Chattanooga, Marion County, Tennessee Property Taxes
Property Taxes in Chattanooga, Tennessee
Median Chattanooga, 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 Chattanooga, Tennessee home value: $133,500
Median annual Chattanooga, Tennessee tax bill: $582, lower than the national median property tax bill of $2,400.
How are property taxes in Marion 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, Marion County, Tennessee Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.44%
Estimate Property Tax Bill
$587
$545
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 0.44% — based on actual property records in Marion County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessment 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 $448.00 in 37405 to $1,120.00 in 37419, 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, Marion, Tennessee
Chattanooga’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 Marion 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 37405 ZIP code carry a median effective rate of 0.44%, while those in 37419 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 Marion 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, Marion 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 Ă· 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
0.44%
Our median effective property tax rate (tax bill Ă· 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 Marion County Tax Rate
0.44%
Median Effective Tennessee Tax Rate
0.54%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Chattanooga, Marion County, Tennessee
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 37405 | 0.44% | 0.44% | 0.44% | 0.44% | 0.44% |
| 37419 | 0.44% | 0.44% | 0.44% | 0.44% | 0.44% |
| 37421 | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Assessment Values Across Chattanooga, Marion 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. The Marion 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 Marion County, assessment notices are sent in the spring each year. They’ll typically reach your mailbox by the middle of May.
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. For Chattanooga homeowners, the median home price is $133,500, while the median tax bill is $582, compared with the national median property tax rate of 1.02% and the national median property tax bill of $2,400. Tax bills vary across the county, with the highest median home price in 37419 at $259,000 and the highest median tax bill also in 37419 at $1,120.
Property Tax Assessment Values Across Chattanooga, Marion County, Tennessee
Source: Ownwell
$33,900
$146,450
$259,000
Median Chattanooga Market Value
$133,500
Median Marion County Market Value
$93,900
Median Tennessee Market Value
$213,900
Median United States Market Value
$235,294
Property Tax Assessment Values Across Chattanooga, Marion County, Tennessee
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 37405 | $14,560 | $31,000 | $102,700 | $187,400 | $282,120 |
| 37419 | $26,620 | $88,600 | $259,000 | $624,400 | $940,140 |
| 37421 | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Bills Across Chattanooga, Marion 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 final bill, so two homes with similar market values can still owe different amounts if their assessments differ. Factors such as location, neighborhood, and property characteristics can influence how much a home is taxed.
With a median home price of $133,500, Chattanooga homeowners often see bills that vary widely across the city. The 25th percentile tax bill is $197, while the 75th percentile is $1,206 and the 90th percentile reaches $2,788. That spread shows how much property tax costs can differ depending on the home and its assessment.
For homeowners, property taxes are a recurring expense that can significantly affect monthly housing costs and long-term affordability. In Marion County, understanding how the bill is calculated can help homeowners better anticipate what they may owe and whether their assessment reflects their property fairly.
Median Chattanooga Tax Bill
$582
Median Marion County Tax Bill
$336
Median Tennessee Tax Bill
$1,126
Median United States Tax Bill
$2,400
Property Tax Bills Across Chattanooga, Marion County, Tennessee
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 37405 | $62 | $136 | $448 | $815 | $1,222 |
| 37419 | $119 | $390 | $1,120 | $2,782 | $4,108 |
| 37421 | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | May 31 |
Links | |
|---|---|
| Marion Tax Assessor | |
| Website | assessment.cot.tn.gov |