Hamilton County Property Tax Rate
Tennessee
Hamilton County, Tennessee has an effective property tax rate of 0.62%, which is 33% lower than the national average of 0.92%. On a home valued at $312,800, homeowners pay approximately $1,925 per year in property taxes. Hamilton County ranks #6 out of 95 counties in Tennessee for property tax rates. Since 2020, the median bill has risen 18.3% while home values gained 63.4%. The county's largest city with its own tax profile is Chattanooga, where the median annual bill is $2,208.
$1,925
Per year
$312,800
2024 estimate
2.53%
Median income: $76,183
#6
of 95 counties in TN
Tax Breakdown
With Mortgage
$1,916
median annual tax
Without Mortgage
$1,940
median annual tax
Homeowners with a mortgage in Hamilton County pay on average -$24 more per year than those without. This difference often reflects how property tax escrow accounts in mortgaged homes capture the full tax obligation.
How Hamilton County Compares
Top Counties in Tennessee
Historical Property Tax Trends
Between 2020 and 2024, the median property tax bill in Hamilton County rose 18.3% (from $1,627 to $1,925), while the median home value climbed 63.4%. The effective tax rate fell from 0.85% to 0.62% over the same period.
| Year | Median Tax | Median Home Value | Effective Rate |
|---|---|---|---|
| 2020 | $1,627 | $191,400 | 0.85% |
| 2021 | $1,688 | $210,500 | 0.80% |
| 2022 | $1,833 | $250,900 | 0.73% |
| 2023 | $1,888 | $282,100 | 0.67% |
| 2024 | $1,925 | $312,800 | 0.62% |
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates
Tennessee Property Tax Exemptions
Available to Hamilton County homeowners
Tax Relief (Over 65/Disabled)
Reimbursement of taxes paid on first $30,000 of market value
Homeowners age 65+ or disabled with income under $31,600
Disabled Veteran
Reimbursement of taxes paid on first $175,000 of market value
Veterans with 100% permanent and total service-connected disability
Not sure which exemption applies to you? See our full homestead exemption guide for all 50 states, including amounts and application deadlines.
Property Tax Calculator
Estimate your annual property tax in Hamilton County
Estimated Annual Property Tax
$1,860
$155/month · Rate: 0.62%
Compare other counties with the Tennessee Property Tax Calculator.
Nearby Counties
Quick Facts
Think your property tax is too high?
Homeowners save an average of $1,148/year by appealing their assessment.
Learn How to Appeal →Cities in Hamilton County
Explore property tax data for 1 city in Hamilton County, Tennessee.
| City | Annual Tax | Rate |
|---|---|---|
| Chattanooga | $2,208 | 0.85% |
Frequently Asked Questions
Data Source: U.S. Census Bureau, 2024 American Community Survey 5-Year Estimates. Effective tax rates are calculated by dividing median real estate taxes paid by median home value. Actual property tax rates may vary based on local taxing jurisdictions, exemptions, and assessment practices. This information is for general reference only and should not be used as a substitute for professional tax advice.