900 Mountain Creek Rd #247 · Chattanooga, TN
Flood risk 8/10 · Major
- FEMA flood zone
- AE
- Chance of flooding over 30 yrs
- 0.78%
- Est. flood insurance / yr
- $1,737 – $8,500
Fire risk 3/10 · Minor
- Est. fire insurance / yr
- $949 – $1,763
Heat risk 6/10 · Moderate
- Hot days now (above 104°F)
- 9 days/yr
- Hot days in 30 yrs
- 26 days/yr
Wind risk 4/10 · Minor
- Chance of severe wind over 30 yrs
- 10.0%
Air-quality risk 4/10 · Minor
- Unhealthy air days now
- 3 days/yr
- Unhealthy air days in 30 yrs
- 4 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the D grade
The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).
- ARV discount +15.0/15.0
- Cash flow +6.9/30.0
- 1% rule +5.4/10.0
- Condition / age +4.0/5.0
- Rent growth +3.9/5.0
- Livability +3.9/5.0
- Schools +2.2/10.0
- DSCR +1.2/10.0
- Appreciation +0.0/10.0
$135,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Fully renovated ground-floor, 2-bedroom, 2-bath condo in the desirable Signal View community with no stairs to navigate! This move-in ready home features new flooring, fresh paint, updated windows, and an HVAC system less than 5 years old. The remodeled kitchen offers new cabinets, countertops, and appliances, while the updated bathrooms feature a beautifully tiled shower and tub surround. Enjoy low-maintenance living with access to community amenities including a resort-style pool, fitness center, playground, picnic areas, and expansive green space for walking. Conveniently located just minutes from downtown Chattanooga, Signal Mountain, shopping, dining, and outdoor recreation, this condo offers the perfect combination of comfort, convenience, and value. (Information is deemed reliable but not guaranteed.
Key facts
- Fitness center
- Updated windows
- Community amenities
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/2.0-bath single-family listed at $135k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $-628 ($-8k/yr) — negative.
- To cash-flow at today's rent, offer at most $44k (67.3% below list).
- Meets the 1% rule at list price ($1k rent vs $135k).
- Recommended offer: $44k (67.3% below list) — sets the bar for cash-flow.
- Cap rate 4.5% vs local median 3.5% in Chattanooga — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.
Location & tenants
- Location reads 78/100 on livability (#3 in TN, #2,582 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A+; Watch: employment D+, crime F.
- Hamilton County (urban): math 31% / reading 31% proficiency, ranked #42 of 139 in TN (top 30%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
- Zoned schools: Red Bank Elementary (math 33% / reading 29%, grade F, #400 of 952 statewide, top 43%, 588 students, 0% FRL); Red Bank Middle School (math 14% / reading 13%, grade F, #236 of 333 statewide, top 71%, 535 students, 0% FRL); Red Bank High School (math 8% / reading 37%, grade F, #156 of 332 statewide, top 49%, 824 students, 0% FRL) — zoned schools average 0% FRL vs 52% district-wide (52 pts lower); this property's tenant base skews higher-income than the district average.
- Market conditions: Rents rising fast (+5.6%/yr); 423 active listings in the ZIP; 35 comparable units currently listed for rent nearby; rentals leasing fast (median 6d on market — plan ~1-2 weeks tenant-placement turnaround); 43% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 2,133 units permitted in Hamilton County in 2024 (405 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $933 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
- Hamilton County population projected at +23% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
Negotiation context
- Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
- 2 sale attempts; this cycle's ask has dropped $27k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.
Risks & watch-outs
- Watch-outs: flood insurance adds $427/mo; HOA is 27% of rent.
- Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); extreme-heat days projected 9→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
- Built in 1975 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
- Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
- The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.
Investment metrics
- 1% rule
- 1.04% ✓
- Cap rate
- 4.50%
- Cash-on-cash
- -6.40%
- DSCR
- 0.72
- GRM
- 8.0
CMA / ARV
- ARV (median comp)
- $208,309
- List price
- $135,000
- Delta
- -28.04%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 900 Mountain Creek Rd Unit R 293 | 0.07mi | 2/2.0 | 1,080 (+4%) | 24mo | $180,000 | $167 | 70 |
| 900 Mountain Creek Rd Unit M 190 | 0.07mi | 2/1.5 | 950 (-8%) | 15mo | $168,700 | $178 | 68 |
| 131 Signal Hills Dr | 0.52mi | 3/2.0 (+1) | 1,032 (-0%) | 3mo | $210,000 | $203 | 68 |
| 900 Mountain Creek Rd Unit K140 | 0.07mi | 2/1.5 | 950 (-8%) | 18mo | $125,000 | $132 | 65 |
| 641 Lullwater Rd | 0.62mi | 2/1.0 | 1,008 (-3%) | 8mo | $259,000 | $257 | 56 |
| 113 Southview St | 0.43mi | 3/2.0 (+1) | 926 (-11%) | 1mo | $285,000 | $308 | 56 |
| 946 Runyan Dr | 0.33mi | 3/1.0 (+1) | 1,140 (+10%) | 15mo | $305,000 | $268 | 46 |
| 620 Lullwater Rd | 0.66mi | 2/2.0 | 1,122 (+8%) | 12mo | $250,000 | $223 | 46 |
| 517 Lullwater Rd | 0.74mi | 3/1.0 (+1) | 1,056 (+2%) | 14mo | $290,000 | $275 | 42 |
| 716 Runyan Dr | 0.34mi | 3/2.0 (+1) | 1,181 (+14%) | 17mo | $285,000 | $241 | 41 |
| 541 Lullwater Rd | 0.72mi | 3/1.0 (+1) | 960 (-7%) | 7mo | $218,000 | $227 | 40 |
| 528 Lullwater Rd | 0.73mi | 3/1.0 (+1) | 1,068 (+3%) | 16mo | $296,600 | $278 | 38 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 5.64% rent growth · sell at horizon
- IRR
- -48.9%
- Equity multiple
- -0.52×
- Total profit
- $-57,552
- Equity at exit
- $20,129
- IRR
- -50.3%
- Equity multiple
- -1.20×
- Total profit
- $-83,007
- Equity at exit
- $11,672
Cash invested: $37,800 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 87 Strongly Landlord-Friendly
- State Tennessee
- 87 Strongly Landlord-Friendly · R+13
- County
- — inherits STATE
- City
- — inherits STATE
Active competition Active MLS
- For sale now
- 9 active · 6 under contract
- Months of supply
- 10.8 mo (9%/mo absorbed)
- Median asking
- $249,900 ($219/sqft)
- Median days on market
- 58 d
- This list price
- 11% of active listings are priced below it
- ARV vs active asking
- -8.3% vs current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 37405
- Rents YoY
- 5.6%
- Active inventory
- 423
- Price-to-rent
- 8.0×
Monthly cashflow live
- Estimated rent
- $1,400 high interval (Pro) →
- Mortgage (P&I)
- −$708
- Tax est. 1.5%
- −$169 /mo · $2,025/yr
- Insurance
- −$56
- Flood insurance flood zone
- −$427 /mo · $5,118/yr
- HOA
- −$375
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$294
- Net cashflow
- $-628
Break-even live
Sensitivity live
| Price | -10% $-535 | -5% $-582 | +0% $-628 | +5% $-675 | +10% $-721 |
|---|---|---|---|---|---|
| Rent | -10% $-739 | -5% $-683 | +0% $-628 | +5% $-573 | +10% $-518 |
| Rate | -1.0pp $-560 | -0.5pp $-594 | base $-628 | +0.5pp $-663 | +1.0pp $-699 |
UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt
Financing live
Cash to close
- Down payment
- $33,750
- Closing costs
- $4,050
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 35 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 900 Mountain Creek Rd Unit A3 Chattanooga, TN | 2.0 | 2.0 | 950 | $1,250 | $1.32 | 6d | 1 | 0.03mi |
| 900 Mountain Creek Rd #376 Chattanooga, TN | 3.0 | 2.0 | 1242 | $1,350 | $1.09 | 5d | 1 | 0.08mi |
| 105 Cross St Chattanooga, TN | 3.0 | 1.0 | 1064 | $2,000 | $1.88 | 119d | 1 | 0.33mi |
| 936 Mountain Creek Rd Chattanooga, TN | 1.0–3.0 | 1.0–2.5 | 1000 | $1,488 | $1.49 | 0d | 24 | 0.43mi |
| 505 Mountain Ridge Rd Chattanooga, TN | 2.0 | 1.5 | 1116 | $1,095 | $0.98 | 119d | 1 | 0.65mi |
| 143 Hendricks Blvd Chattanooga, TN | 1.0–2.0 | 1.0 | 1100 | $1,300 | $1.18 | 0d | 4 | 0.75mi |
| 145 Hendricks Blvd Unit 145-8 Chattanooga, TN | 1.0 | 1.0 | 1000 | $850 | $0.85 | 6d | 1 | 0.75mi |
| 141 Hendricks Blvd Unit 141-6 Chattanooga, TN | 1.0 | 1.0 | 1000 | $899 | $0.90 | 119d | 1 | 0.76mi |
| 141 Hendricks Blvd Apt 3 Chattanooga, TN | 1.0 | 1.0 | 1000 | $1,049 | $1.05 | 109d | 1 | 0.76mi |
| 514 Lullwater Rd Chattanooga, TN | 3.0 | 1.0 | 985 | $1,395 | $1.42 | 0d | 1 | 0.81mi |
| 424 Hedgewood Dr Chattanooga, TN | 3.0 | 1.0 | 1101 | $1,690 | $1.53 | 6d | 1 | 0.90mi |
| 313 California Ave Unit A Chattanooga, TN | 1.0 | 1.0 | 750 | $1,000 | $1.33 | 6d | 1 | 0.92mi |
| 219 Vreeland St Chattanooga, TN | 2.0 | 2.0 | 1092 | $1,900 | $1.74 | 6d | 1 | 1.00mi |
| 217 Sweetland Dr Chattanooga, TN | 2.0 | 1.0 | 844 | $950 | $1.13 | 119d | 1 | 1.01mi |
| 217 Vreeland St Chattanooga, TN | 3.0 | 2.0 | 1400 | $2,145 | $1.53 | 109d | 1 | 1.01mi |
| 217 Sweetland Dr Chattanooga, TN | 2.0 | 1.0 | 846 | $1,100 | $1.30 | 6d | 1 | 1.01mi |
| 167 W Ridgewood Ave Red Bank, TN | 2.0 | 1.0 | 800 | $1,373 | $1.72 | 6d | 1 | 1.05mi |
| 113 Goodson Ave Unit 11 Chattanooga, TN | 2.0 | 1.0 | 711 | $850 | $1.20 | 109d | 1 | 1.06mi |
| 113 Goodson Ave Chattanooga, TN | 2.0 | 1.0 | 711 | $990 | $1.39 | 5d | 1 | 1.06mi |
| 113 Goodson Ave Unit 10 Chattanooga, TN | 2.0 | 1.0 | 711 | $840 | $1.18 | 109d | 1 | 1.06mi |
| 300 W Midvale Ave Chattanooga, TN | 1.0–2.0 | 1.0–1.5 | 1050 | $1,299 | $1.24 | 109d | 4 | 1.09mi |
| 300 W Midvale Ave Chattanooga, TN | 1.0 | 1.0 | 850 | $1,000 | $1.18 | 6d | 1 | 1.09mi |
| 125 Goodson Ave Chattanooga, TN | 1.0 | 1.0 | 844 | $1,100 | $1.30 | 116d | 1 | 1.10mi |
| 209 Signal View St Chattanooga, TN | 3.0 | 2.0 | 1384 | $1,995 | $1.44 | 109d | 1 | 1.13mi |
| 209 Signal View St Chattanooga, TN | 3.0 | 2.0 | 1288 | $1,895 | $1.47 | 6d | 1 | 1.13mi |
| 2614 Berkley Dr Chattanooga, TN | 2.0 | 1.0 | 1100 | $2,150 | $1.95 | 6d | 1 | 1.13mi |
| 127 Goodson Ave Chattanooga, TN | 1.0–2.0 | 1.0 | 792 | $1,190 | $1.50 | 119d | 1 | 1.15mi |
| 1185 Mountain Creek Rd Chattanooga, TN | 1.0–2.0 | 1.0–2.0 | 868 | $1,456 | $1.68 | 0d | 16 | 1.20mi |
| 109 Signal View St Unit A Chattanooga, TN | 2.0 | 1.0 | 846 | $1,199 | $1.42 | 119d | 1 | 1.21mi |
| 109 Signal View St Unit D Chattanooga, TN | 2.0 | 1.0 | 850 | $1,100 | $1.29 | 6d | 1 | 1.21mi |
| 2406 Lyndon Ave Unit 04 Chattanooga, TN | 2.0 | 1.5 | 1000 | $1,273 | $1.27 | 109d | 1 | 1.31mi |
| 3001 Dayton Blvd Chattanooga, TN | 2.0–4.0 | 1.0–2.0 | 1350 | $1,100 | $0.81 | 0d | 3 | 1.37mi |
| 3131 Mountain Creek Rd Chattanooga, TN | 1.0–2.0 | 1.0–2.0 | 907 | $1,599 | $1.76 | 0d | 14 | 1.37mi |
| 3123 Carlton Ave Unit 1UNIT 3 Red Bank, TN | 2.0 | 1.0 | 938 | $1,000 | $1.07 | 119d | 1 | 1.42mi |
| 298 Acorn Oaks Cir Chattanooga, TN | 1.0–3.0 | 1.0–2.0 | 1230 | $1,725 | $1.40 | 0d | 1 | 1.49mi |
Property features AI
Finance
- Other
- Living area reported as 1,036 (per assessor)
- HOA & community
- HOA with an annual fee of $992
Exterior
- Parking
- Detached parkingParking lot
- Utilities
- Public waterPublic sewerElectricity availableWater available
- Home design
- Single family residenceResidential propertyThree or more levels
- Construction
- Brick and other construction materialsBlock foundationExisting (year built not specified)
- Exterior features
- Approximately 38.76-acre lot (calculated from plat)
Interior
- Kitchen
- Electric rangeDishwasher
- Bedrooms
- 2 bedrooms
- Flooring
- Other flooring
- Bathrooms
- 2 full bathrooms
- Heating & cooling
- Electric heatingCentral electric air conditioning
- Interior features
- Electric rangeDishwasher
HOA detail $375/mo · $4,500/yr
- Likely covers
- poolgym
Listing history 50 events
-
2026-09-11pricestatusdays on market $135,000 Coming Soon 1 DOM
-
2026-09-05days on market $149,900 Active 85 DOM
-
2026-09-04days on market $149,900 Active 84 DOM
-
2026-09-03days on market $149,900 Active 83 DOM
-
2026-08-31days on market $149,900 Active 80 DOM
-
2026-08-30days on market $149,900 Active 79 DOM
-
2026-08-29days on market $149,900 Active 78 DOM
-
2026-08-28days on market $149,900 Active 77 DOM
-
2026-08-27days on market $149,900 Active 76 DOM
-
2026-08-25days on market $149,900 Active 74 DOM
-
2026-08-24days on market $149,900 Active 73 DOM
-
2026-08-23days on market $149,900 Active 72 DOM
-
2026-08-22days on market $149,900 Active 71 DOM
-
2026-08-21days on market $149,900 Active 70 DOM
-
2026-08-20days on market $149,900 Active 69 DOM
-
2026-08-19days on market $149,900 Active 68 DOM
-
2026-08-18days on market $149,900 Active 67 DOM
-
2026-08-17days on market $149,900 Active 66 DOM
-
2026-08-16days on market $149,900 Active 65 DOM
-
2026-08-15days on market $149,900 Active 64 DOM
-
2026-08-14days on market $149,900 Active 63 DOM
-
2026-08-13days on market $149,900 Active 62 DOM
-
2026-08-12days on market $149,900 Active 61 DOM
-
2026-08-11days on market $149,900 Active 60 DOM
-
2026-08-10days on market $149,900 Active 59 DOM
-
2026-08-09days on market $149,900 Active 58 DOM
-
2026-08-08days on market $149,900 Active 57 DOM
-
2026-08-07days on market $149,900 Active 56 DOM
-
2026-08-06days on market $149,900 Active 55 DOM
-
2026-08-05days on market $149,900 Active 54 DOM
-
2026-08-04days on market $149,900 Active 53 DOM
-
2026-08-03days on market $149,900 Active 52 DOM
-
2026-07-31days on market $149,900 Active 49 DOM
-
2026-07-29days on market $149,900 Active 47 DOM
-
2026-07-27pricedays on market $149,900 Active 45 DOM
-
2026-07-25days on market $154,900 Active 43 DOM
-
2026-07-24days on market $154,900 Active 42 DOM
-
2026-07-23days on market $154,900 Active 41 DOM
-
2026-07-22days on market $154,900 Active 40 DOM
-
2026-07-21days on market $154,900 Active 39 DOM
-
2026-07-18days on market $154,900 Active 36 DOM
-
2026-07-16days on market $154,900 Active 34 DOM
-
2026-07-16pricedays on market $154,900 Active 33 DOM
-
2026-07-14days on market $159,000 Active 32 DOM
-
2026-07-13days on market $159,000 Active 31 DOM
-
2026-07-12days on market $159,000 Active 30 DOM
-
2026-07-11days on market $159,000 Active 29 DOM
-
2026-07-10days on market $159,000 Active 28 DOM
-
2026-07-09days on market $159,000 Active 27 DOM
-
2026-07-08days on market $159,000 Active 26 DOM
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Climate risk First Street
- Flood 8/10 Severe FEMA zone AE · 78% chance over 30 yrs
- Wildfire 3/10 Moderate
- Heat 6/10 Major 9 d/yr ≥104°F today · 26 d/yr by 30 yrs out
- Wind 4/10 Moderate 10% chance of damaging wind over 30 yrs
- Air quality 4/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $16,805
- − Mortgage interest
- −$7,562
- − Property taxes
- −$2,025
- − Insurance
- −$5,794
- − Repairs & maintenance
- −$1,344
- − Management
- −$1,344
- − HOA
- −$4,500
- − Depreciation
- −$3,927
- Taxable loss
- −$9,692
- Est. tax savings @ 24.0%
- +$2,326
- After-tax cash flow
- $-5,212/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Condition & rehab AI · 13 photos
This fully renovated ground-floor condo in Signal View is move-in ready with new flooring, fresh paint, updated windows, and an HVAC system less than 5 years old. The remodeled kitchen and updated bathrooms add to its appeal.
Value-add opportunities
- Both Paint the exterior walls — Enhances curb appeal and resale value ↑
- Both Replace the ceiling fans with modern ones — Modernizes the space and improves air circulation ↑
- Both Install smart home devices — Enhances convenience and adds value for potential buyers ↑
ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
Zoned Schools
Schools (NCES district)
- District
- Hamilton County
- NCES district ID
- 4701590
- Math proficiency
- 31% ▼ -10.00%
- Reading proficiency
- 31% ▼ -3.00%
- Median HH income
- $47,456
- Composite
- 26.8/100
- National rank
- #7122
- State rank
- #42 of 139 in TN
Livability — Chattanooga
- Score
- 78/100
- State rank
- #3
- US rank
- #2582
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Chattanooga, TN
- County
- Hamilton County · 393,784 people
- City population
- 131,999
- Metro
- Chattanooga, TN-GA
- Population (ZIP)
- 18,109
- Household income
- $81,337
- Rent vs Own
- Severe rent burden
- 5% of renters
Population outlook (Hamilton County) Hauer SSP2
- Today (2025)
- 393,784 people
- By 2030
- 412,983 · +4.9%
- By 2040
- 449,502 · +14.1%
- By 2050
- 484,341 · +23.0%
- By 2075
- 565,746 · +43.7%
- By 2100
- 618,394 · +57.0%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (82%)
- Race & ethnicity
- White 82% Two or more races 8% Black 4% Asian 3% Hispanic / Latino 3%
- Common ancestry
- Slovak 5% Serbian 3% Lithuanian 2%
- Foreign-born
- 4% · Canada
- Languages at home
- 95% English-only · Spanish 2% Other Indo-European 1%
Political lean MEDSL · Hamilton
- 2024 margin
- R (+13.1) · D 42.7% · R 55.7% · Other 1.6%
- 2008→2024 swing
- -1.2pp toward R · 2008: -11.8pp · 2024: -13.1pp
- All cycles
- 2024: R+13.1 2020: R+9.7 2016: R+16.6 2012: R+14.8 2008: R+11.8
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -380.39%
- Current HPI
- 335.8088
- Rent YoY
- ▲ 5.64%
- Metro
- Chattanooga, TN-GA
- State GDP YoY
- ▲ 2.78%
- F500 in state
- 22
Industry mix (Fortune 500 HQ in TN)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Healthcare | 3 | $91B |
|
||
| Retail | 3 | $72B |
|
||
| Transportation / Logistics | 1 | $88B |
|
||
| Paper / Packaging | 1 | $19B |
|
||
| Insurance | 1 | $13B |
|
||
| Energy | 1 | $12B |
|
||
Price history
-1.9% since first listed6 events — show timeline
- 2026-07-02 Price Changed $159,000 GCAR
- 2026-07-02 Price Changed $159,000 REALTRACS as Distributed by MLS Grid
- 2026-06-12 Listed $162,000 REALTRACS as Distributed by MLS Grid
- 2026-06-12 Listed $162,000 GCAR
- 2026-06-05 Coming Soon $162,000 GCAR
- 2026-06-05 Coming Soon $162,000 REALTRACS as Distributed by MLS Grid
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…