiating leverage and time to evaluate purchases.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 10 cities · 22 ZIP reports
Median prices moved down 3.4% year over year.
Homes spend a median of 45 days on market with 0.3 months of supply — a fast-moving market.
2% of listings have cut prices · homes sell at 98.39% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.4% · poverty 12.1% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
Owned and leased federal assets with active or excess status, per the General Services Administration's Real Estate Across the United States inventory (read 2026-09-25). A federal footprint read on this county — not a market valuation, and never an attribute of any individual property or tenant.
Deterministic aggregate of 22 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Hamilton County, Tennessee — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 9.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Each property observation weighs one in its ZIP's deterministic roll-up — property-level records (taxes, scores, permits) never roll individually. Latest property research run Sep 20, 2026.
researched Sep 21
researched Sep 17
researched Sep 21
researched Sep 17
researched Sep 17
researched Sep 17
researched Sep 19
researched Sep 20
researched Sep 21
researched Sep 21
| 37302 | Apison | $178,000 | $122 | -5.8% | 38 | 97.4% | 24% | — | 2,913 | $879 | researched Sep 21 |
| 37315 | Collegedale | $386,000 | $197 | +2.9% | 104 | — | — | — | 44 | $1,820 | researched Sep 17 |
| 37343 | Hixson | $378,000 | $191 | -1.7% | 22 | 98.5% | 0.8% | 2.3 | 245 | $1,358 | researched Sep 21 |
| 37350 | Lookout Mountain | $761,600 | $255 | +4.2% | 65 | 97.5% | 15% | 4.5 | 12 | $1,428 | researched Sep 17 |
| 37351 | Lupton City | $369,000 | $208 | +5.4% | 35 | 99% | — | — | 1,840 | $1,205 | researched Sep 17 |
| 37363 | Collegedale | $480,000 | $209 | -5.6% | 39 | 98% | — | — | 489 | $1,630 | researched Sep 17 |
| 37377 | Signal Mountain | $765,000 | $232 | 0% | 56 | 100% | 24% | 3.3 | 124 | $1,614 | researched Sep 19 |
| 37379 | Soddy-Daisy | $414,906 | $208 | +4.2% | 35 | 96% | 24.3% | 3.3 | 1,602 | $1,004 | researched Sep 20 |
| 37402 | Chattanooga | $375,000 | $213 | -5% | 53 | 98% | 24% | 3.5 | 2,200 | $615 | researched Sep 21 |
| 37403 | Chattanooga | $393,000 | $213 | -3.6% | 59 | 98.5% | 24% | 3.5 | 2,913 | $1,443 | researched Sep 21 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Crime rates in Hamilton County show a split pattern where urban Chattanooga logs property and violent crime rates above state benchmarks, while suburban and outlying communities such as Signal Mountain, Lookout Mountain, and Ooltewah record substantially lower incidence rates.
Hamilton County is served primarily by the unified Hamilton County School District (HCS), which exhibits significant divergence ranging from top-tier academic institutions like CSLA, McConnell, and Signal Mountain High to lower-scoring urban core campuses.
First Street Foundation identifies severe flood vulnerability countywide with roughly 31% of parcels at risk along the Tennessee River watershed, accompanied by moderate wildfire risk on ridgelines and typical mid-South tornado and windstorm exposures.
Economic expansion is anchored by advanced manufacturing, logistics, and tech innovation, including Volkswagen's North American EV facility, Amazon logistics hubs, and robust health system footprints across Chattanooga.
Tennessee levies no individual personal earned income tax. Hamilton County residential property is assessed at a statutory 25% assessment ratio of fair market value, subject to county general levies and overlapping municipal rates where applicable, with state tax relief programs available for elderly and disabled residents.
Hamilton County maintains a balanced to softening rental market with steady multifamily deliveries near downtown Chattanooga and along Highway 153/I-75 corridors absorbing influx from regional in-migration.
Hamilton County functions as Southeast Tennessee's primary economic engine, propelled by advanced automotive manufacturing, global freight logistics, specialized healthcare systems, and the municipal fiber-optic gigabit network operated by EPB.
The county is traversed by Interstate 24 and Interstate 75 meeting at the vital split junction, with U.S. 27 and Highway 153 providing high-capacity commuter arteries across the river; CARTA operates fixed-route bus and electric shuttle services in urban Chattanooga.
Long-range growth planning emphasizes urban brownfield repurposing along the riverfront corridor, transit-supportive infill, and managing low-density single-family expansion across East Brainerd and Ooltewah.
The Hamilton County Assessor of Property values all taxable real property at 100% of fair market value on a statutory multi-year reappraisal cycle, applying Tennessee's 25% assessment ratio for residential property.
Parcels are subject to countywide government taxation, overlapping municipal levies where incorporated, and specific utility or special service districts such as the East Bank/Broad redevelopment allocation areas.
Property insurance conditions remain largely stable compared to coastal states, though localized flood insurance requirements along the river basin and ridge wind/hail coverage have experienced moderate premium inflation.
- Lake Winnepesaukah Amusement Park4.114 mi
- Creative Discovery Museum4.712 mi
- Dave & Buster’s Chattanooga4.48.9 mi
- Spare Time Chattanooga4.411.2 mi
- Urban Air Trampoline and Adventure Park4.39 mi
- Chattanooga Convention Center4.612.5 mi
- Feed Table and Tavern4.612.6 mi
- Soldiers and Sailors Memorial Auditorium4.611.9 mi
- Golden Corral Buffet & Grill4.415.6 mi
- Topgolf Chattanooga4.312 mi
- Tennessee Aquarium4.711.8 mi
- Chattanooga Zoo4.411.2 mi
- Ruby Falls4.614.6 mi
- Lookout Mountain Incline Railway4.414.7 mi
- Coolidge Park4.711.4 mi
- Tennessee Valley Railroad Museum4.87.3 mi
- Ruby Falls4.614.6 mi
- Creative Discovery Museum4.712 mi
- Chattanooga Choo Choo Historic District4.412.4 mi
- Hunter Museum of American Art4.711.6 mi
- Rock City Gardens4.717.4 mi
- Little Debbie Park4.88.5 mi
- Ruby Falls4.614.6 mi
- Coolidge Park4.711.4 mi
- Harrison Bay State Park4.61.7 mi
- Harbor Lights Marina4.43.8 mi
- Island Cove Marina & Resort4.52.3 mi
- Lakeshore Marina4.25.3 mi
- Island Cove Marina4.52.3 mi
- Chickamauga Marina4.66.1 mi
- Topgolf Chattanooga4.312 mi
- Bear Trace at Harrison Bay (TN Golf Trail)4.63.3 mi
- Moccasin Bend Golf Course413.3 mi
- Brown Acres Golf Course3.710.8 mi
- Chattanooga Golf and Country Club4.59.9 mi
- Hamilton Place4.38.8 mi
- Publix Super Market on North Market Street4.611.3 mi
- Publix Super Market at Village at Waterside4.78.2 mi
- Northgate Mall45.6 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
A premier downtown anchor featuring freshwater and marine habitats that serves as the centerpiece of Chattanooga's renowned riverfront promenade.
Iconic regional destination encompassing Rock City Gardens, Ruby Falls subterranean waterfall, and the historic Incline Railway offering scenic panoramic views.
A scenic 13-mile paved multi-use trail network hugging the Tennessee River from Chickamauga Dam into downtown Chattanooga.
Major TVA reservoir offering premier bass fishing, public boat ramps, marinas, camping, and watersports access across the central and northern county.
Retrieved from U.S. Census Bureau QuickFacts Hamilton County TN and ACS county profile data tables.