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Chattanooga city, TN

ZIP 37415 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 37415

Median Home Value
$261,900
Median Rent
$1,080
Affordability Snapshot
$72,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,682/mo PITI).

19%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.9x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

20.2 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 37415 in Chattanooga city, TN, a household would need roughly $72,000 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 $1,682. That is roughly in line with the local median household income ($67,027). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
59.8%-9% vs US avg
x
Vacancy Rate
7.8%-24% vs US avg
x
Broadband Access
92.5%+6% vs US avg
x
4+ Bedrooms
3.2%-79% vs US avg
x
Built Pre-1939
6.8%-47% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
22.1%-56% vs US avg
x
Mortgage-Free
42.1%+10% vs US avg
x
$261,900
Home Value
$1,080
Rent
1971
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached62.7%
  • 1-unit attached4.2%
  • 2-9 units14.2%
  • 10+ units17.8%
  • Mobile home & other1.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$261,900
Median rent$1,080
Owner-occupied59.8%
Vacant7.8%
Price-to-income3.9x
Est. income to buy$72,000