ZIP Code 37405 — Chattanooga city, TN Demographics & Data

ZIP code 37405 covers Chattanooga, TN in Marion County with a population of about 18,535.

At a glance, the area shows median age of 36.0 versus a U.S. median of about 38.9.

It sits in telephone area code 423; U.S. House district TN-4; the CHATTANOOGA media market.

Median household income in ZIP 37405 is about $77,850 — about 4% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.3%; unemployment rate near 2.5%; 52.8% of adults with a bachelor’s degree or higher (about 19.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Education; about 14.9% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $416,900 — about 20% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,142 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 48.7% (about 16.7 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 37405 in Chattanooga, TN, a household would need roughly $115,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,678. That is about 48% above the local median household income ($77,850), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Chattanooga city, TN as Relatively Low (composite score 58.2), which is near the middle of the national distribution. The strongest component scores on US5 are flood (61.4) and wildfire (59.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Chattanooga city, TN show little to no average snow and around 58.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 657 for ZIP 37405 (Chattanooga city, TN) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.