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.
See the full metro analysis: Chattanooga, TN-GA stress score, crash risk, and 12-month forecast →
Home Value$312,219
-1.2%
Rent$1,529/mo
AFFORDABILITYRenting $401/mo cheaper ($1,529 rent)6.50% 30yr, 20% down, county tax + TN ins. 28% per HUD.
Enter your income for Chattanooga.
$62,444 on $312,219
Stretch — 30.9% of income
Above 28% but manageable with cuts.
PITI$1,930
P/I30.9%
Afford$283K
Gap-$29K
P&I $1,579Tax $185Ins $167
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in Tennessee
Compare Chattanooga with other housing markets across Tennessee.
Full Chattanooga, TN-GA analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Chattanooga, TN-GA metro.
View Chattanooga, TN-GA metro →