How much does Section 8 pay for a 2-bedroom in ZIP 37415?

For ZIP 37415 in Hamilton County, TN, the FY2026 two-bedroom Small Area Fair Market Rent is $1,580 per month. Local housing authorities set the Section 8 payment standard between 90% and 110% of that, roughly $1,420 to $1,740 before the tenant's utility allowance.

What are the FY2026 Section 8 rent limits for ZIP 37415?

HUD's FY2026 Small Area Fair Market Rent for ZIP 37415, by bedroom size: studio $1,380, 1-bedroom $1,440, 2-bedroom $1,580, 3-bedroom $1,970, 4-bedroom $2,110. In SAFMR metros the ZIP-level figure, not the county average, is what applies to an address here.

Which housing authority covers ZIP 37415?

Vouchers for Hamilton County are administered by Chattanooga Housing Authority. The authority whose jurisdiction covers ZIP 37415 handles the application, the waitlist, the HAP contract, and the unit inspection.

Section 8 Rent in ZIP 37415

FY2026 Small Area Fair Market Rent for ZIP 37415 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.

Studio

$1,380

1 BR

$1,440

2 BR

$1,580

3 BR

$1,970

4 BR

$2,110

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.

Low (90%)

$1,420

FMR (100%)

$1,580

High (110%)

$1,740

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 37415 at $1,580 is $190 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 37415?

Yes. Tennessee law blocks local governments from requiring voucher acceptance, so landlords in ZIP 37415 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 37415 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 37415?: For ZIP 37415 in Hamilton County, TN, the FY2026 two-bedroom Small Area Fair Market Rent is $1,580 per month. Local housing authorities set the Section 8 payment standard between 90% and 110% of that, roughly $1,420 to $1,740 before the tenant's utility allowance.
What are the FY2026 Section 8 rent limits for ZIP 37415?: HUD's FY2026 Small Area Fair Market Rent for ZIP 37415, by bedroom size: studio $1,380, 1-bedroom $1,440, 2-bedroom $1,580, 3-bedroom $1,970, 4-bedroom $2,110. In SAFMR metros the ZIP-level figure, not the county average, is what applies to an address here.
Which housing authority covers ZIP 37415?: Vouchers for Hamilton County are administered by Chattanooga Housing Authority. The authority whose jurisdiction covers ZIP 37415 handles the application, the waitlist, the HAP contract, and the unit inspection.

Find Section 8 apartments in ZIP 37415

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.

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Hamilton County overview All of Tennessee

SAFMR data published by HUD for FY2026. ZIP 37415 maps to Hamilton County, TN · FIPS 47065. Investors can run these numbers in the RentalCalcs voucher analyzer.