Chattanooga, TN · Hamilton County seller guide · 2026
Yes. USA Home Buyers buys houses as-is in Chattanooga and Hamilton County, Tennessee. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
We give written cash offers in 24 hours.
Written offer and written terms before you commit; title-company closing.
Call 888-274-5006 or use the form to tell us about the property.
We'll give you a written cash offer within 24 hours.
Share the address, condition, occupancy, and timing you are considering.
Compare the choices
Put the written price and terms beside what you may spend on repairs, cleanup, showings, any agreed commission, inspection responses, and the bills you carry while waiting. Compare what you may keep, not only the first price you see.
A listing may fit when the house is ready to show and you can manage preparation, buyer visits, and the time before closing. Estimate the work and costs for this property: repairs, cleaning, photos, showings, inspection requests, buyer financing, agreed commissions or concessions, taxes, insurance, utilities, and mortgage payments while it is listed.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Review the written offer and terms, then compare the amount you may keep with the work, costs, timing, and responsibilities of listing.
We have two ways to buy. A Cash Offer is built for speed, condition, and tough situations — heavy repairs, tight timelines, difficult circumstances. EZ Sale is often the better fit when the house doesn't need major repairs and you want a higher number. Either way, you compare written numbers and you pick what works best for you.
Swipe across the table to compare all four selling options.
| Factor | List with a realtor | FSBO | Cash Offer | EZ Sale |
|---|---|---|---|---|
| Timeline | Market-dependent | Market-dependent | 30 days or less | 60 days or less |
| Price | Highest, if it sells | Varies | Lower price | Higher price than the Cash Offer |
| Repairs | Repairs may be needed before listing or after inspection | The seller handles repair decisions | No repairs | No repairs |
| Commissions | Agent commissions apply under the listing agreement | No listing-agent commission; the seller handles the sale | No commissions | No commissions |
| Closing costs | Seller costs depend on the contract and settlement statement | Seller costs depend on the contract and settlement statement | No closing costs | No closing costs |
| Showings | The seller prepares for and coordinates showings | The seller markets the property and coordinates showings | None | None |
| Who buys | Retail buyer | Retail buyer | USA Home Buyers buys directly | Goes to one of our partners |
| Certainty | Depends on the buyer, inspections, financing, and contract | Depends on finding and qualifying a buyer | Written offer and written terms before you commit; title-company closing. | Written offer and written terms before you commit; title-company closing. |
| Net proceeds | Compare the expected sale price after commissions, repairs, costs, and waiting | Compare the expected sale price after seller-managed costs and work | Compare the written price after your payoff and other property obligations. No commissions. No closing costs. | Compare the written price after your payoff and other property obligations. No commissions. No closing costs. |
Compare what you would keep after costs with the Chattanooga, TN calculator →
Questions about the two options? Call 888-274-5006.
1
Share the address, what needs work and who lives there. Tell us when we can see it and when you want to sell.
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We give written cash offers in 24 hours.
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Written offer and written terms before you commit; title-company closing.
Recent local measures
Read each measure with its source, geography, and period. A citywide number cannot account for the condition, repairs, occupancy, access, and timing of your particular property.
These measures describe housing prices and selling conditions for the areas and periods shown. Compare them alongside repair costs, your mortgage payoff and selling costs.
| Measure | Value | Source and area | Period |
|---|---|---|---|
| Median sale price | $367,000 | Redfin · Chattanooga, TN | Three months ending August 2026 |
| Median days on market | 41 days | Redfin · Chattanooga, TN | Three months ending August 2026 |
| Homes sold | 852 homes | Redfin · Chattanooga, TN | Three months ending August 2026 |
| Typical home value (Zillow ZHVI) | $319,185 | Zillow · Chattanooga, TN | As of August 2026 |
| For-sale inventory | 1,133 homes | Zillow · Chattanooga, TN | As of August 2026 |
Include utilities, other bills and any mortgage payments while waiting to sell. Allow time for closing, too.
Zillow’s typical home value is a modeled measure, separate from completed-sale prices: $319,185 (As of August 2026; Zillow typical home value for Chattanooga, TN). Use it as market context, not a price for your address.
Planning tool
The sale price is not the same as what you keep. Use the calculator to compare a listing estimate with a direct-sale figure, then edit the assumptions for your house and costs.
Open the Chattanooga home-sale net-proceeds calculator →Useful local facts
Chattanooga identifies four local historic districts: St. Elmo, Fort Wood, Battery Place, and Ferger Place. The district list does not establish that a particular house is included or what work it may need. If you are considering work on a property that may be in a district, check the address and proposal with the City; it provides a Certificate of Appropriateness route for historic-zoning matters.
City historic districts · Certificate of Appropriateness application
The City-linked neighborhood-association map includes labels such as Highland Park and East Lake, but its boundaries are drawn by members of the public and are for orientation—not parcel or legal boundaries. Hamilton County lists East Ridge and Red Bank as separate municipalities, not Chattanooga neighborhoods. Check the exact address when deciding which city or county office to contact.
City neighborhood associations and map · Hamilton County municipal directory
Signing, occupancy, deadlines, and taxes
In Tennessee, real estate usually passes at death to the heirs or people named in the will. The exception is a will that directs the house to be handled as part of the estate. A personal representative—the person appointed by the probate court to handle the estate—can usually sign if the will puts the house under that person’s control or gives them authority to sell. The court’s letters show the representative’s authority. Otherwise, the heirs or beneficiaries who own the house generally all sign the deed.
If the estate’s other assets cannot pay its debts, a personal representative or creditor can ask the court to order a sale, with everyone who has an interest in the house included in that case. Tennessee’s small-estate process covers personal property, not a house. The title company checks the actual will, court letters, debts, and title; a family relationship alone does not establish who can sign. For an individual estate, ask a Tennessee attorney about the documents and authority.
Tennessee Code Annotated §§31-2-103, 30-2-402, and 30-4-102. For local routing, see the Hamilton County Court System and Chancery Court dockets and contact.
If tenants live in the house, include every lease, deposit record, access limit, and possession expectation in the comparison. A sale does not by itself answer what the lease requires. Read the actual agreement and ask a Tennessee attorney about any legal question on the lease, notices, or possession.
Often, yes, you can sell a Tennessee house in foreclosure if the sale closes before the foreclosure sale. Many Tennessee home loans use a deed of trust. When it includes a power of sale, the trustee can sell the house at a public auction without a court case.
Under the usual notice rules in effect since July 1, 2025, the sale notice must run at least two times in a newspaper published in the county. The first newspaper notice must be at least 20 days before the sale. The notice must also be posted online by a third-party internet posting company for at least 20 days in a row. The trustee must mail you a copy of the notice by registered or certified mail by the date of the first newspaper notice.
Unless the loan papers forbid it, the sale can be postponed one or more times without a new newspaper notice. The sale must still happen within one year of the original date. Each new date must be announced at the scheduled sale. It must also be posted online, unless the delay is less than five days. If the sale is pushed back more than 30 days, the new date, time, and place must be mailed to you at least 10 days before the sale.
For a sale under a deed of trust or mortgage without a court judgment, Tennessee law gives a two-year right to redeem unless the deed of trust or mortgage expressly waives it. A court-ordered sale has different rules. If a trustee's sale is scheduled, tell us the date right away so we can try to close before it. Notice periods do not establish how much time remains on a particular property; check the current notice and sale date.
Tennessee Code §35-5-101 notice-rule change, 2025 Public Chapter 515 · Tennessee Secretary of State list of third-party internet posting companies · Tenn. Code Ann. §66-8-101 (redemption).
Read the Chattanooga foreclosure guidance and use the exact trustee notice for the property.
Tennessee charges 37 cents for each $100 of the price paid or the property’s value, whichever is greater, when the deed is recorded. A $100,000 sale has $370 in state realty transfer tax. By law, the buyer pays it, and the county register of deeds collects it for the state. Some transfers are exempt, so ask the title company to check the deed and transfer type.
When you sell to us, we pay the closing costs, including Tennessee's realty transfer tax. Your mortgage, liens, back taxes and share of current property taxes are separate.
Tennessee Department of Revenue: recordation taxes · Tennessee Department of Revenue: recordation tax overview · Who pays and collects the transfer tax.
Where to find help
The City of Chattanooga has a city property-tax route; the Hamilton County Trustee handles county property-tax accounts and tax-sale questions. Check which bill or notice you have before choosing an office.
City of Chattanooga tax information · Hamilton County Trustee
Hamilton County identifies Chancery Court as handling estate matters and lists a Clerk & Master role. Use the court and docket pages for local routing; they do not establish the venue or signing authority for a particular estate.
Hamilton County Court System · Chancery Court dockets and contact
The City routes property-maintenance reports through Code Enforcement. The County inspection-office list identifies Chattanooga as a District 1 contact for the City Inspection Division. Confirm the jurisdiction and requirements for the address and notice; these are local service contacts, not a claim that every sale needs an inspection.
City Code Enforcement · Hamilton County inspection offices · City building-code compliance-letter request
Testimonials are real, from our transactions, verified and approved by our attorneys. Each seller’s location is shown with the experience.
Yes. USA Home Buyers buys houses as-is in Chattanooga and Hamilton County, Tennessee. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Use the form or call 888-274-5006. We'll give you a written cash offer within 24 hours.
Cash Offer — USA Home Buyers buys directly. 30 days or less. Lower price. No repairs, no commissions, no closing costs. EZ Sale — goes to one of our partners. 60 days or less. Higher price than the Cash Offer. Still no repairs, no commissions, no closing costs. Compare the written numbers and choose what works best for you.
A family relationship alone does not establish signing authority. Tennessee real estate usually passes at death to heirs or the people named in the will unless the will directs that the house be handled as part of the estate. A personal representative can usually sign when the will puts the house under that person’s control or gives them authority to sell; otherwise, the heirs or beneficiaries who own it generally all sign. The title company checks the actual will, court letters and title.
Tennessee charges 37 cents for each $100 of the price paid or the property’s value, whichever is greater, when the deed is recorded. By law, the buyer pays this state tax, and the county register of deeds collects it. When you sell to us, we pay the closing costs, including Tennessee’s realty transfer tax. Your mortgage, liens, back taxes and share of current property taxes are separate.
Include the lease, deposit records, access limits and possession expectations in the sale discussion. Read the actual agreement and ask a Tennessee attorney about questions on your rights or duties under the lease.
Often, yes, if you close before the foreclosure sale. Read the actual notice and the deadlines and postponement rules below. If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
Call 888-274-5006 or use the property form above. We buy houses as-is in Chattanooga and Hamilton County.
Go to the offer form →