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City · 48,829 residents · Bradley County, Tennessee

Cleveland , Tennessee

In Cleveland, a typical home is worth $272,200 and typical rent is $1,034 a month. Compared with all of Bradley County, typical household income is 12% lower and the share of households that own their home is 19 points lower.

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  • Typical home value

    $272,200

    4% above the county

    5% below Tennessee

    • Cleveland
    • Bradley
    • Tennessee

  • Typical rent

    $1,034a month

    About the same as the county

    13% below Tennessee

    • Cleveland
    • Bradley
    • Tennessee

  • Typical household income

    $58,559a year

    12% below the county

    16% below Tennessee

    • Cleveland
    • Bradley
    • Tennessee

  • Households that own their home

    48%

    19 points below the county

    19 points below Tennessee

    • Cleveland
    • Bradley
    • Tennessee

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$308,369
1.1% more than 12 months ago
Typical rent
$1,406 a month
0.7% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Cleveland is in Bradley County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Bradley County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Cleveland apart

What this place has that others do not, from public data, most unusual first.

  1. 48% of households in Cleveland own their home, against 67% in Bradley County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Cleveland

What homes there are in Cleveland, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house is still the most common home in Cleveland, but it weighs less than in Bradley County: 56% against 69%.

Year built

By age, homes in Cleveland look like those in Bradley County: the typical year built is 1983.

Homes in Cleveland are smaller: 51% have 3 bedrooms or more; in Bradley County, 66%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

By price, most homes in Cleveland sit under the FHA limit for Bradley County ($541,287): about 90%.

Monthly rent with utilities

By rent, most homes in Cleveland cost less than HUD's 2-bedroom fair market rent ($1,270): about 67%.

With a mortgage

$1,525 a month

Bradley County: $1,459 a month

Without a mortgage

$527 a month

Bradley County: $440 a month

Owners with a mortgage

57%

Bradley County: 55%

The typical cost for an owner with a mortgage in Cleveland is $1,525 a month, near the figure in Bradley County ($1,459).

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Cleveland rose 59% since 2015–2019, less than in Bradley County (63%).

The typical rent in Cleveland rose 35% since 2015–2019, about the same as in Bradley County (33%).

Housing prices ran ahead of income in Cleveland: typical income rose 31%, against +59% for home values and +35% for rent.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureClevelandBradley CountyTennesseeUnited States
Rental vacancy Unreliable estimateUnreliable estimate6.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room 3.1%2.6%2.2%3.4%
People per household 2.452.542.452.53
Drive alone 76%79%76%69%
Carpool 12%10%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike 2%1%1%3%
Work from home 10%9%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Bradley County, 3.1% of households in Cleveland have more than one person per room.

Much as in Bradley County, a household in Cleveland has 2.45 people on average.

The car rules in Cleveland: 76% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Cleveland?

A typical home costs more than the typical income allows

We start with a typical home in Cleveland, worth $272,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Cleveland, which is $58,559 a year. For that payment to be 28% of income, a household would need to earn about $93,255 a year.

The calculator's FHA and conventional loan limits are those of all of Bradley County.

Your numbers

Local data
$

Starts at the typical home value in Cleveland. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $9,527 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,176

at 7.18% · 30 years

Loan amount
$267,270
Total interest
$384,539
Paid off in
November 2056

Includes $4,597 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,366 a month

  • Tight

    $1,366 to $1,757 a month

  • Hard

    more than $1,757 a month

    Your payment · 45%

Compared with the typical household income in Cleveland ($58,559 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,176
Principal & interest$1,811
Property tax$132
Home insurance$113
FHA mortgage insurance (MIP)$120

You need at least $9,527 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Cleveland and Bradley County

Cleveland is in Bradley County, Tennessee. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Cleveland's own numbers

Typical home value
$272,200
Typical monthly rent
$1,034
Typical yearly household income
$58,559
Households that own their home
48%
Effective property tax rate
0.58%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Bradley County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,270
Price change over 5 years (FHFA)
+66%
Homes in a high flood-risk zone
1.2%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Bradley County.

Everything about Bradley County

Buying

Buying a home in Cleveland

A typical home in Cleveland is worth $272,200: 4% above the county and 5% below Tennessee. With the typical household income in Cleveland ($58,559 a year), a typical home costs 4.6 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Cleveland 4.6 years
  • Bradley 3.9 years
  • Tennessee 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Bradley County

According to FHFA’s house price index, home prices in Bradley County rose 110% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Bradley County.

Period County Tennessee U.S.
Last year (2025) +3.7% +2.4% +2.9%
5 years (2020–2025) +66% +60% +47%
10 years (2015–2025) +110% +114% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Cleveland next to Bradley County, Tennessee and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Cleveland $272,200
  • Bradley $261,900
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Cleveland $1,034
  • Bradley $1,030
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Cleveland $58,559
  • Bradley $66,552
  • Tennessee $69,595
  • United States $80,734
See the full table
Cleveland next to Bradley County and Tennessee
Measure Cleveland Bradley County Tennessee U.S.
Typical home value $272,200 $261,900 $286,700 $332,700
Typical monthly rent $1,034 $1,030 $1,189 $1,413
Typical yearly household income $58,559 $66,552 $69,595 $80,734
Households that own their home 48% 67% 67% 65%
Typical yearly property tax $1,576 $1,187 $1,442 $3,119
Effective property tax rate 0.58% 0.45% 0.5% 0.94%
Renters with high rent for their income 49% 45% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Bradley County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Cleveland

For a typical $272,200 home in Cleveland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cleveland's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,176a month

    Least cash to close
    Down payment
    $9,527
    Cash to close
    $17,693
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $120

  • Conventional, 5% down $2,126a month

    Down payment
    $13,610
    Cash to close
    $21,776
    Rate
    7.18%
    Mortgage insurance
    PMI · $129

  • Conventional, 20% down, no PMI $1,720a month

    Down payment
    $54,440
    Cash to close
    $62,606
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,972a month

    Down payment
    $40,830
    Cash to close
    $48,996
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Cleveland and for Bradley County.

Property tax

Effective rate in Cleveland

0.58%of the home’s value each year

$1,576 a year for the typical owner in Cleveland.

  • Cleveland 0.58%
  • Bradley 0.45%
  • Tennessee 0.5%

What Tennessee publishes Property tax relief for older, disabled and disabled-veteran homeowners (Tennessee Comptroller of the Treasury, 2026 Property Tax Relief Program brochure)

Exemptions and deadlines in Tennessee

Flood risk in Bradley County

FEMA does not publish these numbers by city: they are for all of Bradley County.

Homes in the high-risk zone
1.2%
445
Of those, with NFIP insurance
37%
County Tennessee U.S.
Homes in the high-risk zone 1.2% 1.6% 3.5%
Of those, with NFIP insurance 37% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cleveland

Typical rent in Cleveland is $1,034 a month: about the same as the county. In Cleveland, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Bradley County, by unit size. To pay the 2-bedroom one ($1,270 a month) without spending more than 30% of your income, you would need to earn $24.42 an hour working full time.

HUD fair market rent for all of Bradley County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $884 $17.00 $35,360
1 bedroom $971 $18.67 $38,840
2 bedrooms $1,270 $24.42 $50,800
3 bedrooms $1,593 $30.63 $63,720
4 bedrooms $1,669 $32.10 $66,760

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Cleveland

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cleveland has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,230 in 37311 to $1,380 in 37312.

1 of the 2 is above the fair market rent for Bradley County ($1,270).

  • 37311 $1,230$1,540
  • 37312 $1,380$1,730

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cleveland when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Cleveland

HUD lists 22 buildings with rents for lower incomes in Cleveland. These are the largest.

  • Cleveland Forward Phase II 450 Walker St NE, Cleveland 37311 147 low-income homes · For families (423) 479-9659, ext. 109
  • Cleveland Forward Phase 1 450 Walker St NE, Cleveland 37311 146 low-income homes · For families (423) 479-9659, ext. 109
  • Samuel Melton/Cooper Eld. 1601 Clemmer St NE, Cleveland 37311 114 low-income homes · Run by Cleveland Housing Authority · Average payment: $435 a month · Average wait: 7 months · Homes at several sites (423) 479-9659
  • North Cleveland Towers 1200 Magnolia Ave NE, Cleveland 37311 113 homes, 105 low-income · In service since 2013 · For older adults (423) 479-9639
  • Waters Edge Apartments 2360 Blackburn Rd SE, Cleveland 37311 97 low-income homes · 1 bd: 17 · 2 bd: 64 · 3 bd: 16 · In service since 2017 · For families (423) 472-0127

See all 22 buildings in Bradley County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Cleveland

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Bradley County; 1 says it serves in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Cleveland

No down payment, repair or rent-help program on our list is for Cleveland or Bradley County. The ones below are statewide in Tennessee: they work in Cleveland the same as in the rest of the state.

Which programs do I qualify for? All programs in Tennessee

  • Great Choice Plus

    Statewide in Tennessee

    Tennessee state agency help with the down payment and closing costs alongside the Great Choice mortgage: $6,000 or $10,000 forgivable over 10 years with no payments, or up to 5% of the price (maximum $15,000) as a 30-year second mortgage. Offered by Tennessee Housing Development Agency (THDA).

    ForgivableRepayable

    See the program Official page

Housing counselors near Cleveland

The HUD-approved agencies closest to the center of Cleveland, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • City Fields

    1075 Blythe Ave SE, Cleveland · 2 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (423) 472-9876

  • CCCS of Rochester-Chattanooga

    5600 Brainerd Rd, Chattanooga · 23 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (423) 490-5620

  • Chattanooga Neighborhood Enterprise, Inc.

    1500 Chestnut St Ste 102, Chattanooga · 27 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 2 more
    (423) 756-6201

Every agency in Bradley County All counseling agencies in Tennessee

Help in Spanish near Cleveland

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Cleveland

HUD’s record names them for Cleveland or Bradley County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Cleveland Housing Authority Public housing and Section 8 vouchers (423) 479-9659

All housing agencies in Tennessee Source: HUD

Cities

Other cities in Bradley County

These cities are also in Bradley County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Bradley County Housing in Tennessee

Nearby cities

The cities closest to Cleveland, with the typical home value.

Neighboring counties

If Bradley County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Cleveland.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Cleveland

Short answers with the numbers for Cleveland and all of Bradley County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Cleveland?

The typical home value in Cleveland is $272,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Bradley County it is $261,900.

How much does it cost to rent in Cleveland?

Typical rent in Cleveland is $1,034 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Bradley County is $1,270.

What is the FHA loan limit in Cleveland?

Cleveland uses the FHA limit for all of Bradley County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Cleveland?

The typical homeowner in Cleveland pays $1,576 a year, according to the U.S. Census Bureau. That is 0.58% of the home’s value; in Bradley County, the rate is 0.45%.

Where can I find free help to buy or rent in Cleveland?

There is 1 HUD-approved counseling agency with an office in Bradley County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).