Wholesaling Real Estate in Hamilton County, Tennessee
Also, Chattanooga-area wholesalers earn without owning, fixing, or carrying a house. In addition, the work is finding an owner under pressure, signing a discounted purchase contract, and selling your rights in that contract to a cash investor for a fee.
In general, Hamilton County foreclosures are usually trustee sales with no lawsuit, and the first published notice can come as little as 20 days before the auction, so wholesalers who reach owners early get the room to negotiate.
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Hamilton County, Tennessee housing market at a glance
Market data: Realtor.com Hamilton County housing market, October 2026. Zillow Home Value Index for Hamilton County: $352,207 (down 0.9% from a year earlier), August 2026. View homes on Zillow.
Why Hamilton County suits wholesalers
Overall, controlling a Hamilton County house takes a signed purchase contract and an earnest money deposit, not a bank loan. The investor who buys your contract funds the repairs and handles the crews. As a result, many Chattanooga assignments wrap up within weeks.
From Apison east of Chattanooga to Lookout Mountain on the Georgia line and Sale Creek in the north, the ZIP codes in this guide all produce inherited houses, worn-out rentals, and owners behind on their loans.
Also, that many residents mean a constant stream of estates, divorce cases, and trustee sale notices across Hamilton County. Wholesalers who read those filings and published notices every week. Then, call owners first, take most of the off-market Chattanooga deals.
What happens in a Hamilton County wholesale deal?
Most Chattanooga-area assignments follow six stages, from first contact to payday:
- Find a distressed property
So, target Hamilton County owners with a pressing reason to sell, such as heirs, landlords ready to quit, and borrowers whose loans are headed for a trustee sale. - Run the numbers
So, use recent sales from the same Chattanooga neighborhood or nearby town to set the after-repair value (ARV) that drives your number. - Sign a purchase contract
So, negotiate a price that leaves enough margin for both your fee and the investor's profit. - Find a cash buyer
In addition, take the signed contract to the Chattanooga flippers, landlords, and cash buyers you have already vetted. - Assign the contract
So, sign an assignment agreement that hands your purchase rights to the investor for the agreed fee. - Collect your fee
In general, your fee is paid from the closing funds on the day the investor buys the Hamilton County house.
Motivated sellers who want to liquidate fast
For this reason, ForeclosuresDaily.com’s off-market real estate platform covers every major distress signal in Hamilton County, cross-referenced with tax rolls and property appraiser records.
Putting numbers on a Hamilton County offer
Overall, a Chattanooga offer starts with the ARV, the price the house should command once repairs are done.
Also, investors usually apply the 70% Rule, paying no more than 70% of ARV after subtracting repair costs. Generally, your fee comes out of that limit, so your price with the owner has to sit lower still.
Wholesale offer example
| Step | Amount |
|---|---|
| ARV | $420,000 |
| 70% of ARV − repairs ($34,000) | $260,000 |
| Your assignment fee | − $13,000 |
| Your contract price |
Chattanooga-area ZIP codes for wholesalers
So, treat these Hamilton County ZIP codes as your starting farm area. Then, grow it once your buyers show you where they want to own. Then, open any card for local prices and the offer math.
ZIP 37302 · Apison · $594,900 · Negotiate
Market snapshot: Apison (37302)
| Metric | Value |
|---|---|
| Median listing price | $594,900 ▼ 11.2% |
| Price per sq ft | $205 |
| Days on market | 84 days ▲ 15.1% |
| Median rent | $3,000 ▲ 1.7% |
| Active listings | 124 ▲ 16.2% |
| Gross rent yield | 6.1% |
Apison (37302) shows a Zillow Home Value Index of $527,846 for August 2026, down 1% over the year.
Apison is an unincorporated community and census-designated place in Hamilton County, Tennessee. Also, it is a rural area east of the city of Chattanooga, and it is near Ooltewah, Collegedale, and north Georgia to the south.
Also, it is part of the Chattanooga, TN–GA Metropolitan Statistical Area. In addition, Apison is fifteen miles from Enterprise South Industrial Park, the location of Volkswagen North America. Population: 4,428.
Investor note: Apison is unincorporated, so Hamilton County handles its permits and code enforcement. Listings ask about $67,000 more than a Zillow value of $527,846 that slipped 1% this year, so sellers may balk at a $368,430 max offer. Rural lots near Ooltewah and Collegedale vary widely, so pick comps carefully.
Max offer when the ARV equals the median price: $594,900 × 70% − $48,000 repairs = $368,430 max offer
ZIP 37341 · Harrison · $444,950 · Negotiate
Market snapshot: Harrison (37341)
| Metric | Value |
|---|---|
| Median listing price | $444,950 ▼ 16.1% |
| Price per sq ft | $206 |
| Days on market | 66 days ▲ 34.7% |
| Median rent | n/a |
| Active listings | 121 ▲ 31.9% |
| Gross rent yield | n/a |
Harrison (37341) has a Zillow Home Value Index of $338,422 as of August 2026, 1.1% lower than a year earlier.
In general, Harrison, a census-designated place in the Chattanooga metro, had 7,902 residents in the 2020 census. Within its bounds sit Harrison Bay State Park, the Hamilton County Landfill, the Jack Nicklaus-designed Bear Trace Golf Course, and Skull Island, a recreation area owned by TVA.
Investor note: Harrison's $444,950 median listing runs about $106,500 above the $338,422 Zillow value, which fell 1.1% this year. As a result, many asking prices here are stretched. Homes near Harrison Bay may carry a lake-view premium and flood risk. As a result, check both before you settle on an ARV in 37341.
Max offer when the ARV equals the median price: $444,950 × 70% − $36,000 repairs = $275,465 max offer
ZIP 37350 · Lookout Mountain · $1,375,000 · Flip
| Metric | Value |
|---|---|
| Median listing price | $1,375,000 ▲ 19.6% |
| Price per sq ft | $339 |
| Days on market | 55 days ▼ 10.6% |
| Median rent | n/a |
| Active listings | 13 ▲ 16.7% |
| Gross rent yield | n/a |
Lookout Mountain (37350) logged a Zillow Home Value Index of $1,072,651 in August 2026, the only strong gain on this page at 6.2%.
Lookout Mountain is a town in Hamilton County, Tennessee. Overall, bordering its sister city of Lookout Mountain, Georgia to the south, Lookout Mountain is part of the Chattanooga, TN–GA Metropolitan Statistical Area. Population: 2,058 (2020 census).
Investor note: Lookout Mountain is an incorporated town of 2,058 people. As a result, check town code records and expect very few sales to use as comps. At $852,500, the max offer with $110,000 of repairs fits only well-funded flippers, and values are rising here at 6.2% while most Chattanooga ZIPs slipped.
Max offer when the ARV equals the median price: $1,375,000 × 70% − $110,000 repairs = $852,500 max offer
ZIP 37373 · Sale Creek · $336,283 · Negotiate
Market snapshot: Sale Creek (37373)
| Metric | Value |
|---|---|
| Median listing price | $336,283 ▼ 21.8% |
| Price per sq ft | $212 |
| Days on market | 93 days ▲ 46.1% |
| Median rent | n/a |
| Active listings | 31 ▲ 76.2% |
| Gross rent yield | n/a |
Sale Creek (37373) carries a Zillow Home Value Index of $311,675 for August 2026, nearly flat with a 0.5% rise.
Sale Creek is an unincorporated community and census-designated place in northern Hamilton County, Tennessee. It is located along U.S. Generally, route 27 between Chattanooga and Dayton, Tennessee. Also, sale Creek is home to Sale Creek Middle/High School. In addition, a local curiosity, the reportedly "haunted" Shipley Hollow Road, supposedly home to a Sasquatch-like creature, is in Sale Creek. Population: 2,901 (2020 census).
Max offer when the ARV equals the median price: $336,283 × 70% − $27,000 repairs = $208,398 max offer
ZIP 37379 · Soddy-Daisy · $531,500 · Flip
Market snapshot: Soddy-Daisy (37379)
| Metric | Value |
|---|---|
| Median listing price | $531,500 ▲ 14.3% |
| Price per sq ft | $230 |
| Days on market | 50 days ▼ 2% |
| Median rent | $2,045 ▲ 2.5% |
| Active listings | 256 ▼ 6.3% |
| Gross rent yield | 4.6% |
Soddy-Daisy (37379) posted a Zillow Home Value Index of $359,217 in August 2026, off 0.4% from the prior year.
Soddy-Daisy is a city in Hamilton County, Tennessee. In general, the city was formed in 1969 when the communities of Soddy and Daisy, along with nearby developed areas along U.S. Route 27, merged to form Soddy-Daisy. Also, it is becoming a bedroom community of nearby Chattanooga and is part of the Chattanooga Metropolitan Statistical Area. Population: 13,070 (2020 census).
Investor note: Soddy-Daisy's $531,500 median listing sits roughly $172,000 above its $359,217 Zillow value, which suggests newer or larger homes fill the listings. Price older houses from older-house comps, and count on commuters to Chattanooga as the owner-occupants your flipper will resell to.
Max offer when the ARV equals the median price: $531,500 × 70% − $43,000 repairs = $329,050 max offer
ZIP 37404 · Chattanooga · $339,900 · Flip & wholesale
Market snapshot: Chattanooga (37404)
| Metric | Value |
|---|---|
| Median listing price | $339,900 ▼ 1.5% |
| Price per sq ft | $220 |
| Days on market | 43 days |
| Median rent | $1,695 ▲ 13% |
| Active listings | 143 ▲ 6.8% |
| Gross rent yield | 6.0% |
Chattanooga's 37404 shows a Zillow Home Value Index of $257,064 as of August 2026, down 0.6% on the year.
Chattanooga is a city in Hamilton County, Tennessee, and its county seat. Also, it is located along the Tennessee River and borders Georgia to the south. Also, it is Tennessee's fourth-most populous city and one of the two principal cities of East Tennessee, along with Knoxville. Population: 181,099 (2020 census). Overall, ZIP 37404 covers the central part of Chattanooga.
Max offer when the ARV equals the median price: $339,900 × 70% − $27,000 repairs = $210,930 max offer
ZIP 37406 · Chattanooga · $249,950 · Flip & wholesale
Market snapshot: Chattanooga (37406)
| Metric | Value |
|---|---|
| Median listing price | $249,950 ▲ 8.7% |
| Price per sq ft | $193 |
| Days on market | 66 days ▲ 48.4% |
| Median rent | $1,287 ▼ 14.2% |
| Active listings | 124 ▲ 26.9% |
| Gross rent yield | 6.2% |
In 37406, the Zillow Home Value Index stands at $183,829 for August 2026, 1.1% below a year before.
Generally, ZIP 37406 covers the northeastern part of Chattanooga, about 2 miles from the center of the city.
Investor note: 37406 has the lowest median listing on this page at $249,950, yet its $183,829 Zillow value is down 1.1%. As a result, the $154,965 max offer is the number to hold. Older houses about 2 miles from downtown Chattanooga often carry code issues, so check city records before you sign.
Max offer when the ARV equals the median price: $249,950 × 70% − $20,000 repairs = $154,965 max offer
ZIP 37408 · Chattanooga · $422,350 · Negotiate
Market snapshot: Chattanooga (37408)
| Metric | Value |
|---|---|
| Median listing price | $422,350 ▼ 1.2% |
| Price per sq ft | $291 |
| Days on market | 95 days ▲ 49.6% |
| Median rent | $2,150 ▼ 1.1% |
| Active listings | 68 ▲ 14.9% |
| Gross rent yield | 6.1% |
Chattanooga's 37408 saw the steepest drop here, with its Zillow Home Value Index falling 3.2% to $403,356 as of August 2026.
Also, ZIP 37408 covers the southwestern part of Chattanooga, about 2 miles from the center of the city.
Max offer when the ARV equals the median price: $422,350 × 70% − $34,000 repairs = $261,645 max offer
ZIP 37411 · Chattanooga · $277,500 · Flip & wholesale
Market snapshot: Chattanooga (37411)
| Metric | Value |
|---|---|
| Median listing price | $277,500 ▲ 8.6% |
| Price per sq ft | $194 |
| Days on market | 52 days ▲ 26.3% |
| Median rent | $1,250 ▼ 28.4% |
| Active listings | 132 ▲ 33% |
| Gross rent yield | 5.4% |
For 37411, the Zillow Home Value Index registered $233,974 in August 2026, a 3.1% decline over twelve months.
In addition, ZIP 37411 covers the eastern part of Chattanooga, about 3 miles from the center of the city.
Max offer when the ARV equals the median price: $277,500 × 70% − $22,000 repairs = $172,250 max offer
ZIP 37416 · Chattanooga · $350,000 · Negotiate
Market snapshot: Chattanooga (37416)
| Metric | Value |
|---|---|
| Median listing price | $350,000 ▼ 10.4% |
| Price per sq ft | $194 |
| Days on market | 69 days ▲ 16.9% |
| Median rent | $1,695 ▲ 30.4% |
| Active listings | 96 ▲ 28.6% |
| Gross rent yield | 5.8% |
The 37416 Zillow Home Value Index came in at $290,892 for August 2026, down 1.3% from the year before.
In general, ZIP 37416 covers the northeastern part of Chattanooga, about 7 miles from the center of the city.
Investor note: In 37416, about 7 miles northeast of downtown, listings at $350,000 run some $59,000 above the $290,892 Zillow value, which dipped 1.3%. Keep your comps inside 37416, since Chattanooga values change sharply from one ZIP to the next.
Max offer when the ARV equals the median price: $350,000 × 70% − $28,000 repairs = $217,000 max offer
Also, gross rent yield divides 12 months of median rent by the median listing price, and the max offer uses repairs equal to 8% of that price.
Finding cash buyers in Hamilton County
So, line up Chattanooga cash buyers before you sign with any owner. Also, flippers, landlords, and small builders who can close without financing will take most of your assignments.
Assignments and Tennessee wholesaling rules
In general, Tennessee licenses anyone who brokers real estate for others. As a result, sign as a true buyer and tell the owner you may assign the contract. Overall, rules around marketing a contract can be strict, so have a Tennessee real estate attorney review your forms before your first Chattanooga deal.
ForeclosuresDaily off-market opportunities before your competition
Hamilton County at a glance
Tennessee foreclosures are usually nonjudicial.
Generally, the trustee auctions the home after at least 20 days’ notice, two newspaper ads and 20 days of online posting, and the former owner can redeem within two years unless the deed of trust waives that right. In Hamilton County, contracts signed before the sale date leave time to find a buyer.
Sources: U.S. Census Bureau QuickFacts, Hamilton County, Tennessee (2020 to 2024 American Community Survey; population estimate for July 1, 2025) and state foreclosure law summary.
In fact, since 2004, ForeclosuresDaily.com has helped investors, wholesalers, flippers, and agents reach motivated sellers first.
Hamilton County wholesaling FAQ
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Start finding Hamilton County wholesale deals
In general, fresh, targeted off-market data for Apison, Harrison, Lookout Mountain, and all of Hamilton County.