Cleveland, Bradley County, Tennessee Property Taxes
Property Taxes in Cleveland, Tennessee
Median Cleveland, Tennessee effective property tax rate: 0.44%, significantly lower than the national median of 1.02%, and lower than the Tennessee state median of 0.54%.
Median Cleveland, Tennessee home value: $159,600
Median annual Cleveland, Tennessee tax bill: $641, lower than the national median property tax bill of $2,400.
How are property taxes in Bradley calculated?
Property taxes in Cleveland, Tennessee are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding Cleveland's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Cleveland, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Cleveland, Bradley County, Tennessee Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.44%
Estimate Property Tax Bill
$702
$652
How Does the Cleveland Property Tax Calculator Work?
Use this Cleveland property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Cleveland's median effective tax rate of 0.44% — based on actual property records in Bradley County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Cleveland's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Cleveland: rates range from $429.00 in 37311 to $799.00 in 37312, primarily due to differences in school district levies and local assessment districts. Cleveland's median effective tax rate is lower than Tennessee's 0.54% median, and the median tax bill of $641 is far below the national median property tax bill of $2,400.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Cleveland.
About Cleveland Property Taxes
About Property Taxes in Cleveland, Bradley, Tennessee
Cleveland’s median effective property tax rate of 0.44% is lower than the Tennessee state median of 0.54% and lower than the national median of 1.02%. This rate reflects the Bradley County base levy combined with local school district levies and special assessment districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Cleveland. Homeowners in ZIP code 37323 carry a median effective rate of 0.44%, while those in 37323 pay 0.44%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Bradley County. Understanding which part of Cleveland you live in can make a meaningful difference to your annual tax bill.
Cleveland homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before the May 31, 2026 deadline each year.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Cleveland, Bradley County, Tennessee
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Cleveland's effective property tax rate to other cities in Tennessee and the median property tax rates in Tennessee and the U.S.
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Cleveland Tax Rate
0.44%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Bradley County Tax Rate
0.44%
Median Effective Tennessee Tax Rate
0.54%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Cleveland, Bradley County, Tennessee
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 37311 | 0.36% | 0.36% | 0.36% | 0.44% | 0.45% |
| 37312 | 0.36% | 0.36% | 0.36% | 0.44% | 0.44% |
| 37323 | 0.36% | 0.44% | 0.44% | 0.45% | 0.45% |
Source: Ownwell
Property Tax Assessment Values Across Cleveland, Bradley County, Tennessee
When examining property taxes in Cleveland, Tennessee, understanding the distinction between market value and assessed value is crucial.
The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Bradley County appraisal district estimates the market value for tax purposes.
The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices:
In Bradley County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of March.
Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. The median home price in Cleveland is $159,600, with tax bills ranging significantly across the county. Zip code 37312 has the highest median home price at $205,300.
Property Tax Assessment Values Across Cleveland, Bradley County, Tennessee
Source: Ownwell
$78,000
$141,650
$205,300
Median Cleveland Market Value
$159,600
Median Bradley County Market Value
$156,000
Median Tennessee Market Value
$213,900
Median United States Market Value
$235,294
Property Tax Assessment Values Across Cleveland, Bradley County, Tennessee
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 37311 | $14,600 | $52,125 | $117,000 | $186,675 | $281,200 |
| 37312 | $50,000 | $153,400 | $205,300 | $288,900 | $387,040 |
| 37323 | $20,000 | $67,600 | $139,200 | $205,800 | $281,800 |
Source: Ownwell
Property Tax Bills Across Cleveland, Bradley County, Tennessee
Property tax bills in Cleveland are based on the assessed value of a home, which is then multiplied by the local tax rate to determine the amount owed. For homeowners, the bill reflects both the market value of the property and the tax rules applied in Bradley County, so two homes with similar prices can still have different tax bills.
The median home price in Cleveland is $159,600, and the median property tax bill is $799, which is below the national median property tax bill of $2,400 and the national median property tax rate of 1.02%. Tax bills can vary widely across the city, with the 25th percentile at $319 and the 75th percentile at $952. At the high end, the 90th percentile reaches $1,332, while the lowest median tax bill is $429 in ZIP code 37311 and the highest median tax bill is $799 in ZIP code 37312.
Median Cleveland Tax Bill
$641
Median Bradley County Tax Bill
$639
Median Tennessee Tax Bill
$1,126
Median United States Tax Bill
$2,400
Property Tax Bills Across Cleveland, Bradley County, Tennessee
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 37311 | $55 | $189 | $429 | $721 | $1,099 |
| 37312 | $185 | $580 | $799 | $1,119 | $1,548 |
| 37323 | $86 | $292 | $605 | $898 | $1,233 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | May 31 |
Links | |
|---|---|
| Bradley Tax Assessor | |
| Website | assessment.cot.tn.gov |