The story of this market
The typical home in Bradley County, Tennessee sells for about $379,000, or $185 per square foot.
Homes take about 64 days to sell, which is slow. Over the long run, values in this county have grown 167% since 2000. Last year 14 of 23 neighborhoods saw prices rise, so the story isn't the same street to street. HUD's fair market rent for a two-bedroom is $1,270 a month.
HUD sets the fair market rent for a 2-bedroom at $1,270 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Low.
Price climate
Every year of price change, 2000–2025
+0.8%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+20.6%). Worst: 2010 (-2.7%). Hover to read a year.
Monthly price momentum
Home values since 2015
-0.4%
TN · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,593
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+0.8%
2025 change
FHFA repeat-sales index, median of 23 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
44
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $35,819,886.
Mortgage activity
Home lending in this county
75.4%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 4797 | 2434 | 75.4% | 13.3% | $175,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Bradley County, Tennessee
The Bradley County housing market is currently experiencing a period of stabilization as inventory levels rise and price growth flattens. While demand remains steady, the increase in active listings is providing more options for buyers, leading to a more balanced market compared to the rapid appreciation seen in previous years.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: median price diverges 31.1% from the nearest retained anchor (published ten-year series (2026)) — beyond the 12.5% tolerance; an automated validation case is open and the value publishes pending its verdict.
Select a city to expand its ZIP intel reports beneath · 3 cities · 6 ZIP reports
Median prices moved up 2.2% year over year.
Homes spend a median of 75 days on market with 3.1 months of supply — a balanced-paced market.
10% of listings have cut prices · homes sell at 83.39% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.2% · poverty 11.5% — a stable, low-distress profile.
Deterministic aggregate of 6 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Bradley County, Tennessee — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 9.7%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 17
researched Sep 17
researched Sep 17
researched Sep 21
researched Sep 21
researched Sep 27
| 37310 | Charleston | $450,000 | $205 | +20% | 64 | 98.5% | 12% | 3.2 | 45 | $933 | researched Sep 17 |
| 37311 | Cleveland | $332,301 | $191 | +7.9% | 69 | 98.1% | — | — | 184 | $932 | researched Sep 17 |
| 37312 | Cleveland | $369,840 | $186 | +6.7% | 67 | — | — | — | 564 | $1,148 | researched Sep 17 |
| 37320 | Cleveland | $332,301 | $191 | +7.9% | 69 | 98.1% | 33.7% | 2.7 | 463 | $1,600 | researched Sep 21 |
| 37323 | Cleveland | $318,000 | $183 | +9.5% | 52 | 98.3% | — | — | 301 | $991 | researched Sep 21 |
| 37353 | McDonald | $640,000 | $285 | -5.4% | 87 | 97.5% | 12% | 6.2 | 43 | $1,093 | researched Sep 27 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Bradley County reports crime rates generally consistent with regional Tennessee averages, with property crime being the primary concern in urbanized areas of Cleveland.
The county is served by the Cleveland City Schools and Bradley County Schools systems, which maintain a mix of performance ratings with several high-performing magnet and preparatory options.
The area faces moderate risk from severe thunderstorms and occasional flooding in low-lying areas near the Hiwassee River, with standard insurance coverage typically sufficient.
Economic momentum is driven by the manufacturing and logistics sectors in Cleveland, supported by proximity to the I-75 corridor and ongoing expansion of industrial parks.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Tennessee) — Tennessee Property Tax Assessment: Property is assessed at a percentage of its fair market value: 25% for residential property. The tax amount is calculated by multiplying the assessed value by the local tax rate (per $100 of assessed value).
The economy is anchored by a robust manufacturing base, including automotive suppliers and food processing, alongside a growing retail and healthcare sector.
The county is bisected by Interstate 75, providing a primary transit corridor connecting the area to Chattanooga and Knoxville.
The Bradley County Assessor of Property conducts periodic reappraisals to ensure assessments reflect fair market value in accordance with Tennessee state law.
The county includes various utility districts and fire protection districts that operate independently of municipal boundaries.
Property insurance markets remain stable, though premiums have seen modest increases due to regional weather-related claims.
- Lake Winnepesaukah Amusement Park4.126.6 mi
- Creative Discovery Museum4.727.5 mi
- Dave & Buster’s Chattanooga4.420.4 mi
- Spare Time Chattanooga4.424.1 mi
- Urban Air Trampoline and Adventure Park4.320 mi
- Chattanooga Convention Center4.627.8 mi
- Feed Table and Tavern4.627.8 mi
- Soldiers and Sailors Memorial Auditorium4.627.3 mi
- Golden Corral Buffet & Grill4.427.9 mi
- Topgolf Chattanooga4.323.9 mi
- Harrison Bay State Park4.615 mi
- Ocoee Riverside Farm4.910 mi
- Enterprise South Nature Park4.817.2 mi
- Big Soddy Creek Gulf4.819 mi
- UEC Theatres 144.56.1 mi
- Tennessee Valley Railroad Museum4.821.6 mi
- Ruby Falls4.629.8 mi
- Creative Discovery Museum4.727.5 mi
- Chattanooga Choo Choo Historic District4.427.6 mi
- Hunter Museum of American Art4.727.1 mi
- Little Debbie Park4.815.4 mi
- Harrison Bay State Park4.615 mi
- Chester Frost Park4.616.8 mi
- Enterprise South Nature Park4.817.2 mi
- Big Soddy Creek Gulf4.819 mi
- Blue Water RV Resort4.720.9 mi
- B&B Marina, Paradise Point Restaurant, The Pavilion at B&B Restaurant4.69.3 mi
- Harbor Lights Marina4.414.8 mi
- Island Cove Marina & Resort4.515.6 mi
- Lakeshore Marina4.221.1 mi
- Bear Trace at Harrison Bay (TN Golf Trail)4.614.2 mi
- The Honors Course4.812.9 mi
- Nob North Golf Course4.419.9 mi
- Olde White Oaks Golf Course4.318.9 mi
- Valleybrook Golf and Country Club4.119.9 mi
- Publix Super Market at Village at Waterside4.719.5 mi
- Publix Super Market at Mouse Creek4.61.1 mi
- Publix Super Market at Snow Hill Village4.613.7 mi
- T.J. Maxx4.320 mi
- Bradley Square Mall3.81 mi
- Chattanooga Metropolitan Airport4.422.1 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
Provides extensive opportunities for fishing, kayaking, and outdoor recreation.
Features preserved architecture, local dining, and community events that anchor the city center.
A significant historical site marking the last seat of the Cherokee national government before the Trail of Tears.
Retrieved from data.census.gov
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
applies when — Applies to residential parcels created as condominiums on or after January 1, 2009.
Governs the creation, management, and operation of condominium associations, including unit owner rights, common element maintenance, and assessment authority.
Tennessee Code Annotated, Title 66, Chapter 27.
applies when — Applies to residential parcels governed by a homeowners' association or declaration of covenants.
Imposes specific constraints on associations, including: vested rights for owners to maintain long-term rentals if covenants are amended, prohibition on foreclosure for failure to pay special assessments for nonessential amenities, and requirements for fidelity bonds.
Tennessee Code Annotated, Title 66, Chapter 27, Parts 6-10.
applies when — Applies to residential parcels encumbered by a deed of trust or mortgage containing a power of sale clause.
Allows for non-judicial foreclosure. Requires public notice at least 20 days in advance of the sale, published in a newspaper in the county and/or posted on the secretary of state's website. The trustee must be a licensed Tennessee attorney.
Tennessee Code Annotated, Title 35, Chapter 5; amended by HB1355 (2023) and HB1155 (2011).
Property is assessed at a percentage of its fair market value: 25% for residential property. The tax amount is calculated by multiplying the assessed value by the local tax rate (per $100 of assessed value).
Tennessee Code Annotated, Title 67, Chapter 5; assessments are based on status as of January 1 annually.
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.