Bradley County, Tennessee home prices
Typical home $313,180 · +1.4% in a year · property tax 0.45%
The typical home in Bradley County is worth $313,180, 5% less than the Tennessee typical home ($330,844). Values changed +1.4% in the past year and +28.5% over five years. Homeowners here pay a median 0.45% of their home's value in property tax each year ($1,419 on the typical home), versus 0.46% statewide.
Mortgage on the typical Bradley County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $62,636 | $250,544 | $1,685 | $0 | $275 | $1,960 | $84,000 |
| 10% down | $31,318 | $281,862 | $1,896 | $117 | $275 | $2,288 | $98,100 |
| 5% down | $15,659 | $297,521 | $2,001 | $124 | $275 | $2,400 | $102,900 |
| 3.5% down (FHA) | $10,961 | $307,508 | $2,069 | $139 | $275 | $2,482 | $106,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.45% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Tennessee · part of the Cleveland metro area.
Tennessee counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Anderson County | $313,013 | +3.0% | 0.54% |
| Putnam County | $312,125 | +1.2% | 0.48% |
| Franklin County | $315,281 | +2.5% | 0.53% |
| Coffee County | $308,088 | +1.6% | 0.57% |
| Marshall County | $318,501 | +2.3% | 0.48% |
| Montgomery County | $318,644 | +0.4% | 0.61% |
| Smith County | $307,229 | +4.7% | 0.47% |
| Cumberland County | $306,289 | +0.8% | 0.29% |
| Washington County | $305,353 | +1.9% | 0.52% |
| Cannon County | $323,400 | +7.4% | 0.43% |
Frequently asked questions
What is the average home price in Bradley County, TN?
The typical home value in Bradley County is $313,180 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Bradley County?
About $84,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Bradley County?
The median effective rate is 0.45% of home value a year (Census ACS 2024 5-year estimates).