CashFlowRE
Sign in Sign up
3117 Navajo Dr Duplex
B Composite 74.8
Why this score? — see what drove the B 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 +30.0/30.0
  • ARV discount +15.0/15.0
  • DSCR +10.0/10.0
  • 1% rule +8.0/10.0
  • 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

$175,000

3117 Navajo Dr · Chattanooga, TN 37411
None bd · 4.0 ba · 1,800 sqft · MultiFamily public records · 24 Days on market
Built 1976 9,730 sqft lot Est $270k · 35% under

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Multi-family units

County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 2 units. confirmed

Listing remarks MLS

* * * BACK ON MARKET DUE TO BUYERS BEING UNABLE TO SATISFY THEIR CONTINGENCY TO SELL A HOME * * * Great Investment opportunity to Unlock the Potential of this Property. This vacant duplex is a value-add opportunity waiting for the right vision. With solid bones and both units currently unoccupied the property is ready for improvements that can unlock strong rental potential. Each unit has One Bed, One Bath and Laundry hookups. So, whether you're looking to update and hold or reposition for improved cash flow, this duplex offers the chance a welcoming income-producing home for future tenants. Bring your contractor and your creativity. Opportunity Lives Here! This property is being Sold As-Is. Please call today for your private showing.

Key facts

  • 9,730 sq ft lot
  • Built 1976
  • Listed 24 days

Property features AI

Exterior

  • Parking: Driveway; Off-street paved parking
  • Utilities: Public water; Public sewer; Electricity connected; Natural gas available; Sewer connected; Water connected
  • Home design: Duplex residential income property; Two stories; Fixer condition
  • Construction: Wood siding; Shingle roof; Slab foundation; Built as a duplex
  • Exterior features: Balcony; Sloped lot; Asphalt road frontage on a city street; Publicly maintained road

Interior

  • Kitchen: Refrigerator; Electric range; Dishwasher; Electric water heater
  • Bedrooms: Unfurnished units
  • Flooring: Carpet; Tile; Wood
  • Bathrooms: 2 full bathrooms
  • Heating & cooling: Electric heating; Other heating; Electric cooling via wall units
  • Interior features: Beamed ceilings; Eat-in kitchen; Aluminum-framed windows
  • Laundry & utility: Laundry located in kitchen on main level

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2 × 1-bed/1.0-bath units multifamily listed at $175k.

Deal economics

  • At list price, monthly cash flow is $665 ($8k/yr) — positive. Per door: $333/mo.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $175k).
  • Recommended offer: $172k (1.5% below list) — sets the bar for market timing.
  • Cap rate 10.9% 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: East Ridge Elementary (math 22% / reading 18%, grade F, #644 of 952 statewide, top 68%, 996 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 11% at this address vs 31% district-wide (-20 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; 24 comparable units currently listed for rent nearby; rentals at typical pace (median 24d 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.
  • At projected returns (-3.0% appreciation + 0.7% rent growth), your $49k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 24 days — a 2% lower offer ($172k) is reasonable based on typical stale-listing flexibility.
  • 6 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
  • Current owner paid $35k; list at $175k implies a 400% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Climate carrying-cost: extreme-heat days projected 6→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $172,375 (1.5% below list)

Questions for the listing agent

  1. Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
  2. What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
  3. Built in 1976 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. 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?
  6. 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?
  7. 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.
  8. 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.
  9. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

1% rule
1.30%
Cap rate
10.86%
Cash-on-cash
16.30%
DSCR
1.73
GRM
6.4

CMA / ARV

ARV (on-the-fly)
$270,000
Comps found
3
Show comp detail 3 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
3223 Castle Ave 0.36mi 4/4.0 2,048 (+14%) 3mo $315,000 $154 58
3708 Monte Vista Dr 0.68mi 4/4.0 1,890 (+5%) 10mo $239,000 $126 51
2504 Union Ave 0.73mi 3/2.0 1,986 (+10%) 10mo $297,000 $150 33

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

5-year hold
IRR
4.8%
Equity multiple
1.18×
Total profit
$8,917
Equity at exit
$26,093
10-year hold
IRR
12.2%
Equity multiple
1.86×
Total profit
$42,314
Equity at exit
$15,131

Cash invested: $49,000 (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
14-day notice (URLTA); generally landlord-favorable; Nashville court paced moderate.

ZIP-level market 37411

Rents YoY
0.7%
Active inventory
127
Price-to-rent
12.8×

Monthly cashflow live

Estimated rent
$2,282 high interval (Pro) →
Mortgage (P&I)
$918
Tax from tax record
$147 /mo · $1,761/yr
Insurance
$73
HOA
$0
Vacancy / Maint / Mgmt
$479
Net cashflow
$665

Break-even live

Break-even rent $1,440
Max offer price $175,000
Occupancy floor 66%

2-unit breakdown (identical units grouped — click to expand)

UnitsBedsBathsEst. rent
Total (2 units) $2,282

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
$43,750
Closing costs
$5,250
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 24 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
3109 Ellis Ave Chattanooga, TN 2.0 2.0 1340 $1,450 $1.08 23d 1 0.25mi
408 Broughton St Unit NA Chattanooga, TN 3.0 1.0 1250 $1,750 $1.40 23d 1 0.50mi
3617 Monte Vista Dr Chattanooga, TN 3.0 2.0 1628 $1,823 $1.12 13d 1 0.65mi
210 Buena Vista Dr Unit 4 Chattanooga, TN 2.0 1.5 1500 $1,495 $1.00 23d 1 0.68mi
2425 Chamberlain Ave Chattanooga, TN 3.0 2.0 1422 $1,795 $1.26 23d 1 0.84mi
1809 Cotton Way Chattanooga, TN 2.0 2.5 1412 $2,295 $1.63 23d 1 0.85mi
2420 Vine St Chattanooga, TN 3.0 1.0 1260 $1,800 $1.43 23d 1 0.92mi
2380 E 18th Street Pl Chattanooga, TN 3.0 2.5 1950 $1,895 $0.97 21d 1 0.95mi
409 Booth Rd Chattanooga, TN 3.0 2.0 1530 $1,695 $1.11 23d 1 0.96mi
2347 E 18th St Chattanooga, TN 2.0 2.5 1340 $1,695 $1.26 23d 1 0.96mi
2341 E 18th St Chattanooga, TN 2.0 2.5 1316 $1,725 $1.31 23d 1 0.96mi
2360 E 18th St Chattanooga, TN 3.0 2.5 1544 $2,095 $1.36 23d 1 0.97mi
310 Gillespie Rd Chattanooga, TN 2.0 1.0 1225 $1,650 $1.35 23d 1 0.98mi
2328 E 18th Street Pl Chattanooga, TN 3.0 2.5 1950 $1,995 $1.02 21d 1 0.98mi
2328 E 18th St Chattanooga, TN 3.0 2.5 1616 $2,095 $1.30 23d 1 0.98mi
2322 E 18th Street Pl Chattanooga, TN 2.0 2.5 1340 $1,595 $1.19 21d 1 0.98mi
2335 E 19th St Chattanooga, TN 3.0 2.5 1616 $1,995 $1.23 23d 1 1.01mi
2303 E 19th St Chattanooga, TN 3.0 2.5 1544 $1,995 $1.29 21d 1 1.02mi
3725 Fountain Ave Chattanooga, TN 2.0–3.0 1.0–2.0 1110 $1,175 $1.06 13d 4 1.08mi
2106 Duncan Ave Unit 102 Chattanooga, TN 3.0 2.5 1600 $2,295 $1.43 23d 1 1.12mi
1072 Amelia Ct Chattanooga, TN 3.0 3.5 1500 $1,950 $1.30 23d 1 1.18mi
1814 Duncan Ave Chattanooga, TN 3.0 2.0 2056 $2,500 $1.22 21d 1 1.34mi
1906 Vine St Chattanooga, TN 3.0 2.5 1881 $2,200 $1.17 23d 1 1.35mi
1705 Bailey Ave Chattanooga, TN 3.0 2.0 1632 $1,850 $1.13 23d 1 1.43mi

Listing history 19 events

  1. 2026-06-16
    listing id $175,000 Pending 24 DOM
  2. 2026-05-15
    status Pending 750-char remark
    Show marketing remark (750 chars)

    * * * BACK ON MARKET DUE TO BUYERS BEING UNABLE TO SATISFY THEIR CONTINGENCY TO SELL A HOME * * * Great Investment opportunity to Unlock the Potential of this Property. This vacant duplex is a value-add opportunity waiting for the right vision. With solid bones and both units currently unoccupied the property is ready for improvements that can unlock strong rental potential. Each unit has One Bed, One Bath and Laundry hookups. So, whether you're looking to update and hold or reposition for improved cash flow, this duplex offers the chance a welcoming income-producing home for future tenants. Bring your contractor and your creativity. Opportunity Lives Here! This property is being Sold As-Is. Please call today for your private showing.

  3. 2026-05-15
    status Pending
    Show marketing remark (750 chars)

    * * * BACK ON MARKET DUE TO BUYERS BEING UNABLE TO SATISFY THEIR CONTINGENCY TO SELL A HOME * * * Great Investment opportunity to Unlock the Potential of this Property. This vacant duplex is a value-add opportunity waiting for the right vision. With solid bones and both units currently unoccupied the property is ready for improvements that can unlock strong rental potential. Each unit has One Bed, One Bath and Laundry hookups. So, whether you're looking to update and hold or reposition for improved cash flow, this duplex offers the chance a welcoming income-producing home for future tenants. Bring your contractor and your creativity. Opportunity Lives Here! This property is being Sold As-Is. Please call today for your private showing.

  4. 2026-05-12
    status Active 750-char remark
    Show marketing remark (750 chars)

    * * * BACK ON MARKET DUE TO BUYERS BEING UNABLE TO SATISFY THEIR CONTINGENCY TO SELL A HOME * * * Great Investment opportunity to Unlock the Potential of this Property. This vacant duplex is a value-add opportunity waiting for the right vision. With solid bones and both units currently unoccupied the property is ready for improvements that can unlock strong rental potential. Each unit has One Bed, One Bath and Laundry hookups. So, whether you're looking to update and hold or reposition for improved cash flow, this duplex offers the chance a welcoming income-producing home for future tenants. Bring your contractor and your creativity. Opportunity Lives Here! This property is being Sold As-Is. Please call today for your private showing.

  5. 2026-05-12
    status Active
    Show marketing remark (750 chars)

    * * * BACK ON MARKET DUE TO BUYERS BEING UNABLE TO SATISFY THEIR CONTINGENCY TO SELL A HOME * * * Great Investment opportunity to Unlock the Potential of this Property. This vacant duplex is a value-add opportunity waiting for the right vision. With solid bones and both units currently unoccupied the property is ready for improvements that can unlock strong rental potential. Each unit has One Bed, One Bath and Laundry hookups. So, whether you're looking to update and hold or reposition for improved cash flow, this duplex offers the chance a welcoming income-producing home for future tenants. Bring your contractor and your creativity. Opportunity Lives Here! This property is being Sold As-Is. Please call today for your private showing.

  6. 2026-03-10
    status Pending 750-char remark
    Show marketing remark (750 chars)

    * * * BACK ON MARKET DUE TO BUYERS BEING UNABLE TO SATISFY THEIR CONTINGENCY TO SELL A HOME * * * Great Investment opportunity to Unlock the Potential of this Property. This vacant duplex is a value-add opportunity waiting for the right vision. With solid bones and both units currently unoccupied the property is ready for improvements that can unlock strong rental potential. Each unit has One Bed, One Bath and Laundry hookups. So, whether you're looking to update and hold or reposition for improved cash flow, this duplex offers the chance a welcoming income-producing home for future tenants. Bring your contractor and your creativity. Opportunity Lives Here! This property is being Sold As-Is. Please call today for your private showing.

  7. 2026-03-10
    status Pending
    Show marketing remark (750 chars)

    * * * BACK ON MARKET DUE TO BUYERS BEING UNABLE TO SATISFY THEIR CONTINGENCY TO SELL A HOME * * * Great Investment opportunity to Unlock the Potential of this Property. This vacant duplex is a value-add opportunity waiting for the right vision. With solid bones and both units currently unoccupied the property is ready for improvements that can unlock strong rental potential. Each unit has One Bed, One Bath and Laundry hookups. So, whether you're looking to update and hold or reposition for improved cash flow, this duplex offers the chance a welcoming income-producing home for future tenants. Bring your contractor and your creativity. Opportunity Lives Here! This property is being Sold As-Is. Please call today for your private showing.

  8. 2026-03-02
    status Active 750-char remark
    Show marketing remark (750 chars)

    * * * BACK ON MARKET DUE TO BUYERS BEING UNABLE TO SATISFY THEIR CONTINGENCY TO SELL A HOME * * * Great Investment opportunity to Unlock the Potential of this Property. This vacant duplex is a value-add opportunity waiting for the right vision. With solid bones and both units currently unoccupied the property is ready for improvements that can unlock strong rental potential. Each unit has One Bed, One Bath and Laundry hookups. So, whether you're looking to update and hold or reposition for improved cash flow, this duplex offers the chance a welcoming income-producing home for future tenants. Bring your contractor and your creativity. Opportunity Lives Here! This property is being Sold As-Is. Please call today for your private showing.

  9. 2026-03-02
    status Active
    Show marketing remark (750 chars)

    * * * BACK ON MARKET DUE TO BUYERS BEING UNABLE TO SATISFY THEIR CONTINGENCY TO SELL A HOME * * * Great Investment opportunity to Unlock the Potential of this Property. This vacant duplex is a value-add opportunity waiting for the right vision. With solid bones and both units currently unoccupied the property is ready for improvements that can unlock strong rental potential. Each unit has One Bed, One Bath and Laundry hookups. So, whether you're looking to update and hold or reposition for improved cash flow, this duplex offers the chance a welcoming income-producing home for future tenants. Bring your contractor and your creativity. Opportunity Lives Here! This property is being Sold As-Is. Please call today for your private showing.

  10. 2026-02-10
    status Pending 750-char remark
    Show marketing remark (750 chars)

    * * * BACK ON MARKET DUE TO BUYERS BEING UNABLE TO SATISFY THEIR CONTINGENCY TO SELL A HOME * * * Great Investment opportunity to Unlock the Potential of this Property. This vacant duplex is a value-add opportunity waiting for the right vision. With solid bones and both units currently unoccupied the property is ready for improvements that can unlock strong rental potential. Each unit has One Bed, One Bath and Laundry hookups. So, whether you're looking to update and hold or reposition for improved cash flow, this duplex offers the chance a welcoming income-producing home for future tenants. Bring your contractor and your creativity. Opportunity Lives Here! This property is being Sold As-Is. Please call today for your private showing.

  11. 2026-02-10
    status Pending
    Show marketing remark (750 chars)

    * * * BACK ON MARKET DUE TO BUYERS BEING UNABLE TO SATISFY THEIR CONTINGENCY TO SELL A HOME * * * Great Investment opportunity to Unlock the Potential of this Property. This vacant duplex is a value-add opportunity waiting for the right vision. With solid bones and both units currently unoccupied the property is ready for improvements that can unlock strong rental potential. Each unit has One Bed, One Bath and Laundry hookups. So, whether you're looking to update and hold or reposition for improved cash flow, this duplex offers the chance a welcoming income-producing home for future tenants. Bring your contractor and your creativity. Opportunity Lives Here! This property is being Sold As-Is. Please call today for your private showing.

  12. 2026-01-29
    listed $175,000 Active 750-char remark
    Show marketing remark (750 chars)

    * * * BACK ON MARKET DUE TO BUYERS BEING UNABLE TO SATISFY THEIR CONTINGENCY TO SELL A HOME * * * Great Investment opportunity to Unlock the Potential of this Property. This vacant duplex is a value-add opportunity waiting for the right vision. With solid bones and both units currently unoccupied the property is ready for improvements that can unlock strong rental potential. Each unit has One Bed, One Bath and Laundry hookups. So, whether you're looking to update and hold or reposition for improved cash flow, this duplex offers the chance a welcoming income-producing home for future tenants. Bring your contractor and your creativity. Opportunity Lives Here! This property is being Sold As-Is. Please call today for your private showing.

  13. 2026-01-29
    listed $175,000 Active
    Show marketing remark (750 chars)

    * * * BACK ON MARKET DUE TO BUYERS BEING UNABLE TO SATISFY THEIR CONTINGENCY TO SELL A HOME * * * Great Investment opportunity to Unlock the Potential of this Property. This vacant duplex is a value-add opportunity waiting for the right vision. With solid bones and both units currently unoccupied the property is ready for improvements that can unlock strong rental potential. Each unit has One Bed, One Bath and Laundry hookups. So, whether you're looking to update and hold or reposition for improved cash flow, this duplex offers the chance a welcoming income-producing home for future tenants. Bring your contractor and your creativity. Opportunity Lives Here! This property is being Sold As-Is. Please call today for your private showing.

  14. 2023-08-30
    soldstatus $35,000
  15. 2008-06-19
    soldstatus $20,000
  16. 1991-08-21
    soldstatus $34,537
  17. 1988-07-15
    soldstatus $38,769
  18. 1986-09-19
    soldstatus $37,605
  19. 1985-10-31
    soldstatus $37,150

ⓘ 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
$1,761 · $147/mo
Projected year-2 tax
$1,761 · $147/mo
Expected delta
$0/yr ($0/mo · 0.0%)

ⓘ 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 1/10 Low
  • 🌡 Heat 5/10 Major 6 d/yr ≥105°F today · 15 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
$27,384
− Mortgage interest
−$9,803
− Property taxes
−$1,761
− Insurance
−$875
− Repairs & maintenance
−$2,191
− Management
−$2,191
− Depreciation
−$5,091
Taxable income
$5,473
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,314
After-tax cash flow
$6,672/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

Amenities A+ Commute A+ Cost of living A+ Crime F Employment D+ Housing A+ Health & safety A User ratings C+

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
38.9% rent · 61.1% 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

Price history

+371.1% since first listed
18 events — show timeline
  • 2026-05-15 Pending RCAOR
  • 2026-05-15 Pending GCAR
  • 2026-05-12 Relisted RCAOR
  • 2026-05-12 Relisted GCAR
  • 2026-03-10 Pending RCAOR
  • 2026-03-10 Pending GCAR
  • 2026-03-02 Relisted RCAOR
  • 2026-03-02 Relisted GCAR
  • 2026-02-10 Pending RCAOR
  • 2026-02-10 Pending GCAR
  • 2026-01-29 Listed $175,000 GCAR
  • 2026-01-29 Listed $175,000 RCAOR
  • 2023-08-30 Sold (Public Records) $35,000 Public Records
  • 2008-06-19 Sold (Public Records) $20,000 Public Records
  • 1991-08-21 Sold (Public Records) $34,537 Public Records
  • 1988-07-15 Sold (Public Records) $38,769 Public Records
  • 1986-09-19 Sold (Public Records) $37,605 Public Records
  • 1985-10-31 Sold (Public Records) $37,150 Public Records

Property tax history

+6.0%/yr

Latest (2025): $1,761 · +95.2% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…