AcreScore β€” What's this?
70/ 100

Bradley County, TN

Cleveland's rise. Fast-growing I-75 corridor county with Chattanooga access, strong jobs, and USDA-eligible rural land on the edges.

πŸ“Š70/100AcreScore
πŸ’°$22KLand $/acre
🏠$285KHome Value
πŸ‘₯108,110Population
πŸ“ˆ+11.5%Growth (10yr)
🌊10%Flood RiskLow
🌑️Mild Four-SeasonClimateZone 4A

πŸ—οΈ Can You Build Here?

Yes β€” Bradley County allows barndominiums in agricultural zones. Cleveland's growth has tightened some suburban zoning, but rural areas remain flexible.

ZoneMin LotBarndo OK?
A-1 (Agricultural)1 acreβœ… Yes
R-1 (Low Density Residential)20,000 sqft⚠️ Conditional
R-2 (Medium Density)12,000 sqft❌ No

Source: Bradley County Zoning Resolution

πŸ“‹ What Permits Do You Need?

Tennessee allows owner-builders to act as their own general contractor for personal residences. Licensed subs needed for electrical, plumbing, and HVAC.

Required Permits

  • β€’ Building permit
  • β€’ Septic permit (rural)
  • β€’ Electrical permit
  • β€’ Plumbing permit
  • β€’ Grading permit
  • β€’ Stormwater permit

Permit Office

Bradley County Building Dept 155 Broad St NW, Cleveland, TN 37311 (423) 728-7124 Mon–Fri 8:00 AM – 4:30 PM

🌊 What's the Flood & Soil Risk?

Moderate flood risk. About 10% of land is in FEMA flood zones, primarily along the Hiwassee River and South Mouse Creek. Check maps carefully.

10%
In Flood Zone
Good
Soil Drainage
Good
Septic Viability

Source: FEMA National Flood Hazard Layer, USDA Web Soil Survey

πŸ’° What Does It Cost?

Bradley County is pricier than deep-rural counties but still 30–40% cheaper than Hamilton County (Chattanooga). Good value for I-75 corridor access.

$22K
Median $/acre
$285K
Median Home Value
$145–215
Build Cost $/sqft
0.68%
Property Tax Rate

Source: U.S. Census Bureau ACS 2024, Bradley County Assessor

πŸ”οΈ Why People Love Living Here

Bradley County is booming. Cleveland anchors a fast-growing community on the I-75 corridor with Chattanooga 30 minutes north and the Cherokee National Forest at the back door.

πŸš—

I-75 Corridor

Direct interstate access to Chattanooga, Knoxville, and Atlanta. Commuter-friendly with rural character.

πŸ“ˆ

Rapid Growth

11.5% population growth in a decade. Cleveland is one of East Tennessee's fastest-growing cities.

πŸ”οΈ

Mountain Access

Cherokee National Forest and the Ocoee River are minutes away for hiking, rafting, and camping.

At a Glance

Population108,110
10-Year Growth+11.5%
County SeatCleveland
State Income TaxNone
ClimateMild four-season (Zone 4A)

How Close Is Everything?

Chattanooga30 min
Knoxville1.5 hr
Atlanta2 hr
Ocoee River30 min
Nashville2.5 hr

πŸ’§ Utilities & Infrastructure

Cleveland has full municipal services. Outlying areas have good electric co-op coverage but rely on wells and septic.

Electric ProviderCleveland Utilities / TVA
WaterMunicipal or Well
SewerMunicipal or Septic
InternetAT&T Fiber / Spectrum (in town)
Cell CoverageExcellent along I-75
Natural GasCleveland Utilities (limited area)

🏦 Financing & Incentives

Rural areas of Bradley County outside Cleveland qualify for USDA Rural Development loans β€” zero down payment for eligible buyers.

βœ… USDA Eligible
Outside Cleveland city limits
FHA / VA
Available county-wide
0.68%
Property tax rate

Check USDA eligibility for your address β†’

πŸ“ Nearby Counties

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❓ Frequently Asked Questions

Can I build a barndominium in Bradley County?
Yes β€” Agricultural zones (A-1) allow barndominiums. R-1 may require a conditional use permit.
Is Bradley County eligible for USDA loans?
Yes β€” rural areas outside Cleveland city limits qualify for USDA Rural Development zero-down-payment loans.
How far is Bradley County from Chattanooga?
About 30 minutes north on I-75. Cleveland to downtown Chattanooga is roughly 30 miles.
Is Bradley County a good investment?
The county has seen 11.5% population growth over the last decade with strong job creation. Land values are rising but still well below Chattanooga prices.