3403 Gay St · Chattanooga, TN
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 3/10 · Minor
- Est. fire insurance / yr
- $949 – $1,763
Heat risk 5/10 · Moderate
- Hot days now (above 105°F)
- 7 days/yr
- Hot days in 30 yrs
- 17 days/yr
Wind risk 4/10 · Minor
- Chance of severe wind over 30 yrs
- 12.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the C+ 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).
- Cash flow +22.9/30.0
- ARV discount +15.0/15.0
- DSCR +7.3/10.0
- 1% rule +4.7/10.0
- Livability +3.9/5.0
- Rent growth +2.7/5.0
- Schools +2.7/10.0
- Condition / age +2.5/5.0
- Appreciation +0.0/10.0
$160,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Move-in ready East Ridge gem ? fully updated 3-bedroom, 2-bath home with the primary suite on the main level for easy living. Two more bedrooms, a full bath and versatile bonus space on the lower level provide flexibility for guests or a home office. Outside, you'll find ample off-street parking and a generous yard for outdoor living. Located with quick access to downtown Chattanooga and the interstate, this move-in ready property includes washer and dryer that convey with the sale. Don't miss this one!
Key facts
- 6,098 sq ft lot
- Built 1946
- Listed 86 days
Property features AI
Finance
- Other: Lot is private, mostly level to gently sloping; city street frontage; public maintained asphalt road
Exterior
- Parking: Concrete driveway; Off‑street parking
- Security: Smoke detector(s)
- Utilities: Public water; Public sewer; Electricity connected; Water connected; Sewer connected; Cable available; Underground utilities
- Home design: Single family house; Updated/remodeled condition
- Construction: Brick and concrete construction; Block foundation; Asphalt shingle roof; Built as a house
- Exterior features: Awning(s); Private entrance; Covered porch
Interior
- Kitchen: Electric range/oven/cooktop (free‑standing); Electric water heater
- Bedrooms: Master on main level
- Flooring: Concrete; Hardwood; Laminate; Painted/Stained floors
- Bathrooms: 2 full bathrooms
- Heating & cooling: Central heating (electric); Central air conditioning (electric); Ceiling fans; Humidity control
- Interior features: Ceiling fans; Master bedroom on main level; Finished basement; Living room fireplace; Dehumidifier; Smoke detector(s)
- Laundry & utility: Washer; Dryer; Water heater
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath single-family listed at $160k.
Deal economics
- At list price, monthly cash flow is $280 ($3k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $155k (3.3% below list).
- Recommended offer: $150k (6.0% below list) — sets the bar for market timing.
- Cap rate 8.4% vs local median 3.4% in Chattanooga — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
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: Hardy Elementary School (math 8% / reading 2%, grade F, #896 of 952 statewide, top 96%, 435 students, 0% FRL); Dalewood Middle School (math 7% / reading 7%, grade F, #278 of 333 statewide, top 85%, 258 students, 0% FRL); Brainerd High School (math 2% / reading 12%, grade F, #294 of 332 statewide, top 91%, 635 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.
- Zoned-school proficiency averages 6% at this address vs 31% district-wide (-25 pts) — the specific schools serving this property underperform the Hamilton County average; the district grade overstates school quality for this exact location.
- Market conditions: Rents flat; 127 active listings in the ZIP; 32 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 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 $1k of loan paydown is wiped out by about $5k 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
- It's been on market 86 days — a 6% lower offer ($150k) is reasonable based on typical stale-listing flexibility.
- 6 sale attempts since 31y ago; this cycle's ask has dropped $55k (26%) from the opening price — seller is motivated, your offer sets the floor, not the list.
- Current owner paid $65k; list at $160k implies a 146% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: built in 1946 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 86 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
- Built in 1946 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- 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?
- 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
- 0.97% ✗
- Cap rate
- 8.40%
- Cash-on-cash
- 7.51%
- DSCR
- 1.33
- GRM
- 8.6
CMA / ARV
- ARV (on-the-fly)
- $287,226
- Comps found
- 12
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 3403 Gay St | 0.00mi | 3/2.0 | 1,458 (0%) | 1mo | $152,500 | $105 | 99 |
| 3002 Peggy Ln | 0.49mi | 3/2.0 | 1,526 (+5%) | 10mo | $273,000 | $179 | 61 |
| 3012 Peggy Ln | 0.44mi | 3/1.0 | 1,500 (+3%) | 12mo | $282,000 | $188 | 60 |
| 1212 Greenwood Rd | 0.21mi | 3/2.0 | 1,350 (-7%) | 22mo | $233,350 | $173 | 60 |
| 1659 Jeanaga Trl | 0.51mi | 3/2.0 | 1,524 (+4%) | 14mo | $290,000 | $190 | 57 |
| 1532 Lillian Ln | 0.29mi | 3/1.0 | 1,352 (-7%) | 22mo | $259,900 | $192 | 52 |
| 602 Ledford St | 0.47mi | 4/2.5 (+1) | 1,630 (+12%) | 1mo | $336,500 | $206 | 50 |
| 1000 Belmeade Ave | 0.36mi | 3/2.0 | 1,242 (-15%) | 11mo | $255,000 | $205 | 49 |
| 1112 Overlook Ave | 0.42mi | 3/2.0 | 1,288 (-12%) | 18mo | $265,000 | $206 | 46 |
| 1028 Overlook Ave | 0.46mi | 3/2.5 | 1,300 (-11%) | 17mo | $265,000 | $204 | 45 |
| 944 Shallowford Rd | 0.56mi | 3/2.5 | 1,300 (-11%) | 13mo | $297,000 | $228 | 42 |
| 1905 Parkway Dr | 0.54mi | 3/2.5 | 1,267 (-13%) | 22mo | $250,000 | $197 | 32 |
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 · 0.73% rent growth · sell at horizon
- IRR
- -7.2%
- Equity multiple
- 0.74×
- Total profit
- $-11,597
- Equity at exit
- $23,857
- IRR
- -0.3%
- Equity multiple
- 0.98×
- Total profit
- $-960
- Equity at exit
- $13,834
Cash invested: $44,800 (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
ZIP-level market 37411
- Rents YoY
- 0.7%
- Active inventory
- 127
- Price-to-rent
- 8.6×
Monthly cashflow live
- Estimated rent
- $1,547 high interval (Pro) →
- Mortgage (P&I)
- −$839
- Tax from tax record
- −$36 /mo · $434/yr
- Insurance
- −$67
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$325
- Net cashflow
- $280
Break-even live
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
- $40,000
- Closing costs
- $4,800
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 32 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 1203 Rockway Dr Unit 2 Chattanooga, TN | 2.0 | 1.0 | 940 | $1,250 | $1.33 | 13d | 1 | 0.19mi |
| 1205 Tunnel Blvd Chattanooga, TN | 3.0 | 1.0 | 1044 | $1,350 | $1.29 | 23d | 1 | 0.23mi |
| 1635 Dogwood Dr Chattanooga, TN | 3.0 | 1.0 | 1024 | $1,600 | $1.56 | 13d | 1 | 0.42mi |
| 822 Gillespie Rd Chattanooga, TN | 2.0 | 1.0 | 1000 | $1,550 | $1.55 | 13d | 1 | 0.68mi |
| 907 Sylvan Dr Chattanooga, TN | 3.0 | 2.0 | 1248 | $1,495 | $1.20 | 23d | 1 | 0.74mi |
| 802 Aubrey Ave Unit 1 Chattanooga, TN | 3.0 | 1.5 | 1248 | $1,495 | $1.20 | 13d | 1 | 0.77mi |
| 3868 Mark Twain Cir Chattanooga, TN | 4.0 | 2.0 | 1841 | $1,775 | $0.96 | 23d | 1 | 0.82mi |
| 3715 Rollingwood Dr Chattanooga, TN | 3.0 | 1.5 | 1200 | $1,400 | $1.17 | 23d | 1 | 0.83mi |
| 3911 Wilsonia Ave Chattanooga, TN | 3.0 | 1.5 | 1143 | $1,395 | $1.22 | 23d | 1 | 0.86mi |
| 3916 Blanchard St Chattanooga, TN | 3.0 | 2.0 | 1056 | $1,445 | $1.37 | 23d | 1 | 0.88mi |
| 619 Shannon Ave Chattanooga, TN | 2.0 | 1.0 | 962 | $1,250 | $1.30 | 23d | 1 | 0.89mi |
| 2709 Citico Ave Chattanooga, TN | 2.0–3.0 | 1.0 | 1038 | $1,400 | $1.35 | 23d | 1 | 0.92mi |
| 2323 Green Forest Dr Chattanooga, TN | 2.0 | 2.5 | 1404 | $1,750 | $1.25 | 13d | 1 | 0.95mi |
| 3518 Ridgeside Rd Chattanooga, TN | 4.0 | 2.0 | 1409 | $1,375 | $0.98 | 23d | 1 | 0.99mi |
| 1706 Wheeler Ave Chattanooga, TN | 3.0 | 1.0 | 1317 | $1,625 | $1.23 | 23d | 1 | 1.08mi |
| 409 Booth Rd Chattanooga, TN | 3.0 | 2.0 | 1530 | $1,695 | $1.11 | 23d | 1 | 1.08mi |
| 1601 Arlington Ave Chattanooga, TN | 3.0 | 1.0 | 1416 | $1,650 | $1.17 | 13d | 1 | 1.15mi |
| 3301 Pinewood Ave Chattanooga, TN | 2.0 | 1.0 | 900 | $1,094 | $1.22 | 23d | 3 | 1.24mi |
| 4224 Victory St Chattanooga, TN | 3.0 | 2.0 | 1736 | $1,995 | $1.15 | 23d | 1 | 1.27mi |
| 310 Gillespie Rd Chattanooga, TN | 2.0 | 1.0 | 1225 | $1,650 | $1.35 | 23d | 1 | 1.29mi |
| 210 Buena Vista Dr Unit 4 Chattanooga, TN | 2.0 | 1.5 | 1500 | $1,495 | $1.00 | 23d | 1 | 1.29mi |
| 2009 Taylor St Chattanooga, TN | 3.0 | 1.5 | 1800 | $1,950 | $1.08 | 23d | 1 | 1.32mi |
| 2400 Crutchfield St Chattanooga, TN | 3.0 | 1.0 | 984 | $1,200 | $1.22 | 21d | 1 | 1.34mi |
| 708 Henderson Dr Chattanooga, TN | 3.0 | 1.0 | 1100 | $1,250 | $1.14 | 13d | 1 | 1.38mi |
| 300 Crestway Dr Chattanooga, TN | 2.0 | 1.0 | 1164 | $1,675 | $1.44 | 13d | 1 | 1.40mi |
| 1409 Bradt St Chattanooga, TN | 3.0 | 1.0 | 960 | $1,275 | $1.33 | 23d | 1 | 1.40mi |
| 111 N Seminole Dr Chattanooga, TN | 4.0 | 2.0 | 1500 | $2,200 | $1.47 | 23d | 1 | 1.40mi |
| 745 Henderson Dr Chattanooga, TN | 3.0 | 2.0 | 1275 | $1,495 | $1.17 | 23d | 1 | 1.40mi |
| 2009 Camden St Chattanooga, TN | 3.0 | 1.5 | 1148 | $1,450 | $1.26 | 23d | 1 | 1.41mi |
| 2105 Rawlings St Chattanooga, TN | 3.0 | 1.0 | 1064 | $1,300 | $1.22 | 13d | 1 | 1.43mi |
| 30 Woodlawn Dr Unit C Chattanooga, TN | 2.0 | 2.0 | 1000 | $1,200 | $1.20 | 23d | 1 | 1.45mi |
| 2011 Milne St Unit b Chattanooga, TN | 3.0 | 1.0 | 976 | $1,345 | $1.38 | 13d | 1 | 1.48mi |
Listing history 26 events
-
2026-05-09status Pending 508-char remark
Show marketing remark (508 chars)
Move-in ready East Ridge gem ? fully updated 3-bedroom, 2-bath home with the primary suite on the main level for easy living. Two more bedrooms, a full bath and versatile bonus space on the lower level provide flexibility for guests or a home office. Outside, you'll find ample off-street parking and a generous yard for outdoor living. Located with quick access to downtown Chattanooga and the interstate, this move-in ready property includes washer and dryer that convey with the sale. Don't miss this one!
-
2026-05-09status Pending
Show marketing remark (508 chars)
Move-in ready East Ridge gem ? fully updated 3-bedroom, 2-bath home with the primary suite on the main level for easy living. Two more bedrooms, a full bath and versatile bonus space on the lower level provide flexibility for guests or a home office. Outside, you'll find ample off-street parking and a generous yard for outdoor living. Located with quick access to downtown Chattanooga and the interstate, this move-in ready property includes washer and dryer that convey with the sale. Don't miss this one!
-
2026-05-05price $160,000 508-char remark
Show marketing remark (508 chars)
Move-in ready East Ridge gem ? fully updated 3-bedroom, 2-bath home with the primary suite on the main level for easy living. Two more bedrooms, a full bath and versatile bonus space on the lower level provide flexibility for guests or a home office. Outside, you'll find ample off-street parking and a generous yard for outdoor living. Located with quick access to downtown Chattanooga and the interstate, this move-in ready property includes washer and dryer that convey with the sale. Don't miss this one!
-
2026-05-05price $160,000
Show marketing remark (508 chars)
Move-in ready East Ridge gem ? fully updated 3-bedroom, 2-bath home with the primary suite on the main level for easy living. Two more bedrooms, a full bath and versatile bonus space on the lower level provide flexibility for guests or a home office. Outside, you'll find ample off-street parking and a generous yard for outdoor living. Located with quick access to downtown Chattanooga and the interstate, this move-in ready property includes washer and dryer that convey with the sale. Don't miss this one!
-
2026-03-20price $195,000 508-char remark
Show marketing remark (508 chars)
Move-in ready East Ridge gem ? fully updated 3-bedroom, 2-bath home with the primary suite on the main level for easy living. Two more bedrooms, a full bath and versatile bonus space on the lower level provide flexibility for guests or a home office. Outside, you'll find ample off-street parking and a generous yard for outdoor living. Located with quick access to downtown Chattanooga and the interstate, this move-in ready property includes washer and dryer that convey with the sale. Don't miss this one!
-
2026-03-20price $195,000
Show marketing remark (508 chars)
Move-in ready East Ridge gem ? fully updated 3-bedroom, 2-bath home with the primary suite on the main level for easy living. Two more bedrooms, a full bath and versatile bonus space on the lower level provide flexibility for guests or a home office. Outside, you'll find ample off-street parking and a generous yard for outdoor living. Located with quick access to downtown Chattanooga and the interstate, this move-in ready property includes washer and dryer that convey with the sale. Don't miss this one!
-
2026-02-23price $205,000
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2026-02-12$215,000 Active
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2026-02-05historical $215,000
Show marketing remark (508 chars)
Move-in ready East Ridge gem ? fully updated 3-bedroom, 2-bath home with the primary suite on the main level for easy living. Two more bedrooms, a full bath and versatile bonus space on the lower level provide flexibility for guests or a home office. Outside, you'll find ample off-street parking and a generous yard for outdoor living. Located with quick access to downtown Chattanooga and the interstate, this move-in ready property includes washer and dryer that convey with the sale. Don't miss this one!
-
2026-02-05$205,000 Active 508-char remark
Show marketing remark (508 chars)
Move-in ready East Ridge gem ? fully updated 3-bedroom, 2-bath home with the primary suite on the main level for easy living. Two more bedrooms, a full bath and versatile bonus space on the lower level provide flexibility for guests or a home office. Outside, you'll find ample off-street parking and a generous yard for outdoor living. Located with quick access to downtown Chattanooga and the interstate, this move-in ready property includes washer and dryer that convey with the sale. Don't miss this one!
-
2026-01-02historical 573-char remark
Show marketing remark (573 chars)
Turn Key at great price! Super cute, all brick, updated 3 bedroom 2 full bath home on a dead end street. Could be a great first home, rental, or investment property. Master on the main floor with full bath, living room with new floors & fireplace, kitchen, dining area, and laundry room. Downstairs are 2 bedrooms and a full bath as well as a little study/library/craft nook.15 minutes to Downtown, 6 minutes to Memorial, 12 minutes to Hamilton Place, 20 minutes to Ooltewah. Schedule your tour today, not many in this condition at this price point. Check it out today!
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2026-01-02$197,000 573-char remark
Show marketing remark (573 chars)
Turn Key at great price! Super cute, all brick, updated 3 bedroom 2 full bath home on a dead end street. Could be a great first home, rental, or investment property. Master on the main floor with full bath, living room with new floors & fireplace, kitchen, dining area, and laundry room. Downstairs are 2 bedrooms and a full bath as well as a little study/library/craft nook.15 minutes to Downtown, 6 minutes to Memorial, 12 minutes to Hamilton Place, 20 minutes to Ooltewah. Schedule your tour today, not many in this condition at this price point. Check it out today!
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2025-12-21price $197,000
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2025-10-29price $198,000
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2020-04-21status Active
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2020-04-21soldstatus $65,000
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2020-04-20soldstatus $65,000 Closed
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2020-04-20soldstatus $65,000
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2020-03-04historical
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2020-01-28price $79,000
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2020-01-14$86,000 Active
-
2016-08-23soldstatus $22,500
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2016-08-23soldstatus $22,500
-
1996-05-06soldstatus $53,500
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1995-10-27soldstatus $25,000
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1995-03-20$31,500
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast TN · Resets to sale price
- Current annual tax
- $434 · $36/mo
- Projected year-2 tax
- $1,136 · $95/mo
- Expected delta
- +$702/yr (+$58/mo · 161.6%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 3/10 Moderate
- Heat 5/10 Major 7 d/yr ≥105°F today · 17 d/yr by 30 yrs out
- Wind 4/10 Moderate 12% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 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
- $18,568
- − Mortgage interest
- −$8,962
- − Property taxes
- −$434
- − Insurance
- −$800
- − Repairs & maintenance
- −$1,485
- − Management
- −$1,485
- − Depreciation
- −$4,655
- Taxable income
- $746
- Est. tax owed @ 24.0%
- −$179
- After-tax cash flow
- $3,187/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.
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 · 312,777 people
- City population
- 131,999
- Metro
- Chattanooga, TN-GA
- Population (ZIP)
- 18,997
- Household income
- $56,579
- Rent vs Own
- Severe rent burden
- 685.0
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
- Diverse neighborhood (Simpson 0.63)
- Race & ethnicity
- Black 48% White 37% Hispanic / Latino 8% Two or more races 7%
- Hispanic origin (detail)
- Mexican 3% Puerto Rican 2%
- Common ancestry
- Italian 2% Slovak 2% Romanian 1%
- Foreign-born
- 4% · Canada, Vietnam
- Languages at home
- 92% English-only · Spanish 6% Arabic 0%
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
- ▼ -190.85%
- Current HPI
- 240.2557
- Rent YoY
- ▲ 0.73%
- 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 |
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Price history
+407.9% since first listed26 events — show timeline
- 2026-05-09 Pending — RCAOR
- 2026-05-09 Pending — GCAR
- 2026-05-05 Price Changed $160,000 RCAOR
- 2026-05-05 Price Changed $160,000 GCAR
- 2026-03-20 Price Changed $195,000 RCAOR
- 2026-03-20 Price Changed $195,000 GCAR
- 2026-02-23 Price Changed $205,000 GCAR
- 2026-02-12 Listed $215,000 GCAR
- 2026-02-05 Coming Soon $215,000 GCAR
- 2026-02-05 Listed $205,000 RCAOR
- 2026-01-02 Listing Removed — REALTRACS as Distributed by MLS Grid
- 2026-01-02 Listed $197,000 REALTRACS as Distributed by MLS Grid
- 2025-12-21 Price Changed $197,000 GCAR
- 2025-10-29 Price Changed $198,000 GCAR
- 2020-04-21 Relisted — GCAR
- 2020-04-21 Sold (Public Records) $65,000 Public Records
- 2020-04-20 Sold (MLS) $65,000 REALTRACS as Distributed by MLS Grid
- 2020-04-20 Sold (MLS) $65,000 GCAR
- 2020-03-04 Delisted — GCAR
- 2020-01-28 Price Changed $79,000 GCAR
- 2020-01-14 Listed $86,000 GCAR
- 2016-08-23 Sold (MLS) $22,500 REALTRACS as Distributed by MLS Grid
- 2016-08-23 Sold (MLS) $22,500 GCAR
- 1996-05-06 Sold (Public Records) $53,500 Public Records
- 1995-10-27 Sold (Public Records) $25,000 Public Records
- 1995-03-20 Listed $31,500 RCAOR
Property tax history
+7.4%/yrLatest (2025): $434 · +20.0% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…