37421 Property Tax Rate
Chattanooga, Tennessee · Part of Hamilton County
Effective Tax Rate
0.75%
85.3% above state avgMedian Annual Tax
$2,235
$186/mo escrow
Estimate Your Tax
Annual Tax
$2,235
Monthly
$186
Eff. Rate
0.75%
Buyer decision brief
What ZIP 37421 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$186/mo
Based on median annual tax paid
State context
0.20 percentage points above the Tennessee average
Tennessee average: 0.55%
Data confidence
High confidenceThe Census margin of error is $113, about 5% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Hamilton County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 37421 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$113 tax MOE, 5% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
Hamilton County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 37421
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $299,600, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 0.75%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Tennessee and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $186 per month before insurance, HOA dues, or special assessments.
Assessor verification
Hamilton County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 37421 Compares
Median Annual Property Tax
ZIP 37421
0.75%
Effective rate
Tennessee Avg
0.55%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Tennessee
Higher than 89% of ZIP codes in Tennessee(89th percentile, 580 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 37421
Property owners in ZIP code 37421 (Chattanooga, Tennessee) pay a median of $2,235/year in property taxes on homes valued at $299,600. This translates to an effective tax rate of 0.75%, which is 36% above the Tennessee state average of 0.55%.
The monthly property tax burden for a median-valued home in 37421 is approximately $186, which factors into escrow payments on mortgages. This ZIP code is located within Hamilton County. This is $1,029 more than the Tennessee average of $1,206/year.
Compared to similar ZIP codes in Tennessee, 37421 has higher property taxes. ZIP codes with similar effective rates include 37415 (0.75%) and 37137 (0.75%).
In Chattanooga, property taxes represent approximately 2.8% of the median household income of $79,958, providing context for the relative tax burden on homeowners in this area.
Tennessee property is reassessed with no state-mandated cap; the Hamilton County Assessor conducts periodic revaluations that can significantly raise your tax bill. Hamilton County residents 65+ or with disability should apply for the Homestead Exemption at the Hamilton County Assessor's office to lower taxable value and save hundreds annually. Obtain your assessment notice after closing and file an appeal with the Hamilton County Assessor within 30 days if you dispute the valuation.
Frequently Asked Questions
What is the property tax rate in ZIP code 37421?
How much are property taxes in Chattanooga, TN (37421)?
How does ZIP 37421 compare to the Tennessee average?
What is the median home value in ZIP 37421?
What county is ZIP code 37421 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$113. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 37421 is part of Hamilton County, Tennessee. View the full county profile for broader context and more data.
View Hamilton County on TaxByCounty →Explore Chattanooga, TN
View all 15 ZIP codes in Chattanooga with property tax comparisons.
View Chattanooga Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 37421
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
37405
Chattanooga, TN
0.05 percentage points lower than ZIP 37421.
Rate
0.70%
Tax
$2,909
Quality
94
37419
Chattanooga, TN
$3,200 higher median home value than ZIP 37421.
Rate
1.00%
Tax
$3,018
Quality
89
37408
Chattanooga, TN
0.19 percentage points lower than ZIP 37421.
Rate
0.56%
Tax
$2,560
Quality
96
37409
Chattanooga, TN
0.09 percentage points lower than ZIP 37421.
Rate
0.66%
Tax
$1,624
Quality
96
37404
Chattanooga, TN
0.06 percentage points lower than ZIP 37421.
Rate
0.69%
Tax
$1,614
Quality
96
37415
Chattanooga, TN
0.00 percentage points lower than ZIP 37421.
Rate
0.75%
Tax
$1,952
Quality
101
37336
Georgetown, TN
0.32 percentage points lower than ZIP 37421.
Rate
0.43%
Tax
$931
Quality
89
37308
Birchwood, TN
0.30 percentage points lower than ZIP 37421.
Rate
0.44%
Tax
$1,059
Quality
89
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.