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Chattanooga property tax

A Chattanooga home pays a city tax and a Hamilton County tax, on two bills. Look up the value the county puts on your home.

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The Chattanooga property tax rate

A Chattanooga property pays two rates. The city sets one, and the Hamilton County Commission sets the other.

Chattanooga property tax rate, 2026
Tax2026 rate for each $100 assessedA home’s tax for each $100,000 appraised
City of Chattanooga$1.93$482.50
Hamilton County$1.5157$378.93
Together$3.4457$861.43

A home is taxed on 25% of its appraised value. That part is the assessed value, and the rate is a charge on each $100 of it. At $3.4457, a Chattanooga home pays $861.43 a year for each $100,000 of appraised value. Figure the tax on your own value.

Who sends the bill and when it is due

A Chattanooga home gets two property tax bills. Both are figured from the value the Hamilton County Assessor sets, and both can be paid from October 1 to the last day of February.

The city bill. The City Treasurer sends it and takes the payment. The city bill also carries the city’s stormwater fee.

The county bill. The Hamilton County Trustee mails it in late September. The Trustee’s office is at 625 Georgia Avenue, Room 210, and its phone number is (423) 209-7270. Interest on the county tax is 1.5% for each month from March 1.

Office
Office of the City Treasurer
Address
City Hall, 101 East 11th Street, Room 100
Chattanooga, TN 37402
Mail
P.O. Box 191, Chattanooga, TN 37401-0191
Phone
(423) 643-7262

Who sets the value

The Hamilton County Assessor of Property sets the appraised value of every Chattanooga property. The city does not appraise property. If the value is too high, the tax is too high, and you can ask the Assessor to review it.

Chattanooga has a tax freeze for the city tax, for owners age 65 or older with a 2025 income of $63,470or less. Hamilton County has not adopted a freeze for the county tax. The state’s tax relief program covers both bills.

Hamilton County property tax has the Assessor’s office, how to ask for a review, the tax relief programs and the reappraisal years.

Questions about Chattanooga property tax

What is the property tax rate in Chattanooga?
$3.4457 for each $100 of assessed value in 2026: $1.93 for the City of Chattanooga and $1.5157 for Hamilton County. A home pays $861.43 a year for each $100,000 of appraised value.
When are Chattanooga property taxes due?
By the last day of February, for the city bill and the county bill. Both can be paid from October 1.
Why do I get two property tax bills in Chattanooga?
The city and the county each send a bill. The City Treasurer bills the city tax, and the Hamilton County Trustee bills the county tax. Both use the value the Hamilton County Assessor sets.
Who sets the value of my Chattanooga home?
Marty Haynes, the Hamilton County Assessor of Property. The office is at 6135 Heritage Park Drive, Chattanooga, TN 37416. You can ask it for an informal review.
Does TN.tax file in Chattanooga?
Yes. TN.tax files informal reviews with the Hamilton County Assessor, for Chattanooga and the rest of the county. You pay only if your value comes down.

Sources

By . Each fact on this page comes from the office that publishes it. The date is the day we read it.

General information, not legal or tax advice. Confirm a date or an amount with the office before you rely on it.

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