Rental Portfolio Benchmarks — Chattanooga, TN
Median-priced single-family metrics for Chattanooga, TN. Use these numbers as the baseline when underwriting a purchase and rolling it into a portfolio. Data as of 2026-06-29.
Modeled deal at $326,370
20% down, 30-year conventional, expenses at 35% of rent. Real numbers, no scenario stacking.
- Cash needed
- $75,065
- down + closing
- Monthly P&I
- $1,711
- 30-yr fixed
- Monthly cash flow
- $-716
- negative
- Cap rate
- 3.66%
- NOI / price
Modeled from HUD/Zillow market medians, not from a specific listing. Use as a first-pass benchmark before running an actual property through the calculator.
Appreciation trend
Home prices in Chattanooga, TN are running +0.0% YoY. Portfolio value tracking assumes this rate persists into your acquisition month; edit the acquisition date on any property to backdate the revaluation model.
Track a Chattanooga, TN rental portfolio
The Pro Portfolio Tracker rolls up every property you underwrite, revalues it monthly against local price trends, and flags equity milestones and DSCR risk. It uses the same market data you see on this page as the appreciation baseline for every Chattanooga, TN property you add.
- • Portfolio roll-up: cash flow, cap rate, cash-on-cash, DSCR across every owned property
- • Monthly market revaluation using Chattanooga, TN-level price data
- • PDF and Excel exports for lenders, accountants and partners
- • Alerts for equity milestones ($100K, $250K, $500K, $1M) and low DSCR
Methodology
Medians are drawn from the latest available Zillow ZHVI/ZORI feed for CBSA 394460. The modeled deal assumes 20% down, a 3% closing cost, a 30-year conventional at 7.50%, and total operating expenses at 35% of gross rent (property tax, insurance, management, maintenance and vacancy combined). Cap rate is NOI over purchase price; cash-on-cash is annual pre-tax cash flow over cash in. These are portfolio-level baselines — actual listings will vary above and below.
Population — · CBSA 394460 · State TN