The median home in Chattanooga, Tennessee is valued at $312,219, down 1.2% year over year. Typical monthly rent is $1,529, producing a price-to-rent ratio of 17x — near the national average of 18x. Chattanooga is part of the Chattanooga, TN-GA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$312,219

-1.2%

Rent$1,529/mo

Prices falling — better for buyers.

Affordability

Enter your income for Chattanooga.

Income (annual)

Down Payment

$62,444 on $312,219

Example: $75,000 household income. Change it above to see your own.

Stretch30.9% of income

Above 28% but manageable with cuts.

PITI$1,930

P/I30.9%

Afford$283K

Gap-$29K

P&I $1,579Tax $185Ins $167

Renting $401/mo cheaper ($1,529 rent)6.50% 30yr, 20% down, county tax + TN ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Tennessee

Compare Chattanooga with other housing markets across Tennessee.

Brentwood$1.39M College Grove$1.23M Arrington$1.13M Lookout Mountain$977K Franklin$904K Nolensville$819K Thompsons Station$728K Eads$681K

Full Chattanooga, TN-GA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Chattanooga, TN-GA metro.

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