Local
Learn about the people, housing, costs and businesses in Chattanooga, Tennessee
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Chattanooga.
True all-in cost — P&I, taxes, insurance & utilities for homes in Chattanooga.
Find and compare lenders active near Chattanooga.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Chattanooga.
Seismic risk and earthquake insurance estimates for Chattanooga.
Wildfire exposure and insurance estimates for Chattanooga.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Chattanooga is approximately 6.899% (6.935% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for ChattanoogaThe median home value in Chattanooga is $293k. The median monthly rent is $1,245. Annual property taxes average $2k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Chattanooga have increased 18.4% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,190/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $51k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Chattanooga is $65k/year.
Calculate your buying powerThe largest employment sectors in Chattanooga are public administration (25%) and healthcare (16%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.