Chattanooga Housing Market Data 2026
📈 Market Analysis — Chattanooga, TN
**Market Outlook: Chattanooga, Tennessee (2026)**
Chattanooga enters 202
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🏘️ Rent Breakdown — HUD Fair Market Rents
HUD Fair Market Rent represents the 40th percentile of gross rents paid by recent movers in Chattanooga. Used as a benchmark for Section 8 voucher limits and rental market analysis.
| Bedroom Count | Monthly Rent (HUD FMR) | Annual Rental Income | Est. Cap Rate at Median Price |
|---|---|---|---|
| 1 Bedroom | $1,310/mo | $15,720/yr | 3.7% est. |
| 2 Bedrooms | $1,710/mo | $20,520/yr | 4.8% est. |
| 3 Bedrooms | $2,280/mo | $27,360/yr | 6.4% est. |
💰 Cost of Investing in Chattanooga
| Cost Item | Rate / Amount | Est. Annual Cost | Monthly Cost |
|---|---|---|---|
| Property Tax | 0.7% effective rate | $1,967 | $164/mo |
| Homeowners Insurance | Tennessee avg premium | $1,700 | $142/mo |
| Total Tax + Insurance | Based on median home price of $298,000 | $306/mo | |
These figures reflect state-level averages. Property tax rates vary by county; insurance costs vary by property type, age, and claims history. Source: Tax Foundation (2025), NAIC (2024).
⚖️ How Chattanooga Compares to National Averages
National averages calculated across all 69 tracked US investor markets. A cap rate above the national average suggests stronger cash flow potential relative to purchase price.
🗺️ Nearby Markets in Tennessee
🛠️ Tools for Analyzing Chattanooga Deals
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