Total Cost Comparison
Every for-sale option in the Chattanooga market, all-in, in one table — with the tax differences that actually separate them.
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To compare fairly we use each community’s realistic price point and a 20%-down, 6.5% / 30-year mortgage. Property tax uses 2025 certified rates and the 25% assessment ratio. HOA/COA and the optional Black Creek Club are shown as “confirm” because those are set by the associations and change — we won’t print a stale number. State income tax is $0 across the board.
| Monthly | Black Creek (in-city, $600k) | Stonebrook (county, $375k) | Oakbrook (county, $340k) |
|---|---|---|---|
| Principal & interest | ~$3,034 | ~$1,896 | ~$1,719 |
| Property tax | ~$431 | ~$118 | ~$107 |
| Insurance | ~$200 | ~$110 | ~$120 |
| HOA / COA | Confirm | Confirm | Confirm |
| Optional private club | Confirm | — | — |
| State income tax | $0 | $0 | $0 |
| Subtotal before dues | ~$3,665 | ~$2,124 | ~$1,946 |
How to read it for your situation
- Lowest carrying cost: a county-only Ooltewah home (Stonebrook resale or Oakbrook new).
- Most amenities / closest in: Black Creek — but budget the city tax and (if you join) the club as real recurring costs.
- New construction + warranty at low tax: The Retreat at Oakbrook.
- Established, adult-oriented, lowest fuss: Stonebrook.
Dig into the per-community math: Black Creek true cost, Stonebrook true cost, or the head-to-head Black Creek vs. Stonebrook.
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