Hamilton County, Tennessee home prices
Typical home $348,511 · -1.0% in a year · property tax 0.62%
The typical home in Hamilton County is worth $348,511, 5% more than the Tennessee typical home ($330,844). Values changed -1.0% in the past year and +22.0% over five years. Homeowners here pay a median 0.62% of their home's value in property tax each year ($2,145 on the typical home), versus 0.46% statewide.
Mortgage on the typical Hamilton County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $69,702 | $278,809 | $1,876 | $0 | $353 | $2,229 | $95,500 |
| 10% down | $34,851 | $313,660 | $2,110 | $131 | $353 | $2,594 | $111,200 |
| 5% down | $17,426 | $331,085 | $2,227 | $138 | $353 | $2,718 | $116,500 |
| 3.5% down (FHA) | $12,198 | $342,198 | $2,302 | $154 | $353 | $2,809 | $120,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.62% 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 Chattanooga metro area.
Tennessee counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Moore County | $355,337 | +7.2% | 0.45% |
| Trousdale County | $356,334 | +4.5% | 0.35% |
| Dickson County | $357,734 | +1.8% | 0.47% |
| Jefferson County | $334,422 | +2.0% | 0.43% |
| Fayette County | $367,601 | -0.8% | 0.33% |
| Robertson County | $369,103 | +0.3% | 0.47% |
| Bedford County | $326,906 | +0.9% | 0.48% |
| Cannon County | $323,400 | +7.4% | 0.43% |
| Knox County | $376,337 | +1.2% | 0.43% |
| Montgomery County | $318,644 | +0.4% | 0.61% |
Frequently asked questions
What is the average home price in Hamilton County, TN?
The typical home value in Hamilton County is $348,511 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Hamilton County?
About $95,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Hamilton County?
The median effective rate is 0.62% of home value a year (Census ACS 2024 5-year estimates).