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Chattanooga city, TN

ZIP 37343 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 37343

Median Home Value
$275,300
Median Rent
$1,092
Affordability Snapshot
$76,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,768/mo PITI).

17%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

21.0 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 37343 in Chattanooga city, TN, a household would need roughly $76,000 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 $1,768. That is roughly in line with the local median household income ($79,177). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
77.7%+19% vs US avg
x
Vacancy Rate
6.2%-40% vs US avg
x
Broadband Access
92.7%+7% vs US avg
x
4+ Bedrooms
6.5%-56% vs US avg
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
25.1%-49% vs US avg
x
Mortgage-Free
41.1%+8% vs US avg
x
$275,300
Home Value
$1,092
Rent
1981
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached79.0%
  • 1-unit attached3.6%
  • 2-9 units5.9%
  • 10+ units8.1%
  • Mobile home & other3.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$275,300
Median rent$1,092
Owner-occupied77.7%
Vacant6.2%
Price-to-income3.5x
Est. income to buy$76,000