| Year: | 1981 |
| Team: | Chattanooga Moccasins |
| Sport: | football |
| Conference: | Southern Conference |
| Short Conf: | SoCon |
| Record: | 7–3–1 |
| Conf Record: | 3–2–1 |
| Head Coach: | Bill Oliver |
| Hc Year: | 2nd |
| Captain: | Game captains |
| Stadium: | Chamberlain Field |
The 1981 Chattanooga Moccasins football team represented the University of Tennessee at Chattanooga as a member of the Southern Conference (SoCon) in the 1981 NCAA Division I-A football season. The Moccasins were led by second-year head coach Bill Oliver and played their home games at Charmerlain Field. They finished the season 7–3–1 overall and 3–2–1 in SoCon play to tie for fourth place.[1]