Inherited
You stop paying for a house and get a fair price.
Sell Your House Fast in Chattanooga, TN — Cash Offer in 24 Hours
We buy houses as-is in Chattanooga and Hamilton County, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
You're going to get a fair price and not have to do anything. Just show up at settlement.
We give written cash offers in 24 hours. You get written terms before you commit, and closing is through a title company.
Call 888-274-5006 to talk through the property.
Hablamos Español
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address, condition, and what is making the sale difficult.
Hablamos Español
Estimate what you could keep from a Chattanooga sale
See what you'd actually walk away with. We started with Zillow's typical home value for Chattanooga: $319,185 (As of August 2026; Zillow typical home value for Chattanooga, TN) (Source: Zillow Home Value Index), and the verified Tennessee realty transfer tax of 0.37%. Pick your home's condition, from light touch-ups to fire damage, and change any number.
Chattanooga, TN illustrative estimate
Chattanooga, TN illustrative home sale net proceeds estimate
The sale price is only the starting point. What matters is what you keep after your payoff, repairs, fees, and other costs come out. That's your net proceeds.
The home value starts with Zillow’s typical value for the area. Your house may be worth more or less. You can change the value and every cost below. Adjust anything you know, including your payoff, repair or credit risk, cleanout cost, agent commission, and how long you expect to carry the property.
Starting-value basis: Zillow typical home value for Chattanooga, TN (As of August 2026): $319,185. Editable estimate, not an appraisal. Source: Zillow Home Value Index
See what you'd actually walk away with.
Your starting home-value estimate may come from a public source when one is available. You can edit that estimate and each cost input above; your property's actual value and closing costs may differ.
Choose the condition that best fits your home, then update the value, mortgage payoff, and cost inputs with what you know. The local-cost input is an editable cost reserve, not a verified local tax rate.
Three simple steps
1
Tell us about your house
Share the address, what needs work and who lives there. Tell us when we can see it and when you want to sell.
2
Get your offer
We give written cash offers in 24 hours.
3
Close
Written offer and written terms before you commit; title-company closing.
Choose the question closest to yours
Selling a Chattanooga house in a difficult situation
Foreclosure
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
Fire damage
You keep the insurance money and don't have to worry about the house anymore — we'll take care of it.
Confirm how the proceeds and any mortgage requirements apply to your claim with your insurer and mortgage servicer.
Liens and back taxes
When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing.
Tenants
You're done — no turnover, no repairs, no more bad tenants.
Code violations
The fines don't stop while you think about it. They pile up, they add new ones, and every month takes another bite out of what the property is worth to you. We can buy it quickly, violations and all, so you stop the bleeding and keep your equity.
Divorce
You only have to agree on one thing — the price. After that we handle the rest, so there's nothing to argue about over repairs, contractors, showings, or who pays for what.
Cash Offer or EZ Sale: compare the written numbers
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 calculator →
Questions about the two options? Call 888-274-5006.
Chattanooga market snapshot
These city-level measures give you context for comparing sale paths. They are not a value or timeline for one house; condition, size, access, occupancy, title, and timing still matter.
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
Selling costs in Chattanooga: Tennessee’s transfer tax
Tennessee charges a realty transfer tax when the deed is recorded: 37 cents for each $100 of the price paid or the property’s value, whichever is greater. That is 0.37%, and it is a state tax—not a separate Chattanooga or Hamilton County tax. By law, the buyer pays it; the Hamilton County Register of Deeds collects it for the State.
For example, a $100,000 taxable transfer owes $370 in Tennessee realty transfer tax. Some kinds of transfers are exempt, so check the deed and transfer type with the Tennessee Department of Revenue.
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 transfer-tax overview →
What Chattanooga sellers should know
Historic districts and planned work
Chattanooga’s Historic Zoning Commission lists four local historic districts: St. Elmo, Fort Wood, Battery Place, and Ferger Place. Those names do not establish whether a particular house is inside a district or what work it needs. If you are planning exterior work, check the address and project with the City; its Certificate of Appropriateness route is for historic-zoning matters.
City historic districts and planning information → Certificate of Appropriateness application →
City and County property-tax notices
Chattanooga directs City property-tax questions to the Office of City Treasurer, and valuation or exemption questions to the Hamilton County Assessor of Property. The County Trustee is the route for County property-tax questions and tax-sale information. Match the office to the bill or notice you received, then confirm the amount and deadline with that office.
City tax information → Hamilton County Trustee → County Trustee property-tax FAQ →
Notices, building questions, and the property address
The City routes minimum-housing and property-maintenance reports through Code Enforcement. Hamilton County’s inspection-office list routes Chattanooga (District 1) to the City Inspection Division. If you have a notice or a question about proposed work, use the actual address and ask the City which office and requirements apply. The City’s Building Code Compliance Letter request is a separate service; it is not presented here as a blanket inspection triggered by a sale.
City Code Enforcement → Hamilton County building-inspection offices → City building codes → Building Code Compliance Letter request →
What sellers say about USA Home Buyers
Who we are
Chattanooga is a market we serve.
We've helped homeowners in just about every situation you can imagine — thousands of times. When you're working with someone, you want to know they've seen it before. We have.
Useful Chattanooga and Hamilton County offices
Chattanooga Office of City Treasurer
City property-tax questions and the City tax bill.
Hamilton County Assessor of Property
Valuation and exemption questions; use the County directory to reach the office.
Hamilton County Trustee
County property-tax questions and tax-sale information.
Hamilton County Chancery Court and Clerk & Master
Estate matters and Chancery Court dockets; use the contact route for local routing questions.
City Code Enforcement and Inspection Division
City minimum-housing and property-maintenance reports; the County office list routes Chattanooga (District 1) to the City Inspection Division.
Chattanooga Historic Planning and Zoning
Historic-district and proposed-work questions for a specific address.
Hamilton County Register of Deeds
Records deeds and collects Tennessee’s realty transfer tax for the State when the deed is recorded.
Tennessee Department of Revenue
State realty transfer-tax rates, recordation rules, and transfer-specific questions.
Questions about selling a house in Chattanooga
Is Chattanooga in Hamilton County?
Yes. The 2026 Census place-and-county map comparison identifies Hamilton County as the only county containing Chattanooga city area. East Ridge, Red Bank, Signal Mountain, Lookout Mountain, Collegedale, and Soddy-Daisy are separate municipalities listed in Hamilton County’s directory, so check the property address when a city service or rule matters.
How much is Tennessee’s realty transfer tax?
Tennessee charges 37 cents for each $100 of the price paid or the property’s value, whichever is greater, when the deed is recorded. That is 0.37%; a $100,000 taxable transfer owes $370. The buyer is liable by law, and the county Register of Deeds collects the tax for the State. Some transfers are exempt, so check the deed and transfer type with the Tennessee Department of Revenue.
Which office handles my Chattanooga property-tax question?
Start with the bill or notice in front of you. The City routes City property-tax questions to its Office of City Treasurer, valuation and exemption questions to the Hamilton County Assessor of Property, and County property-tax questions to the Hamilton County Trustee. Confirm which bill and notice apply to your address.
What should I check before work on a Chattanooga historic home?
The City lists St. Elmo, Fort Wood, Battery Place, and Ferger Place as local historic districts. Those names do not establish that a particular address is in a district. Check the address and proposed work with the City; it provides a Certificate of Appropriateness route for historic-zoning matters.
Who can I contact about an inherited Hamilton County house?
Hamilton County says Chancery Court handles estate matters and provides a Clerk & Master docket and contact route. Use those offices to ask where to direct a question about your papers; the general information does not establish venue or signing authority for an individual estate.
What happens to insurance proceeds if I sell a fire-damaged house to you?
We buy the house exactly as it stands, and you keep your insurance proceeds. Confirm how the proceeds and any mortgage requirements apply to your claim with your insurer and mortgage servicer.
Can you review a tenant-occupied Chattanooga house?
Yes. Tell us who lives there, what the lease says, what access is available, and what you know about rent, deposits, notices, and possession expectations. Those details help us review the actual property; this does not promise an eviction or a particular possession result.
Tell us about your Chattanooga house
Share the address, condition, who is living there, and what you need to know. Call 888-274-5006 if you would rather talk first.
Hablamos Español
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address and what is making the sale difficult.
Hablamos Español
Nearby places and Chattanooga seller information
Hamilton County lists East Ridge, Red Bank, Signal Mountain, Lookout Mountain, Collegedale, and Soddy-Daisy as separate municipalities. Check the actual address and municipality before relying on Chattanooga city information. Hamilton County municipal directory →
See Chattanooga neighborhoods and nearby places →
Chattanooga seller pages
- Chattanooga market report
- Chattanooga neighborhoods and nearby places
- Chattanooga seller FAQ
- Chattanooga seller resources
- Chattanooga seller articles
- Chattanooga net-proceeds calculator
- Chattanooga seller guide
- Selling an as-is house in Chattanooga
- How the Chattanooga sale process works
- Chattanooga seller experiences
- About USA Home Buyers in Chattanooga