Rent by ZIP code in Chattanooga
| ZIP code | County | Typical rent | vs city median |
|---|---|---|---|
| 37409 | Hamilton County | $1,809 | +19% |
| 37406 | Hamilton County | $1,579 | +4% |
| 37403 | Hamilton County | $1,563 | +3% |
| 37404 | Hamilton County | $1,546 | +2% |
| 37402 | Hamilton County | $1,514 | 0% |
| 37421 | Hamilton County | $1,514 | 0% |
| 37410 | Hamilton County | $1,508 | 0% |
| 37411 | Hamilton County | $1,491 | -2% |
| 37408 | Hamilton County | $1,388 | -8% |
| 37416 | Hamilton County | $1,335 | -12% |
Rent by bedroom count in Chattanooga
Zillow's index above blends every unit size into one number. For a bedroom level view, these are HUD's FY2027 Fair Market Rents for Hamilton County. They include utilities and sit near the 40th percentile of the market, so treat them as the low side of what a typical unit lists for. Hamilton County uses Small Area FMRs, and the two bedroom figure runs from $1,070 to $1,730 depending on the Chattanooga ZIP code.
| Unit size | FY2027 Fair Market Rent | Change from FY2026 |
|---|---|---|
| Studio | $1,181 | -2.5% |
| 1 bedroom | $1,231 | -2.5% |
| 2 bedroom | $1,340 | -3.6% |
| 3 bedroom | $1,657 | -4.4% |
| 4 bedroom | $1,761 | -5.0% |
Source: HUD Fair Market Rents. Updates when HUD publishes a new fiscal year.
Is rent going up or down in Chattanooga?
Typical rent across Hamilton County is $1,515 as of September 2026. That is up 2.3% from a year earlier and up 18.8% over five years.
| Year | Typical rent, Hamilton County | Change |
|---|---|---|
| 2021 | $1,337 | +17.0% |
| 2022 | $1,417 | +5.9% |
| 2023 | $1,477 | +4.3% |
| 2024 | $1,484 | +0.4% |
| 2025 | $1,495 | +0.8% |
| 2026 (through September) | $1,515 | +1.3% |
Zillow Observed Rent Index for the county, all home types, last published month of each year. Each row is compared with the end of the year before it.
Chattanooga rent questions
- What is the average rent in Chattanooga, TN?
- Typical asking rent in Chattanooga is $1,514 a month as of September 2026, across 10 ZIP codes. By ZIP code it runs from $1,335 to $1,809.
- How much is rent for a 2 bedroom in Chattanooga?
- HUD's FY2027 Fair Market Rent for a two bedroom in Hamilton County is $1,340 a month including utilities. A one bedroom is $1,231 and a three bedroom is $1,657. Fair Market Rent is set near the 40th percentile, so a typical unit lists somewhat higher.
- Is rent going up or down in Chattanooga?
- Rent is rising. Typical rent in Hamilton County is $1,515 as of September 2026, up 2.3% from a year earlier.
- What is the cheapest ZIP code to rent in Chattanooga?
- ZIP 37416 has the lowest typical asking rent in Chattanooga at $1,335 a month, compared with $1,514 for the city overall.
- How much income do you need to rent in Chattanooga?
- Most landlords look for gross income of about three times the rent. At the typical Chattanooga rent of $1,514, that is about $4,542 a month, or $54,504 a year. This is a common screening rule of thumb, and individual landlords set their own.
How to use these numbers
These are Zillow Observed Rent Index values, a smoothed measure of typical asking rent for single family homes, condos, and apartments in each ZIP code. They describe what units are listed for, not what any specific unit will get. Condition, bedroom count, and the exact block all move the number.
If you are underwriting a purchase, use the ZIP figure rather than the city median, and then verify against live listings for the same bedroom count before you commit. Chattanooga sits in the Chattanooga, TN-GA metro area.