The story of this market
The typical home in Bradley County, Tennessee sells for about $289,000, or $178 per square foot.
Prices are down 10.1% from a year ago, which gives buyers more room to negotiate. 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 Approval rate is approved ÷ decided (withdrawn and incomplete files excluded).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
Bradley County housing market activity displays balanced conditions with an expanding active inventory base of over 1,100 homes and median days on market hovering around 64 days. Closed sale values have adjusted moderately downward following rapid post-pandemic appreciation, stabilizing transactions around $289,000 while asking list prices average higher. Stable manufacturing employment and steady regional migration from greater Chattanooga continue to sustain core residential demand.
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: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
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 3.8% · poverty 11.6% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
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 7.4%/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 exhibits violent crime rates slightly below the Tennessee state median, though property crime rates are somewhat elevated in denser retail sections of Cleveland. Overall law enforcement metrics show stable countywide incidence year-over-year.
Public education is split between Bradley County Schools and Cleveland City Schools, both delivering average to above-average graduation rates and solid state testing marks, anchored by Bradley Central High and Cleveland High.
Flood risk is localized along Candies Creek, Mouse Creek, and low-lying hollows, while overall wildfire hazard is moderate. Severe convective storms and occasional tornadic wind events represent the primary property-casualty risks.
Bradley County maintains robust manufacturing and distribution momentum along the I-75 corridor, anchored by Whirlpool, Mars Wrigley, Wacker Polysilicon, and extensive logistics expansion.
Bradley County levies property taxes based on a statutory 25% assessment ratio for residential property against local millage rates without a state personal income tax. City of Cleveland properties incur an additional municipal ad valorem levy, with statutory relief available for qualified low-income elderly and disabled homeowners.
Commuters travel via Interstate 75 and US-11 south toward Chattanooga, typically seeing drive times ranging between 30 and 45 minutes to downtown Chattanooga employment hubs.
Residents have immediate access to Johnston Park, the Cleveland Greenway, Tinsley Park sports complex, and nearby Cherokee National Forest and Ocoee River whitewater recreation just across the county line.
Residential permitting activity remains steady, registering approximately 788 annual residential building permits driven by subdivision construction north and west of Cleveland.
The rental market is centered predominantly in Cleveland, driven by Lee University student population and manufacturing employment, with asking rents holding around $1,600 monthly amid modest vacancy pressure.
Bradley County serves as an established advanced manufacturing hub within Southeast Tennessee, supported by chemical manufacturing, food processing, and consumer durable goods. Major global employers such as Whirlpool, Mars Wrigley, and Wacker Polysilicon anchor a resilient industrial labor force.
Transportation centers on Interstate 75 running north-south, connecting the county directly to Chattanooga to the southwest and Knoxville to the northeast. US Highway 11 and US Highway 64 provide primary surface conduits across the county and eastward into the Appalachian foothills.
Municipal and county planning commissions focus on balancing light industrial corridor growth along I-75 with master-planned single-family developments expanding along the western perimeter of Cleveland.
The Bradley County Assessor of Property values real property at fair market value under Tennessee law, with reappraisals conducted on a cyclical schedule (typically every 4 to 5 years) and residential parcels assessed at the statutory 25% assessment ratio.
Parcels are served by Bradley County general taxing funds, municipal service districts in Cleveland and Charleston, alongside specialized public utility districts delivering water and sewer service across unincorporated areas.
Property insurance rates in Bradley County align closely with the Tennessee state average, influenced primarily by convective severe weather and hail risks rather than coastal hurricane or severe wildfire exposures.
- 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 from Google Maps, 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.
A multi-use recreational greenway spanning several miles through Cleveland, connecting parks, schools, and civic destinations for walkers and cyclists.
Immediate gateway access to national forest hiking, camping, and the world-renowned Ocoee River whitewater corridor adjacent to the eastern county line.
A historic commercial district featuring local dining, boutique shopping, community festivals, and historic architecture surrounding the county courthouse.
Major municipal recreational hub providing lighted softball fields, tennis courts, a dog park, and playground facilities for community leagues and youth sports.
Retrieved from Census Bureau QuickFacts and ACS 5-year county profile tables for Bradley County, TN (FIPS 47011).