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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).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$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)
EPA recommends radon testing for every home regardless of zone.

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 37407State medianUS 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 →

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