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 64 days to sell, which is slow. 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 Approval rate is approved ÷ decided (withdrawn and incomplete files excluded).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 is experiencing a cooling phase with median sale prices and price per square foot both trending downward year-over-year. Inventory levels remain relatively stable, while homes are spending longer on the market compared to previous periods. Buyers currently hold more leverage, as evidenced by a median sale-to-list ratio slightly below asking price.
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: median price corroborated by the published ten-year series (2025) (within 12.5%).
Select a city to expand its ZIP intel reports beneath · 11 cities · 23 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 98.4% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.2% · poverty 11.8% — a stable, low-distress profile.
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 23 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.
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.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Tennessee) — Tennessee Property Tax Assessment: Property is assessed at a percentage of its fair market value: 25% for residential property. The tax amount is calculated by multiplying the assessed value by the local tax rate (per $100 of assessed value).
- 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.
Data retrieved from US Census Bureau QuickFacts and ACS tables.
applies when — Applies to residential parcels created as condominiums on or after January 1, 2009.
Governs the creation, management, and operation of condominium associations, including unit owner rights, common element maintenance, and assessment authority.
Tennessee Code Annotated, Title 66, Chapter 27.
applies when — Applies to residential parcels governed by a homeowners' association or declaration of covenants.
Imposes specific constraints on associations, including: vested rights for owners to maintain long-term rentals if covenants are amended, prohibition on foreclosure for failure to pay special assessments for nonessential amenities, and requirements for fidelity bonds.
Tennessee Code Annotated, Title 66, Chapter 27, Parts 6-10.
applies when — Applies to residential parcels encumbered by a deed of trust or mortgage containing a power of sale clause.
Allows for non-judicial foreclosure. Requires public notice at least 20 days in advance of the sale, published in a newspaper in the county and/or posted on the secretary of state's website. The trustee must be a licensed Tennessee attorney.
Tennessee Code Annotated, Title 35, Chapter 5; amended by HB1355 (2023) and HB1155 (2011).
Property is assessed at a percentage of its fair market value: 25% for residential property. The tax amount is calculated by multiplying the assessed value by the local tax rate (per $100 of assessed value).
Tennessee Code Annotated, Title 67, Chapter 5; assessments are based on status as of January 1 annually.
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.