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City · 7,452 residents · Bradley County, Tennessee

South Cleveland , Tennessee

In South Cleveland, a typical home is worth $232,600. Compared with all of Bradley County, the typical home value is 11% lower and the share of households that own their home is 20 points higher.

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  • Typical home value

    $232,600

    11% below the county

    19% below Tennessee

    • South Cleveland
    • Bradley
    • Tennessee

  • Typical household income

    $66,601a year

    About the same as the county

    4% below Tennessee

    • South Cleveland
    • Bradley
    • Tennessee

  • Households that own their home

    87%

    20 points above the county

    20 points above Tennessee

    • South Cleveland
    • Bradley
    • Tennessee

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

South 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 South Cleveland apart

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

  1. 87% of households in South Cleveland own their home, against 67% in Bradley County.

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

The homes here

Housing in South Cleveland

What homes there are in South 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

Detached houses, standing on their own, make up 86% of homes here, against 69% in Bradley County.

Year built

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
Monthly rent with utilities

With a mortgage

$1,395 a month

Bradley County: $1,459 a month

Without a mortgage

$381 a month

Bradley County: $440 a month

Owners with a mortgage

56%

Bradley County: 55%

The typical cost for an owner with a mortgage in South Cleveland is $1,395 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 South Cleveland rose 75% since 2015–2019, more than in Bradley County (63%).

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

MeasureSouth ClevelandBradley CountyTennesseeUnited States
Rental vacancy Unreliable estimateUnreliable estimate6.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate2.6%2.2%3.4%
People per household 2.432.542.452.53
Drive alone 84%79%76%69%
Carpool Unreliable estimate10%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%1%3%
Work from home Unreliable estimate9%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Bradley County, a household in South Cleveland has 2.43 people on average.

To get to work, 84% of workers in South Cleveland drive alone; in Bradley County, 79%.

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 South Cleveland?

A typical home is tight for the typical income

We start with a typical home in South Cleveland, worth $232,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in South Cleveland, which is $66,601 a year. For that payment to be 28% of income, a household would need to earn about $78,027 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 South 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 $8,141 (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

$1,821

at 7.18% · 30 years

Loan amount
$228,387
Total interest
$328,595
Paid off in
November 2056

Includes $3,928 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,554 a month

  • Tight

    $1,554 to $1,998 a month

    Your payment · 33%

  • Hard

    more than $1,998 a month

Compared with the typical household income in South Cleveland ($66,601 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,821
Principal & interest$1,547
Property tax$74
Home insurance$97
FHA mortgage insurance (MIP)$103

You need at least $8,141 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

South Cleveland and Bradley County

South 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).

South Cleveland's own numbers

Typical home value
$232,600
Typical yearly household income
$66,601
Households that own their home
87%
Effective property tax rate
0.38%

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 South Cleveland

A typical home in South Cleveland is worth $232,600: 11% below the county and 19% below Tennessee. With the typical household income in South Cleveland ($66,601 a year), a typical home costs 3.5 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.

  • South Cleveland 3.5 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

South 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
  • South Cleveland $232,600
  • Bradley $261,900
  • Tennessee $286,700
  • United States $332,700
Typical yearly household income
  • South Cleveland $66,601
  • Bradley $66,552
  • Tennessee $69,595
  • United States $80,734
See the full table
South Cleveland next to Bradley County and Tennessee
Measure South Cleveland Bradley County Tennessee U.S.
Typical home value $232,600 $261,900 $286,700 $332,700
Typical yearly household income $66,601 $66,552 $69,595 $80,734
Households that own their home 87% 67% 67% 65%
Typical yearly property tax $883 $1,187 $1,442 $3,119
Effective property tax rate 0.38% 0.45% 0.5% 0.94%

“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 South Cleveland

For a typical $232,600 home in South Cleveland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, South Cleveland's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,821a month

    Least cash to close
    Down payment
    $8,141
    Cash to close
    $15,119
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $103

  • Conventional, 5% down $1,778a month

    Down payment
    $11,630
    Cash to close
    $18,608
    Rate
    7.18%
    Mortgage insurance
    PMI · $110

  • Conventional, 20% down, no PMI $1,431a month

    Down payment
    $46,520
    Cash to close
    $53,498
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,646a month

    Down payment
    $34,890
    Cash to close
    $41,868
    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 South Cleveland and for Bradley County.

Property tax

Effective rate in South Cleveland

0.38%of the home’s value each year

$883 a year for the typical owner in South Cleveland.

  • South Cleveland 0.38%
  • 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 South Cleveland

The Census Bureau publishes no typical rent for South Cleveland. Below are the fair market rents for Bradley County.

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 South Cleveland

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

For 2 bedrooms it is $1,230 in all of them.

None is above the fair market rent for Bradley County ($1,270).

  • 37311 $1,230$1,540
  • 37323 $1,230$1,540

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for South 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?

Free help

Help to buy or rent in South 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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in South Cleveland

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

The HUD-approved agencies closest to the center of South 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 · 3 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 · 19 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 · 23 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 South 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 South Cleveland

In HUD’s record, no housing authority with an office in Bradley County is named for South Cleveland or Bradley County.

One other authority has an office in Bradley County: see the list 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 South 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 South Cleveland.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about South Cleveland

Short answers with the numbers for South 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 South Cleveland?

The typical home value in South Cleveland is $232,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Bradley County it is $261,900.

What is the FHA loan limit in South Cleveland?

South 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 South Cleveland?

The typical homeowner in South Cleveland pays $883 a year, according to the U.S. Census Bureau. That is 0.38% of the home’s value; in Bradley County, the rate is 0.45%.

Where can I find free help to buy or rent in South 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).