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Chattanooga city, TN

ZIP 37410 — Housing & Real Estate

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

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 37410

Median Home Value
$133,800
Median Rent
$552
Affordability Snapshot
$37,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$859/mo PITI).

30%
Rent-to-Income Ratio

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

6.0x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

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 37410 in Chattanooga city, TN, a household would need roughly $37,000 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 $859. That is about 67% above the local median household income ($22,127), 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.

Housing Tenure

Vacancy rate 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
22.7%-65% vs US avg
x
Vacancy Rate
22.4%+117% vs US avg
x
Broadband Access
86.0%-1% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
8.2%-36% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
33.4%-33% vs US avg
x
Mortgage-Free
63.8%+67% vs US avg
x
$133,800
Home Value
$552
Rent
1970
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached45.7%
  • 1-unit attached9.0%
  • 2-9 units36.1%
  • 10+ units9.2%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$133,800
Median rent$552
Owner-occupied22.7%
Vacant22.4%
Price-to-income6.0x
Est. income to buy$37,000