Chattanooga Water Utility: Pay, Log In, Call, Start Service or Fix a Sewer Bill
Chattanooga water is not handled through one simple city water login for every customer. Most Chattanooga water-bill questions route to Tennessee American Water, while City sewer fees are paid through the City of Chattanooga Wastewater Department. This 2026 guide shows the right login, phone number, payment address, start-service path, sewer-fee payment route, emergency contacts, assistance options, water-quality source and high-bill troubleshooting steps.
Start Here: Fast Chattanooga Water and Sewer Action Board
User need |
Official route |
Have ready |
Chattanooga-specific next step |
|---|---|---|---|
Pay or log in for water |
Tennessee American Water 16-digit account number, service address, email and payment method. |
Use MyWater for bill pay, balance, Auto Pay, usage, alerts, paperless billing and service turn-on/off. |
|
Pay water without registering |
Account number and payment method. |
Transaction fees apply for no-login billpay; MyWater bank-account one-time payment is listed as free. |
|
Pay water by phone |
16-digit account number and bank/card details. |
Use for Visa, MasterCard, Discover, American Express or electronic check. A $1.95 transaction fee is listed. |
|
Water emergency or account help |
Account number, service address, issue type, photo/screenshot if useful. |
Non-emergencies are Monday-Friday, 7 a.m.-7 p.m.; emergencies and self-service are 24/7. |
|
Start or stop water service |
TAWC New Customers or MyWater |
New address, requested date, account information, installation/service question. |
For ordinary residential turn-on, use MyWater or call. For new installation, review timing and possible engineering review. |
Pay City sewer fee online |
Account number or new Billing ID number from statement. |
You may pay as guest if not registered. New online profiles need the new Billing ID number from the next billing statement. |
|
Pay City sewer by phone |
Sewer account or billing ID and payment method. |
The automated sewer payment system is available 24 hours a day. |
|
City sewer billing problem |
Call 311 or 423-643-6311 |
Sewer statement, account number/Billing ID, water usage, payment proof. |
Call 423-643-6311 if customer ID/billing ID payment fails or if sewer charge looks wrong. |
Sewer line issue |
Call 311 or 423-643-6311 |
Address, cleanout/manhole location, backup/leak details, when issue started. |
City says call 311 before calling a plumber because the problem may be in the main line. |
Hixson Utility water customer |
Service address and water provider on your bill. |
The City page lists Hixson Utility separately from Tennessee American Water for water-bill routing. |
Quick answer: for most Chattanooga water bills, use Tennessee American Water MyWater or call 1-866-736-6420. For City of Chattanooga sewer fees, use the City sewer payment page, call sewer pay-by-phone at 1-844-898-3672, or call 311 / 423-643-6311 for sewer billing or sewer-line issues.
Who Handles Water, Sewer and Wastewater in Chattanooga?
The main reason Chattanooga utility searches get confusing is the provider split. “Water” and “sewer” may be on separate systems, separate portals and separate phone routes even when both charges are tied to the same property.
Tennessee American Water
Use for many Chattanooga-area water bills, MyWater login, water start/stop service, water emergencies, payment assistance, water quality and drinking-water usage.
City sewer fees
Use Chattanooga.gov sewer payment for City sewer fees, Billing ID setup, sewer pay-by-phone, sewer payment center and sewer-billing help.
City wastewater system
Use 311 or 423-643-6311 for sewer leakage, sewer complaints and sewer main concerns. The City operates the Moccasin Bend regional wastewater system.
Address matters
Some properties may use Hixson Utility or another route. Always check the provider name on the water bill before paying online.
Question |
Correct place to start |
Why it matters |
|---|---|---|
“Where do I pay my Chattanooga water bill?” |
Tennessee American Water MyWater, unless your bill names another water provider. |
The City sewer portal does not replace the water provider’s MyWater login. |
“Why do I have a sewer bill?” |
City of Chattanooga Sewer Fees / Wastewater Customer Service. |
Sewer service charges are based on water consumption from meter readings and are billed separately through the City sewer system. |
“Who do I call before plumber for sewer backup?” |
311 or 423-643-6311. |
The City says the issue may be in the main line, which could save a private plumbing bill. |
“Who handles water quality?” |
Tennessee American Water, 1-866-736-6420. |
The Chattanooga/Hamilton County water source is the Tennessee River, and TAWC publishes annual water quality reports. |
“Who handles industrial sewer credits or sewer location?” |
Wastewater routing at 423-643-7400; 811 for sewer location. |
Industrial/commercial sewer credits, new industry and taps have separate technical routing. |
Official Chattanooga Water and Sewer Phone Numbers
Tennessee American Water
Customer service: 1-866-736-6420
Business hours: Monday-Friday, 7 a.m.-7 p.m.
Emergency: call 24/7.
TAWC correspondence
Mail correspondence:
Tennessee American Water
109 Wiehl Street
Chattanooga, TN 37403
City sewer payment center
Address:
1250 Market Street, Suite 1008
Chattanooga, TN 37402
Hours: Monday-Friday, 8 a.m.-4:30 p.m.
Route |
Official contact |
Use for |
Practical tip |
|---|---|---|---|
Tennessee American Water customer service |
1-866-736-6420; TDD 711. |
Water account, emergency, start/stop, balance, service issue, MyWater help. |
The contact page suggests shorter wait times Tuesday-Friday, 11 a.m.-4 p.m. |
Tennessee American Water phone payment |
1-855-748-6066. |
Pay water bill by card or electronic check. |
Have the 16-digit account number from the bill ready. |
Tennessee American Water payment mail |
Tennessee American Water, P.O. Box 6029, Carol Stream, IL 60197-6029. |
Mail check with payment stub. |
No cash, staples or paper clips. |
City sewer billing and sewer issues |
311 or 423-643-6311. |
Sewer billing questions, sewer leakage and sewer complaints. |
Call before hiring plumber when sewer line/main issue is possible. |
City sewer pay by phone |
1-844-898-3672. |
Automated 24-hour sewer payment. |
Use Billing ID/account number from current sewer statement. |
City sewer payment center |
1250 Market Street, Suite 1008, Chattanooga, TN 37402. |
In-person sewer fee payment. |
Walmart, cash-advance facilities and convenience stores are not authorized sewer payment locations. |
Hixson Utility water |
423-877-3513. |
Water-bill questions if your bill/provider is Hixson Utility. |
Do not pay Tennessee American if your bill names Hixson Utility. |
Bill Pay and Login: MyWater and Chattanooga Sewer Portal Steps
1. Identify bill type
Water bill: Tennessee American Water or Hixson Utility. Sewer bill: City of Chattanooga sewer fee statement.
2. Use correct login
Use MyWater for Tennessee American Water. Use Chattanooga sewer payment portal for City sewer fees.
3. Confirm account ID
Water uses a 16-digit account number. Sewer portal may need the new Billing ID number from statement.
4. Save proof
Keep confirmation, amount, account number, payment method and date.
Payment method |
How it works |
Fee / posting note |
Best for |
|---|---|---|---|
MyWater bank-account payment |
Log in and make a one-time payment using bank account. |
Tennessee American Water lists this service as free of charge. |
Lowest-cost online water payment. |
MyWater card payment |
Log in and pay by credit card. |
$1.95 fee listed for one-time credit-card payment. |
Fast water payment with fee. |
Auto Pay |
Enroll in MyWater to schedule automatic payments on due date. |
Checking/savings Auto Pay has no additional charge; credit-card Auto Pay has $1.95 per transaction. |
Customers who want to avoid late payments. |
No-login American Water billpay |
Use amwater.com/billpay / Paymentus route without registering. |
Transaction fees apply for all payment methods. |
One-time payment when not setting up MyWater profile. |
Water phone payment |
Call 1-855-748-6066. |
$1.95 transaction fee listed; 16-digit account number required. |
Phone payment by card or electronic check. |
Water by mail |
Send stub and check to Tennessee American Water, P.O. Box 6029, Carol Stream, IL 60197-6029. |
Mail delay can still cause late or shutoff risk. |
Non-urgent water payment. |
Water in person |
Use authorized payment locations with barcode on Tennessee American Water bill. |
Bring bill/barcode and know amount due. |
Cash/local payment users. |
Sewer online |
Use City Sewer Fees page; registered users can set AutoPay by card, debit card or bank account. |
Guest pay is available with account number. |
City sewer fee payment and recurring sewer payment setup. |
Sewer phone |
Call 1-844-898-3672. |
Automated 24-hour sewer payment. |
Pay sewer without visiting the payment center. |
Sewer in person |
1250 Market Street, Suite 1008, 8 a.m.-4:30 p.m. Monday-Friday; First Horizon only if account is not past due. |
Walmart, cash advance facilities and convenience stores are not authorized sewer payment locations. |
Sewer payment with staff/payment-center help. |
Start, Stop or Move Chattanooga Water Service
Residential turn-on
- Use MyWater online or call 1-866-736-6420.
- Have service address and account/customer information ready.
- Ask whether ordinary activation or new service installation applies.
- Confirm whether your address is Tennessee American or another water provider.
Service fee
- TAWC new customer page says ordinary home service fee is $25 and applied to first bill.
- Current rate page also notes a $25 activation fee any time water service is activated.
- Irrigation/fire/commercial service may use a different fee schedule.
- Ask before turning off seasonal irrigation meter.
New installation
- Application may be processed within 5-10 business days after receipt.
- Street opening permits and utility markout may be needed.
- Entire new-service installation can take up to 16 weeks in some cases.
- Main-extension questions route to engineering.
Stop / move
- Use MyWater to turn service on/off.
- Provide stop date and forwarding information.
- Check sewer account separately if City sewer fees are billed separately.
- Save confirmation for both water and sewer actions.
Move-in warning: if the property has Tennessee American Water for water but City of Chattanooga sewer for wastewater, starting water service does not necessarily create or fix a sewer-billing portal profile. Watch for the sewer statement and Billing ID number.
2026 Water and Sewer Rates, Fees and Bill Checks
Tennessee American Water rates are regulated by the Tennessee Public Utility Commission and can vary by district, customer class and meter size. The City sewer charge is separate and is calculated from water meter readings, with residential sewer rules that reduce/cap some usage differently from the water bill.
TAWC current rate basis
TAWC says TPUC-approved new water rates and fees became effective January 21, 2025 and remain the current posted rate framework for customer checks.
$25 activation
TAWC lists a $25 activation fee any time water service is activated, such as new service or re-starting an irrigation meter.
$30 nonpay disconnect
TAWC lists $30 for disconnection due to non-payment of water bill.
$92 tampering fee
TAWC says a $92 tampering fee may be added if someone other than TAWC employees/contractors turns the meter valve on or off.
Bill line |
Who sets it |
How to review it |
Common mistake |
|---|---|---|---|
Water service charge / usage |
Tennessee American Water, TPUC-regulated. |
Compare meter size, customer class, account district and water usage. |
Comparing with a Hixson Utility or non-TAWC neighbor. |
Activation fee |
Tennessee American Water. |
Look for $25 activation/new-service context. |
Assuming service turn-on is free. |
Disconnect for nonpayment |
Tennessee American Water. |
Look for $30 disconnection fee and any past-due balance. |
Paying partial balance without confirming restoration amount. |
Meter valve tampering |
Tennessee American Water. |
Ask before touching meter valve; use home shut-off valve instead. |
Turning off/on the utility meter valve yourself. |
City sewer service charge |
City of Chattanooga Wastewater. |
Compare water meter usage, residential cap/reduction rules and sewer account/Billing ID. |
Thinking high sewer bill is controlled by MyWater only. |
Residential sewer usage treatment |
City of Chattanooga. |
City page says residential sewer charges are reduced by 10% for non-sewer outdoor usage and capped monthly up to 12,000 gallons unless meter minimum is higher. |
Expecting separate pool credits; City says swimming pool credits are no longer issued. |
Industrial/commercial sewer surcharge |
City of Chattanooga Wastewater. |
Industries with high BOD/solids may pay extra and significant users may pay annual permit fee. |
Using residential sewer assumptions for commercial/industrial account. |
Hixson Utility water bill |
Hixson Utility. |
Call 423-877-3513 if that is your provider. |
Paying the wrong company because the address is in greater Chattanooga. |
2026 rate note: Chattanooga’s visible sewer customer-service page still labels the public sewer treatment table as “Fiscal Year 2025 as of 10/1/2024.” Use your current sewer statement, City sewer portal and 311/423-643-6311 for exact 2026 account billing questions.
City of Chattanooga Sewer Bill, Billing ID and Sewer Issues
Guest pay
If you do not have a registered sewer online account, the City says you may pay as a guest by entering your account number.
New Billing ID
Before creating a new online profile, obtain the new Billing ID number from your next sewer billing statement.
Payment center
Visit 1250 Market Street, Suite 1008, from 8 a.m.-4:30 p.m. Monday-Friday.
Call before plumber
For sewer-line problems, call 311 or 423-643-6311 first because it may be a main-line issue.
Sewer task |
Official route |
What to prepare |
|---|---|---|
Pay online |
City Sewer Fees page and Pay Sewer link. |
Account number or Billing ID; payment method. |
Create sewer profile |
Use new Billing ID number from statement. |
Username/password and current sewer statement. |
Pay by mail |
City of Chattanooga, PO Box 591, Chattanooga, TN 37401-0591. |
Check payable to City of Chattanooga; no cash. |
Priority/overnight mail |
City of Chattanooga Wastewater Department, 1250 Market ST, STE 1008, Chattanooga, TN 37402-2713. |
Use this for FedEx, UPS and USPS Priority Mail. |
Pay by phone |
1-844-898-3672. |
Billing ID/account number and payment method. |
Pay in person |
Sewer Payment Center, 1250 Market Street, Suite 1008. |
Statement and payment method. |
First Horizon Bank option |
Area First Horizon Bank locations only if account is not past due. |
Current statement and account in good standing. |
Payment failure with customer ID |
Call 423-643-6311. |
Old customer ID, new Billing ID, statement and error message. |
Sewer leakage / complaint |
Call 311 or 423-643-6311. |
Exact address, manhole/cleanout location, backup/overflow detail. |
Sewer taps |
423-643-5884. |
Property address, project type, contractor, tap/location question. |
Water Quality, Tennessee River Source and Emergency Reporting
Tennessee River source
Tennessee American Water says drinking water for the Chattanooga/Hamilton County area comes from the Tennessee River.
Annual reports
Water providers publish annual Consumer Confidence Reports, and Tennessee American Water released 2025 Water Quality Reports online in April 2026.
24/7 emergencies
Call 1-866-736-6420 for Tennessee American Water emergencies; water emergencies do not keep business hours.
Water-quality topic |
Official detail |
Customer next step |
|---|---|---|
Source water |
Chattanooga/Hamilton County drinking water comes from the Tennessee River. |
Use the current Water Quality Report for exact monitoring results. |
Consumer Confidence Report |
TAWC publishes water quality reports under the Water Quality section. |
Read the newest report before relying on old neighborhood claims. |
Treatment |
TAWC water-quality FAQ lists treatment substances including powdered activated carbon, chlorine, coagulant and corrosion inhibitor. |
Call if taste/odor/color suddenly changes at your address. |
Water clarity recognition |
TAWC notes participation in Partnership for Safe Water and long-running water-quality recognition. |
Use report data for facts, not social posts. |
Lead and service line concern |
Lead exposure can relate to customer plumbing and service line material, not only the water source. |
Ask TAWC for lead/service line guidance if your property received a notice or has old plumbing. |
Discolored water |
May be local plumbing, main work, hydrant flushing or distribution issue. |
Call 1-866-736-6420 with address, affected taps, hot/cold/all taps and start time. |
No water / main break |
Emergency route is 24/7 through TAWC. |
Call immediately, then check nearby neighbors and visible street leak if safe. |
Sewer backup mistaken for water issue |
Sewer backup/overflow routes to City 311 or 423-643-6311. |
Separate tap-water issue from drain/sewer backup before calling. |
Payment Assistance, Budget Billing and Shutoff Prevention
Budget Billing
Tennessee American Water lists Budget Billing as a free service for eligible residential customers who want predictable monthly payments.
Project Water Help
Project Water Help provides emergency assistance funding for qualifying Tennessee American Water customers.
United Way
Customers unable to pay can contact United Way’s Help Line by dialing 211, with alternate numbers for out-of-area codes and Georgia customers.
Need |
Route |
Prepare before calling |
|---|---|---|
Cannot pay water bill |
Call TAWC 1-866-736-6420 before due date and use United Way / Project Water Help route. |
Account number, amount due, due date, shutoff notice and hardship reason. |
Local assistance with 423 area code |
Dial 211. |
Water bill, ID, income/hardship details and service address. |
Out-of-state area code |
Call 1-423-265-8000. |
Same documents; explain you are a Tennessee American Water customer. |
Georgia customer assistance route |
Call 1-866-921-3035. |
Bill, account number and address in eligible Georgia service area. |
Predictable monthly amount |
Ask about Budget Billing through MyWater or customer service. |
Account standing and 12-month usage/billing pattern. |
Third-party bill notices |
Set up third-party notification through MyWater or customer service. |
Trusted relative, trustee or social service organization contact details. |
Sewer bill hardship or billing issue |
Call 311 or 423-643-6311. |
Sewer account/Billing ID, statement, payment proof and water usage details. |
Chattanooga Wastewater System: What Customers Should Know
Moccasin Bend
The City Wastewater Department operates and maintains the regional wastewater treatment plant known as Moccasin Bend.
Regional system
The interceptor sewer system serves Chattanooga and a surrounding metropolitan area with an estimated population of about 400,000.
Large network
The system includes about 1,263 miles of sewer lines, pump stations, CSO facilities and residential/grinder stations.
System fact |
Why it matters for a bill or service call |
|---|---|
Regional wastewater plant and interceptor system |
Customers outside the core City may still interact with Chattanooga regional sewer service depending on area and provider relationship. |
Service includes areas beyond Chattanooga |
The system serves multiple nearby communities and portions of Tennessee/Georgia areas, so address-specific routing is important. |
Sewer charges based on water meter readings |
A water leak or irrigation pattern may raise the sewer calculation unless residential cap/reduction rules apply. |
Residential sewer cap and no pool credits |
The City page says residential sewer charges are capped up to 12,000 gallons and swimming pool credits are no longer issued. |
Combined sewer/CSO facilities |
Heavy rain and older combined infrastructure can create system work, public notices and main-line calls. |
Industrial/commercial surcharges |
Business users with high-strength wastewater should not rely on residential billing assumptions. |
Map: Chattanooga Sewer Payment Center and Tennessee American Water Correspondence
Use the map for the City sewer payment center at 1250 Market Street, Suite 1008. Tennessee American Water’s correspondence address is 109 Wiehl Street, while water bill payments by mail go to the Carol Stream, Illinois payment lockbox.
Location / route |
Address / phone |
Best use |
|---|---|---|
City sewer payment center |
1250 Market Street, Suite 1008, Chattanooga, TN 37402; 8 a.m.-4:30 p.m. Monday-Friday. |
In-person sewer fee payment and sewer payment help. |
City sewer mail |
City of Chattanooga, PO Box 591, Chattanooga, TN 37401-0591. |
Mail ordinary sewer check payment; no cash. |
City sewer priority/overnight mail |
City of Chattanooga Wastewater Department, 1250 Market ST, STE 1008, Chattanooga, TN 37402-2713. |
FedEx, UPS and USPS Priority Mail sewer payments/documents. |
Tennessee American Water correspondence |
109 Wiehl Street, Chattanooga, TN 37403. |
Correspondence, not the water payment lockbox. |
Tennessee American Water payment mail |
Tennessee American Water, P.O. Box 6029, Carol Stream, IL 60197-6029. |
Mail water bill payment with stub. |
TAWC customer service |
1-866-736-6420. |
Water account, service, emergency and MyWater support. |
City sewer billing help |
311 or 423-643-6311. |
Sewer billing, sewer leakage, sewer complaints and main-line questions. |
Chattanooga Water Utility FAQ
Who provides water service in Chattanooga?
Many Chattanooga water customers are served by Tennessee American Water. Some addresses may use Hixson Utility or another provider, so check the provider name on the bill before paying.
What is the Chattanooga water bill phone number?
For Tennessee American Water, call 1-866-736-6420. Non-emergency customer service is Monday-Friday, 7 a.m.-7 p.m., while emergencies and self-service are available 24/7.
Where do I pay my Tennessee American Water bill online?
Use MyWater at login.amwater.com to pay, check balance, turn service on/off, sign up for alerts, view usage and set paperless billing. You may also pay without registering through the American Water one-time payment route, but transaction fees apply.
What is the Tennessee American Water phone payment number?
Call 1-855-748-6066 to pay by Visa, MasterCard, Discover, American Express or electronic check. Have the 16-digit account number from the bill ready. Tennessee American Water lists a $1.95 transaction fee for phone payment.
Where do I mail a Tennessee American Water payment?
Mail the payment stub and check to Tennessee American Water, P.O. Box 6029, Carol Stream, IL 60197-6029. Do not mail cash, staples or paper clips.
How do I pay Chattanooga sewer fees?
Use the City of Chattanooga Sewer Fees page to pay online, pay as guest or create a profile with the new Billing ID number from the sewer statement. You can also pay by phone at 1-844-898-3672, by mail to PO Box 591, or in person at 1250 Market Street, Suite 1008.
Who do I call for Chattanooga sewer billing questions?
Call 311 or 423-643-6311 for sewer billing questions. If you cannot make a payment using your customer ID number, the City sewer payment page also directs customers to 423-643-6311 for help.
Who do I call for a sewer backup or sewer line issue?
Call 311 or 423-643-6311 before calling a plumber. Chattanooga says there could be a main-line problem, which may save you a plumbing bill.
Where does Chattanooga drinking water come from?
Tennessee American Water says drinking water for the Chattanooga/Hamilton County area comes from the Tennessee River, a significant surface water source. Customers should read the current annual Water Quality Report for detailed results.
Does Tennessee American Water offer bill assistance?
Yes. Tennessee American Water lists Budget Billing for eligible residential customers and Project Water Help for emergency assistance. Customers unable to pay can contact United Way by dialing 211, or use 1-423-265-8000 for out-of-state area codes and 1-866-921-3035 for Georgia customers.
30-Second Chattanooga Water Utility Checklist
Water login: use MyWater for Tennessee American Water at login.amwater.com.
Water phone: customer service and 24/7 emergency route is 1-866-736-6420; phone payment is 1-855-748-6066.
Water mail: Tennessee American Water, P.O. Box 6029, Carol Stream, IL 60197-6029.
Sewer pay: use Chattanooga.gov Sewer Fees, call 1-844-898-3672, mail PO Box 591, or visit 1250 Market Street, Suite 1008.
Sewer help: call 311 or 423-643-6311 for sewer billing, sewer leakage and sewer complaints.
High bill: separate water provider, water usage, sewer charge, residential sewer cap/reduction, payment fees, activation/disconnect/tampering fees, leak patterns and wrong-provider payments before calling.

Editorial Team
WaterBillGuide.us
The content on WaterBillGuide.us is researched and prepared by our editorial team. Our writers and researchers review publicly available information from official utility websites and service portals to create clear, step-by-step informational guides.
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