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TN area data

Chattanooga, TN

Aggregated across 15 ZIP codes in Chattanooga.

Population: 214,646 (Census ACS)

The median home value in Chattanooga, TN is $309,833 — down 2.1% over the past year. Homes sell for a median $372,357 after a median 46 days on market. Typical rent runs $1,503/month. 49 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

$309,833

Median home value

-2.1%

1-year change

46

Median days on market

Relatively Moderate

Hazard risk (county)

Home values & appreciation

Median home value
$309,833
1-year appreciation
-2.1%
3-year appreciation
+2.2%
5-year appreciation
+19.7%
10-year appreciation
+106.6%
All-time peak (2024-10)
$320,785
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
$372,357
Median list price
$339,930
Median price per sqft
$223
1-year sale-price change
+11.0%
Median days on market
46 days
Homes sold (recent period)
62
For-sale inventory
1,259
Sale-to-list ratio
98.0%
Active listings
88
1-year forecast
-0.2%
Days to pending
64 days
New listings (monthly)
305

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

Rents

Typical rent
$1,503/mo
1-year rent change
+2.6%
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
49
Elementary schools
25
Middle schools
9
High schools
13
Charter schools
7
Schools include
Chattanooga School for the Arts and Sciences Upper, Chattanooga School for the Arts and Sciences Lower, Tommie F. Brown Academy, Orchard Knob Elementary School, Orchard Knob Middle School

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 (0.4 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)

Average annual temperature
58.5°F
Average high
67.8°F
Average low
49.9°F
Annual precipitation
57.7 in
Annual snowfall
3.6 in
USDA plant hardiness zone
8a (extreme annual low 10 to 15°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
45
Nearest national park
Chickamauga & Chattanooga National Military Park (4 mi)
National parks include
Chickamauga & Chattanooga National Military Park, Russell Cave National Monument, Little River Canyon National Preserve
Airports within 30 mi
347
Nearest airport
Chattanooga Metropolitan Airport (Lovell Field) (CHA) (2 mi)
Nearest major airport
Chattanooga Metropolitan Airport (Lovell Field) (CHA) (2 mi)
Hospitals nearby (~15 mi)
12
Hospitals include
DEKALB REGIONAL MEDICAL CENTER, HAMILTON MEDICAL CENTER, ADVENTHEALTH GORDON
Avg hospital rating (CMS)
3.4 / 5
Best hospital rating nearby (CMS)
4.9 / 5
EV charging stations (within 10 mi)
180
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
1,971
Housing built before 1970
48.9%
Housing built 2000 or later
26.1%
Median annual property tax
$2,161
Mean commute to work
17 min
Households with broadband internet
76.4%

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

ChattanoogaState medianUS median
Median home value$309,833$269,266$288,527
Median sale price$372,357$315,000$325,000
Median days on market46 days73 days51 days
Typical rent$1,503/mo$1,599/mo$1,809/mo
Median annual property tax$2,161$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 Chattanooga, TN?
$309,833.
What is the median sale price in Chattanooga, TN?
$372,357.
How long do homes take to sell in Chattanooga, TN?
Median days on market: 46 days.
What is typical rent in Chattanooga, TN?
Typical rent: $1,503/month.
What is the natural-hazard risk in Chattanooga, TN?
Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: iceStorm, inlandFlooding, lightning, strongWind, tornado.
What is the wildfire risk in Chattanooga, TN?
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 Chattanooga, TN?
Moderate radon potential — EPA Zone 2 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near Chattanooga, TN?
1 current or proposed National Priorities List site within 5 miles (EPA). Nearest site: Southside Chattanooga Lead, 0.4 mi.
How many schools serve Chattanooga, TN?
49 schools (25 elementary, 9 middle, 13 high) (NCES, 2022-23).
What is the air quality in Chattanooga, TN?
Good. Median AQI: 44. (EPA AQI).
What is the cost of living in Chattanooga, TN?
Regional Price Parity: 91.9 (100 = US average) (Below Average) (BEA RPP, metro/state-level).

ZIP codes in Chattanooga

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Data last updated

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

Data compiled by REAIGENT7 — AI listing platform for real estate agents