Section 8 Rent in ZIP 37408
FY2026 Small Area Fair Market Rent for ZIP 37408 in Hamilton County, Tennessee: the exact per-bedroom rents HUD publishes for this ZIP, the estimated payment-standard range, the housing authorities that administer vouchers here, and whether a landlord can legally decline a voucher in Tennessee.
What is the average rent in ZIP 37408?
HUD's Fair Market Rent is the standard benchmark for typical rent in a ZIP code: it is set at the 40th percentile of gross rents (rent plus utilities) that recent movers actually paid in the area. For FY2026, that benchmark is $1,510 for a one-bedroom and $1,660 for a two-bedroom in ZIP 37408. Asking rents on new listings often run somewhat above this figure, and voucher payment standards are set within 90–110% of it — the full per-bedroom table is above.
Estimated payment standard range (2 BR)
Local PHAs set payment standards between 90% and 110% of FMR. Exact figures vary by PHA. The numbers below are the modeled range.
Gross rent before the tenant utility allowance. The PHA's published payment standard is the number that actually applies; verify with the PHA before signing a lease or HAP contract.
ZIP vs county FMR (2 BR)
ZIP 37408 at $1,660 is $270 higher than the Hamilton County county-wide 2 BR FMR of $1,390. In SAFMR metros the ZIP number is what actually applies to an address here, so a voucher stretches further in this ZIP than the county average suggests.
Can a landlord refuse Section 8 in ZIP 37408?
Yes. Tennessee law blocks local governments from requiring voucher acceptance, so landlords in ZIP 37408 can legally decline Section 8 applicants. Listing on a voucher-friendly marketplace is the fastest way to find the landlords who do accept.
Tennessee has no source-of-income protection
Tennessee has NO statewide source-of-income protection. The state legislature has been aggressive about preempting local anti-discrimination measures. Landlords can legally decline voucher applicants. Voucher tenants remain a solid financial option — guaranteed monthly rent, often above local market — but the choice is voluntary.
View statute →Informational only, not legal advice. Laws change, so verify current status before acting on a rejection or making a leasing decision.
Housing authorities serving Hamilton County
Chattanooga Housing Authority
Chattanooga · PHA code TN004
3,919 Section 8 units
The PHA whose jurisdiction covers ZIP 37408 handles the application, the HAP contract, and the unit inspection.
Frequently asked questions
- How much does Section 8 pay for a 2-bedroom in ZIP 37408?
- For ZIP 37408 in Hamilton County, TN, the FY2026 two-bedroom Small Area Fair Market Rent is $1,660 per month. Local housing authorities set the Section 8 payment standard between 90% and 110% of that, roughly $1,495 to $1,825 before the tenant's utility allowance.
- What are the FY2026 Section 8 rent limits for ZIP 37408?
- HUD's FY2026 Small Area Fair Market Rent for ZIP 37408, by bedroom size: studio $1,450, 1-bedroom $1,510, 2-bedroom $1,660, 3-bedroom $2,070, 4-bedroom $2,210. In SAFMR metros the ZIP-level figure, not the county average, is what applies to an address here.
- Which housing authority covers ZIP 37408?
- Vouchers for Hamilton County are administered by Chattanooga Housing Authority. The authority whose jurisdiction covers ZIP 37408 handles the application, the waitlist, the HAP contract, and the unit inspection.
Find Section 8 apartments in ZIP 37408
VoucherMatch connects voucher holders with landlords who accept Section 8, and it is free for renters. Landlords: listings here reach applicants whose voucher already covers the rent above.
SAFMR data published by HUD for FY2026. ZIP 37408 maps to Hamilton County, TN · FIPS 47065. Investors can run these numbers in the RentalCalcs voucher analyzer.