Tennessee · Hamilton County · Local exemptions · Updated Oct 2026
Hamilton County, TN property tax exemptions (2026)
The property tax breaks that are set or run locally in Hamilton County, on top of Tennessee’s statewide rules: what each is worth here, who qualifies, where to apply and the deadline.
What is different in Hamilton County
Hamilton County itself has not adopted the Tax Freeze, but the city of Chattanooga has, so only city taxes inside Chattanooga can be frozen (2026 limit $63,470). State Tax Relief through the Hamilton County Trustee works as in the rest of Tennessee.
- Apply at
- Hamilton County Trustee
- Phone
- 423-209-7799
- Local breaks
- Property Tax Freeze (City of Chattanooga taxes)
- Tax year
- 2026
Where to apply in Hamilton County
Hamilton County Trustee
- Address
- 6125 Preservation Drive Suite 101, Chattanooga, TN 37416
Other offices
Local exemptions in Hamilton County
Senior freeze or deferralProperty Tax Freeze (City of Chattanooga taxes)
Freezes the City of Chattanooga property tax on your home at the amount owed in the first year you qualify.
- Set by
- city
- Tax year
- 2026
- Who qualifies
- Owner-occupant inside Chattanooga city limits (Hamilton County part), 65 or older by December 31, 2026, with combined 2025 income at or below $63,470.
- Income limit
- $63,470 for tax year 2026 (local option limit)
- How to apply
- Apply every year to the city collecting official for Chattanooga city taxes (in some counties the county trustee takes city applications too).
- Deadline
- 35 days after the city tax delinquency date (city dates can differ from the county's).
- Renewal
- Every year.
Source: official page
Amounts by taxing unit in Hamilton County
Each school district, city or other taxing unit can set its own amount. Find the ones on your tax bill.
| Taxing unit | Type | Freeze | Income limit | Source |
|---|
| City of Chattanooga | city | yes (adopted 2017) | $63,470 (local option) | official |
| Hamilton County | county | no | — | official |
Savings estimate for Hamilton County
Roughly what an exemption could save you a year: the value it takes off, times your tax rate.
Eligibility finder for Hamilton County
Answer a few questions to see which property tax breaks may fit you. Nothing you type here is sent anywhere.
Document checklist for Hamilton County
Pick the breaks you plan to apply for. You get a checklist of forms, documents, steps and deadlines to print or keep on your phone.
Questions about property tax exemptions in Hamilton County
What property tax exemptions are there in Hamilton County?
Hamilton County itself has not adopted the Tax Freeze, but the city of Chattanooga has, so only city taxes inside Chattanooga can be frozen (2026 limit $63,470). State Tax Relief through the Hamilton County Trustee works as in the rest of Tennessee. Local breaks here: Property Tax Freeze (City of Chattanooga taxes).
Where do I apply for a property tax exemption in Hamilton County?
Hamilton County Trustee Phone: 423-209-7799 Address: 6125 Preservation Drive Suite 101, Chattanooga, TN 37416. Also: Hamilton County Assessor of Property, which sets the assessed value (appeals, ownership records). Also: TN Comptroller, Property Tax Relief, which state program: Tax Relief for elderly, disabled and disabled veteran homeowners.
When is the deadline to apply in Hamilton County?
Property Tax Freeze (City of Chattanooga taxes): 35 days after the city tax delinquency date (city dates can differ from the county's).
Is there an income limit for Hamilton County’s local breaks?
Property Tax Freeze (City of Chattanooga taxes): $63,470 for tax year 2026 (local option limit)
Do I have to reapply every year in Hamilton County?
Property Tax Freeze (City of Chattanooga taxes): Every year.
SourcesLast checked: Oct 2026.