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Area data

Chattanooga, TN — ZIP 37405

Population: 18,109 (Census ACS)

The median home value in ZIP 37405 (Chattanooga, TN) is $453,990 — up 0.6% over the past year. Homes sell for a median $497,000 after a median 42 days on market. Typical rent runs $1,544/month. 3 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Moderate, with icestorm, inlandflooding, lightning the top-rated hazards. Cost of living is 8.1% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$453,990

Median home value

+0.6%

1-year change

42

Median days on market

Relatively Moderate

Hazard risk (county)

Home values & appreciation

Median home value
$453,990
1-year appreciation
+0.6%
3-year appreciation
+5.8%
5-year appreciation
+24.0%
10-year appreciation
+79.2%
All-time peak (2026-03)
$456,413
House Price Index (state)
484.9 (+0.8% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$497,000
Median list price
$489,000
Median price per sqft
$296
1-year sale-price change
-8.4%
Median days on market
42 days
Homes sold (recent period)
136
For-sale inventory
189
Sale-to-list ratio
98.0%
Active listings
182
1-year forecast
+0.3%
Days to pending
81 days
New listings (monthly)
38

Source: recent area sales and market data (ZIP-level)

Rents

Typical rent
$1,544/mo
1-year rent change
+3.6%
Studio fair-market rent
$1,181/mo
1BR fair-market rent
$1,231/mo
2BR fair-market rent
$1,340/mo
3BR fair-market rent
$1,657/mo
4BR fair-market rent
$1,761/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Below Average)
91.9 (100 = US avg)
Electricity rate (state-level)
13.2¢/kWh
Natural gas rate (state-level)
$11.80/MCF
30-year mortgage rate (national)
7.40%
15-year mortgage rate (national)
6.73%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
3
Elementary schools
2
Middle schools
0
High schools
1
Schools include
Red Bank Elementary School, Normal Park Museum Magnet School, Chattanooga High School Center for Creative Arts

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Moderate
Top hazards (county)
iceStorm, inlandFlooding, lightning, strongWind, tornado
Notable hazard ratings (county)
hail: Relatively Moderate · drought: Relatively Low · tornado: Relatively High · coldWave: Relatively Moderate · heatWave: Relatively Low · iceStorm: Relatively High
Wildfire risk to homes (county)
Higher than 68% of US counties
Buildings in wildfire direct-exposure zone
53.5%
Radon potential (county)
Moderate radon potential — EPA Zone 2 of 3
EPA Superfund (NPL) sites within 5 mi
1
Nearest Superfund site
Southside Chattanooga Lead (3.3 mi)
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Annual precipitation
57.6 in
USDA plant hardiness zone
7b (extreme annual low 5 to 10°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Air quality

Air quality rating
Good
Median AQI (annual)
44
Days with Good air quality
237
Days with Moderate air quality
126
Highest AQI recorded (year)
141

Source: EPA air quality data (nearest monitoring station, annual)

Amenities

National parks within ~60 mi
3
Nearest national park
Chickamauga & Chattanooga National Military Park (10 mi)
National parks include
Chickamauga & Chattanooga National Military Park, Russell Cave National Monument, Little River Canyon National Preserve
Airports within 30 mi
19
Nearest airport
Chattanooga Metropolitan Airport (Lovell Field) (CHA) (7 mi)
Nearest major airport
Chattanooga Metropolitan Airport (Lovell Field) (CHA) (7 mi)
Hospitals nearby (~15 mi)
1
Hospitals include
MOCCASIN BEND MENTAL HEALTH INSTITUTE
Solar radiation rating
Fair (4.3 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
+2,003 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,981
Housing built before 1970
37.2%
Housing built 2000 or later
31.1%
Median annual property tax
$3,300
Mean commute to work
15 min
Households with broadband internet
83.5%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
196,986
Average weekly wage
$1,292
Top industries (by employment)
Health Care, Accommodation & Food, Administrative Services
Annual residential building permits (county)
1,887

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 37405State medianUS median
Median home value$453,990$269,266$288,527
Median sale price$497,000$315,000$325,000
Median days on market42 days73 days51 days
Typical rent$1,544/mo$1,599/mo$1,809/mo
Median annual property tax$3,300$970$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 37405?
$453,990.
What is the median sale price in ZIP 37405?
$497,000.
How long do homes take to sell in ZIP 37405?
Median days on market: 42 days.
What is typical rent in ZIP 37405?
Typical rent: $1,544/month.
What is the natural-hazard risk in ZIP 37405?
Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: iceStorm, inlandFlooding, lightning, strongWind, tornado.
What is the wildfire risk in ZIP 37405?
Risk to homes is higher than 68% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 37405?
Moderate radon potential — EPA Zone 2 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 37405?
1 current or proposed National Priorities List site within 5 miles (EPA). Nearest site: Southside Chattanooga Lead, 3.3 mi.
How many schools serve ZIP 37405?
3 schools (2 elementary, 1 high) (NCES, 2022-23).
What is the air quality in ZIP 37405?
Good. Median AQI: 44. (EPA AQI).
What is the cost of living in ZIP 37405?
Regional Price Parity: 91.9 (100 = US average) (Below Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Oct 2026. See all data sources →

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