Chattanooga, Hamilton County, Tennessee Property Taxes
Property Taxes in Chattanooga, Tennessee
Median Chattanooga, Tennessee effective property tax rate: 0.56%, significantly lower than the national median of 1.02%, and lower than the Tennessee state median of 0.54%.
Median Chattanooga, Tennessee home value: $169,200
Median annual Chattanooga, Tennessee tax bill: $978, lower than the national median property tax bill of $2,400.
How are property taxes in Hamilton calculated?
Property taxes in Chattanooga, 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 Chattanooga's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Chattanooga, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Chattanooga, Hamilton County, Tennessee Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.56%
Estimate Property Tax Bill
$948
$879
How Does the Chattanooga Property Tax Calculator Work?
Use this Chattanooga property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Chattanooga's median effective tax rate of 0.56% — based on actual property records in Hamilton 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 Chattanooga'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 Chattanooga: rates range from 0.56% in 37407 to 0.56% in 37402, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Chattanooga.
About Chattanooga Property Taxes
About Property Taxes in Chattanooga, Hamilton, Tennessee
Chattanooga's median effective property tax rate of 0.56% is lower than the Tennessee state median of 0.54% and lower than the national median of 1.02%. This rate reflects the Hamilton 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 Chattanooga. Homeowners in the 37407 ZIP code carry a median effective rate of 0.56%, while those in 37402 pay 0.56%. This spread reflects how school district boundaries and local assessment districts are drawn across Hamilton County. Understanding which part of Chattanooga you live in can make a meaningful difference to your annual tax bill.
Chattanooga 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 Chattanooga, Hamilton 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 Chattanooga'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 Chattanooga Tax Rate
0.56%
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 Hamilton County Tax Rate
0.56%
Median Effective Tennessee Tax Rate
0.54%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Chattanooga, Hamilton County, Tennessee
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 37402 | 0.56% | 0.56% | 0.56% | 0.56% | 0.56% |
| 37403 | 0.56% | 0.56% | 0.56% | 0.56% | 0.56% |
| 37404 | 0.56% | 0.56% | 0.56% | 0.56% | 0.89% |
| 37405 | 0.56% | 0.56% | 0.56% | 0.56% | 0.56% |
| 37406 | 0.56% | 0.56% | 0.56% | 0.56% | 0.56% |
| 37407 | 0.56% | 0.56% | 0.56% | 0.56% | 0.56% |
| 37408 | 0.56% | 0.56% | 0.56% | 0.56% | 0.56% |
| 37409 | 0.56% | 0.56% | 0.56% | 0.56% | 0.56% |
| 37410 | 0.56% | 0.56% | 0.56% | 0.56% | 0.89% |
| 37411 | 0.56% | 0.56% | 0.56% | 0.56% | 0.56% |
| 37412 | 0.56% | 0.56% | 0.56% | 0.56% | 0.56% |
| 37415 | 0.56% | 0.56% | 0.56% | 0.56% | 0.56% |
| 37416 | 0.56% | 0.56% | 0.56% | 0.56% | 0.56% |
| 37419 | 0.56% | 0.56% | 0.56% | 0.56% | 0.56% |
| 37421 | 0.56% | 0.56% | 0.56% | 0.56% | 0.56% |
Source: Ownwell
Property Tax Assessment Values Across Chattanooga, Hamilton County, Tennessee
When examining property taxes in Chattanooga, 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. Hamilton County 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 are sent in the spring each year and typically reach your mailbox by the middle of the month. Each property owner receives a notice that contains both the market value and assessed value, along with an estimate of your property tax bill.
For example, the median home price in Chattanooga is $169,200, with tax bills ranging significantly across the county. Zip code 37402 has the highest median home price at $337,700.
Property Tax Assessment Values Across Chattanooga, Hamilton County, Tennessee
Source: Ownwell
$46,000
$299,800
$553,600
Median Chattanooga Market Value
$169,200
Median Hamilton County Market Value
$197,300
Median Tennessee Market Value
$213,900
Median United States Market Value
$235,294
Property Tax Assessment Values Across Chattanooga, Hamilton County, Tennessee
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 37402 | $174,400 | $203,428 | $337,700 | $577,625 | $838,125 |
| 37403 | $87,840 | $163,750 | $248,000 | $378,975 | $763,000 |
| 37404 | $42,000 | $71,500 | $112,200 | $183,200 | $293,820 |
| 37405 | $91,100 | $165,975 | $290,200 | $414,250 | $607,090 |
| 37406 | $36,800 | $48,500 | $74,600 | $116,300 | $160,400 |
| 37407 | $31,800 | $37,500 | $46,000 | $65,100 | $100,800 |
| 37408 | $119,000 | $229,800 | $292,600 | $375,700 | $468,800 |
| 37409 | $105,910 | $134,175 | $176,200 | $251,550 | $339,630 |
| 37410 | $33,490 | $40,600 | $55,150 | $80,250 | $138,040 |
| 37411 | $64,500 | $90,725 | $119,300 | $160,000 | $210,010 |
| 37412 | $109,100 | $127,000 | $148,300 | $185,000 | $233,000 |
| 37415 | $123,000 | $150,200 | $191,000 | $252,000 | $371,700 |
| 37416 | $100,300 | $135,000 | $164,500 | $209,200 | $323,740 |
| 37419 | $76,140 | $112,600 | $167,600 | $329,050 | $538,520 |
| 37421 | $135,600 | $179,200 | $226,100 | $294,300 | $392,790 |
Source: Ownwell
Property Tax Bills Across Chattanooga, Hamilton County, Tennessee
Property tax bills in Chattanooga are based on the assessed value of a home, not its market price alone. Local tax rates are applied to that assessed value to determine the amount owed each year, so a higher assessment can lead to a larger bill. Factors such as location, property characteristics, and how the home is classified can all influence the final tax bill.
With a median home price of $169,200, homeowners in Chattanooga may see very different outcomes depending on where they live. The 25th percentile tax bill is $650, while the 75th percentile is $1,425 and the 90th percentile is $2,097. Median tax bills also vary widely by ZIP code, from $258 in 37407 to $1,889 in 37402.
These differences show how property taxes can affect homeowners unevenly across the city. A higher assessed value or a higher local rate can increase the annual burden, making property tax bills an important part of homeownership costs in Chattanooga.
Median Chattanooga Tax Bill
$978
Median Hamilton County Tax Bill
$1,128
Median Tennessee Tax Bill
$1,126
Median United States Tax Bill
$2,400
Property Tax Bills Across Chattanooga, Hamilton County, Tennessee
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 37402 | $975 | $1,138 | $1,889 | $3,585 | $4,991 |
| 37403 | $516 | $969 | $1,399 | $2,178 | $4,280 |
| 37404 | $237 | $444 | $665 | $1,104 | $1,670 |
| 37405 | $510 | $946 | $1,653 | $2,373 | $3,466 |
| 37406 | $206 | $273 | $462 | $667 | $922 |
| 37407 | $178 | $210 | $258 | $378 | $603 |
| 37408 | $712 | $1,291 | $1,637 | $2,126 | $2,657 |
| 37409 | $603 | $770 | $1,023 | $1,430 | $1,918 |
| 37410 | $189 | $227 | $317 | $537 | $787 |
| 37411 | $361 | $510 | $699 | $942 | $1,202 |
| 37412 | $613 | $723 | $868 | $1,096 | $1,320 |
| 37415 | $693 | $854 | $1,091 | $1,449 | $2,095 |
| 37416 | $564 | $755 | $968 | $1,208 | $1,817 |
| 37419 | $447 | $649 | $967 | $1,854 | $2,997 |
| 37421 | $771 | $1,014 | $1,273 | $1,658 | $2,198 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | June 5 |
Links | |
|---|---|
| Hamilton Tax Assessor | |
| Website | assessor.hamiltontn.gov |