Area data
Chattanooga, TN — ZIP 37407
Population: 9,156 (Census ACS)
The median home value in ZIP 37407 (Chattanooga, TN) is $126,626 — down 3.8% over the past year. Typical rent runs $1,323/month. 3 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 9.5% below the US average (BEA, metro/state-level).
$126,626
Median home value
-3.8%
1-year change
Relatively Moderate
Hazard risk (county)
Home values & appreciation
- Median home value
- $126,626
- 1-year appreciation
- -3.8%
- 3-year appreciation
- +4.5%
- 5-year appreciation
- +25.5%
- 10-year appreciation
- +178.9%
- All-time peak (2025-02)
- $134,753
- House Price Index (state)
- 475.9 (+0.5% YoY)
Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)
Market activity
- For-sale inventory
- 22
- 1-year forecast
- -0.3%
- New listings (monthly)
- 9
Source: recent area sales and market data (ZIP-level)
Rents
- Typical rent
- $1,323/mo
- Studio fair-market rent
- $1,030/mo
- 1BR fair-market rent
- $1,070/mo
- 2BR fair-market rent
- $1,180/mo
- 3BR fair-market rent
- $1,470/mo
- 4BR fair-market rent
- $1,570/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)
- 90.5 (100 = US avg)
- Electricity rate (state-level)
- 13.2¢/kWh
- Natural gas rate (state-level)
- $11.80/MCF
- 30-year mortgage rate (national)
- 6.66%
- 15-year mortgage rate (national)
- 6.00%
Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)
Schools
- Total schools
- 3
- Elementary schools
- 2
- Middle schools
- 1
- High schools
- 0
- Schools include
- Clifton Hills Elementary, East Lake Elementary, East Lake Academy Of Fine Arts
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)
- coldWave: Relatively Moderate · drought: Relatively Low · earthquake: Relatively Moderate · hail: Relatively Moderate · heatWave: Relatively Low · hurricane: Relatively Low
- 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 (2.2 mi)
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
- 58.0°F
- Average high
- 67.0°F
- Average low
- 49.0°F
- Annual precipitation
- 60.6 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
- Moderate
- Median AQI (annual)
- 51
- Days with Good air quality
- 175
- Days with Moderate air quality
- 187
- Highest AQI recorded (year)
- 137
Source: EPA air quality data (nearest monitoring station, annual)
Amenities
- National parks within ~60 mi
- 3
- 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
- 24
- Nearest airport
- Chattanooga Metropolitan Airport (Lovell Field) (CHA) (5 mi)
- Nearest major airport
- Chattanooga Metropolitan Airport (Lovell Field) (CHA) (5 mi)
- Hospitals nearby (~15 mi)
- 1,090
- Hospitals include
- MIZELL MEMORIAL HOSPITAL, CRENSHAW COMMUNITY HOSPITAL, CRENSHAW COMMUNITY HOSPITAL
- Avg hospital rating (CMS)
- 3.1 / 5
- Best hospital rating nearby (CMS)
- 5.0 / 5
- EV charging stations (within 10 mi)
- 196
- 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
- 1,955
- Housing built before 1970
- 70.1%
- Housing built 2000 or later
- 7.3%
- Median annual property tax
- $809
- Mean commute to work
- 19 min
- Households with broadband internet
- 59.0%
Source: Census ACS 5-year estimates (ZIP-level)
Employment & development
- Total county employment
- 192,511
- Average weekly wage
- $1,212
- Top industries (by employment)
- Health Care, Accommodation & Food, Administrative Services
- Annual residential building permits (county)
- 1,044
Sources: BLS QCEW (county-level) · Census Building Permits (county-level)
How it compares
| ZIP 37407 | State median | US median | |
|---|---|---|---|
| Median home value | $126,626 | $269,649 | $289,727 |
| Typical rent | $1,323/mo | $1,597/mo | $1,808/mo |
| Median annual property tax | $809 | $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 ZIP 37407?
- $126,626.
- What is typical rent in ZIP 37407?
- Typical rent: $1,323/month.
- What is the natural-hazard risk in ZIP 37407?
- Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: iceStorm, inlandFlooding, lightning, strongWind, tornado.
- What is the wildfire risk in ZIP 37407?
- 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 ZIP 37407?
- Moderate radon potential — EPA Zone 2 of 3, county-level. EPA recommends testing every home regardless of zone.
- Are there Superfund sites near ZIP 37407?
- 1 current or proposed National Priorities List site within 5 miles (EPA). Nearest site: Southside Chattanooga Lead, 2.2 mi.
- How many schools serve ZIP 37407?
- 3 schools (2 elementary, 1 middle) (NCES, 2022-23).
- What is the air quality in ZIP 37407?
- Moderate. Median AQI: 51. (EPA AQI).
- What is the cost of living in ZIP 37407?
- Regional Price Parity: 90.5 (100 = US average) (Below Average) (BEA RPP, metro/state-level).
Nearby ZIP codes
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Data last updated
Most recent source refresh: Sep 2026. See all data sources →