Hamilton County, TN Average Home Price (2026)
The average home price in Hamilton County, Tennessee is about $350,500 (the 2026 median across 24 ZIP codes, at ~$217/sq ft) — 31% more expensive than the Tennessee median and 21% more expensive than the typical U.S. home.
How Hamilton County compares
Hamilton County is about average for housing nationally: its typical home costs $350,500 against $267,000 for Tennessee and $289,000 for the U.S. Within the county, ZIP-level values run from about $122,000 to $1,087,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Hamilton County | $350,500 | $217 |
| Tennessee | $267,000 | $213 |
| United States | $289,000 | $193 |
Cities in Hamilton County
Cities with their own home-value page, largest first:
Hamilton County home prices by ZIP code
The 15 most valuable ZIP codes in Hamilton County (of 24 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 37350 Lookout Mountain | $1,087,000 | $361 | +210% |
| 37377 Signal Mountain | $633,000 | $264 | +81% |
| 37302 Apison | $524,000 | $205 | +50% |
| 37402 Chattanooga | $443,000 | $444 | +26% |
| 37363 Ooltewah | $439,000 | $213 | +25% |
| 37408 Chattanooga | $400,000 | $284 | +14% |
| 37409 Chattanooga | $384,000 | $278 | +10% |
| 37403 Chattanooga | $382,000 | $272 | +9% |
| 37336 Georgetown | $375,000 | $230 | +7% |
| 37343 Hixson | $361,000 | $200 | +3% |
| 37421 Chattanooga | $357,000 | $202 | +2% |
| 37379 Soddy-Daisy | $356,000 | $226 | +2% |
| 37308 Birchwood | $345,000 | $245 | -2% |
| 37341 Harrison | $334,000 | $202 | -5% |
| 37415 Red Bank | $326,000 | $220 | -7% |
Home value appreciation in Hamilton County
Home prices in Hamilton County have risen about 117% over the last 10 years (≈8.0% a year) and +139.8% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +1.8% — still rising. A home worth $350,500 today was worth roughly $161,894 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Tennessee is +113.5% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Hamilton County
Run the numbers for Hamilton County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Hamilton County
To buy the typical $350,500 home in Hamilton County with 20% down, you need a household income of roughly $95,000 a year (about $2,230 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $113,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $17,500 | $2,770/mo | $119,000/yr |
| 10% (+PMI) | $35,100 | $2,640/mo | $113,000/yr |
| 20% | $70,100 | $2,230/mo | $95,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Hamilton County
At about $217 per square foot, here is roughly how much home different budgets get you in Hamilton County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 920 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1150 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1380 sq ft | around the typical home here |
| $400k | 1840 sq ft | around the typical home here |
| $500k | 2300 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Tennessee.
Estimate a specific home in Hamilton County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Hamilton County home prices: frequently asked
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Browse all Tennessee cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.