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900 Mountain Creek Rd Unit K 144
D Composite 42.39
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 +10.6/15.0
  • Cash flow +9.7/30.0
  • 1% rule +5.3/10.0
  • Condition / age +4.0/5.0
  • Rent growth +3.9/5.0
  • Livability +3.9/5.0
  • DSCR +2.7/10.0
  • Schools +2.2/10.0
  • Appreciation +0.0/10.0

$130,000

900 Mountain Creek Rd Unit K 144 · Chattanooga, TN 37405
2 bd · 1.5 ba · 950 sqft · Condo · 132 Days on market
Built 1975 Good condition $137/sqft · 7% below area Est $140k · 7% under $245/mo HOA · 18% of rent ↓ 13% since listing
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

*Back on the Market due to no fault of the seller* *Brand new HVAC as of 4/24/2026* Beautifully Updated 2BR/1.5BA CORNER UNIT Townhome-Style Condo. Move-in ready and full of very well done updates, this two-story condo corner unit in Building K offers comfort, style, and unbeatable convenience being minutes to UTC and Downtown Chattanooga. Recent improvements include new wood-look vinyl flooring and carpeting, modern bathroom fixtures and vanities, fresh paint throughout, updated light fixtures, new kitchen countertops, new stainless appliances, and refreshed cabinetry with updated hardware. The second-floor entry leads into a spacious, open-concept living and dining area, perfect for entertaining, just off the kitchen. A convenient half bath is also located on the main level. Upstairs features two generously sized bedrooms, a full bath and great closet space. Prime Location...just minutes to Downtown Chattanooga and the University of Tennessee at Chattanooga (UTC), ideal for students, professionals, or anyone seeking easy access to the city's best amenities. You're also only 3 minutes from Erlanger North and close to North Shore's vibrant dining, shopping, and outdoor attractions. Additionally, this condo is located near the foot of Signal Mountain, providing quick access to hiking trails, mountain biking, and countless outdoor adventures. Don't miss out...schedule your showing today!

Key facts

  • New hvac
  • New water heater
  • Corner unit

Tags

CORNER UNITNEW HVACNEW WATER HEATERNEW WOOD-LOOK VINYL FLOORINGMODERN BATHROOM FIXTURESUPDATED LIGHT FIXTURES

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2-bed/1.5-bath condo listed at $130k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $-512 ($-6k/yr) — negative.
  • To cash-flow at today's rent, offer at most $56k (57.0% below list).
  • Meets the 1% rule at list price ($1k rent vs $130k).
  • Recommended offer: $56k (57.0% below list) — sets the bar for cash-flow.
  • Cap rate 5.5% vs local median 3.6% 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: 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); 475 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 60% 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 $899 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

  • It's been on market 132 days — a 12% lower offer ($114k) is reasonable based on typical stale-listing flexibility.
  • 2 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.

Risks & watch-outs

  • Watch-outs: flood insurance adds $427/mo.
  • 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.
Recommended offer $55,883 (57.0% below list)

Questions for the listing agent

  1. 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?
  2. It's been on market 132 days. Have you received any prior offers? Is the seller open to a 57% concession, seller financing, or rate buy-down credit?
  3. Built in 1975 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
  5. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  6. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
  7. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  8. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  9. 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?
  10. 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?
  11. 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?
  12. 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.
  13. 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.
  14. 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
1.03% ✓
Cap rate
5.50%
Cash-on-cash
-2.82%
DSCR
0.87
GRM
8.1

CMA / ARV

ARV (median comp)
$139,649
List price
$130,000
Delta
-6.91%
Verdict
FAIR
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 E-71 0.08mi 2/1.5 950 (0%) 3mo $125,000 $132 94
900 Mountain Creek Rd #028 0.14mi 2/1.5 950 (0%) 0mo $75,000 $79 93
900 Mountain Creek Rd #067 0.13mi 2/1.5 950 (0%) 4mo $65,000 $68 91
900 Mountain Creek Rd Unit P247 0.00mi 2/2.0 1,036 (+9%) 1mo $135,000 $130 82
900 Mountain Creek Rd Unit P234 0.00mi 2/2.0 1,036 (+9%) 4mo $139,000 $134 79
900 Mountain Creek Rd #332 0.03mi 2/2.0 1,036 (+9%) 4mo $82,500 $80 79
113 Southview St 0.44mi 3/2.0 (+1) 926 (-2%) 3mo $285,000 $308 66
114 Peace St 1.08mi 2/1.0 952 (+0%) 4mo $250,000 $263 59
315 Hillsview Dr 0.39mi 2/1.0 1,152 (+21%) 1mo $115,000 $100 54
187 Sims Dr 0.80mi 1/1.0 (-1) 960 (+1%) 3mo $235,000 $245 54
145 Signal Hills Dr 0.58mi 2/1.0 800 (-16%) 3mo $182,000 $228 44
142 Alden Ave 1.31mi 2/1.0 1,113 (+17%) 3mo $279,900 $251 36

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

5-year hold
IRR
-42.3%
Equity multiple
-0.36×
Total profit
$-49,605
Equity at exit
$19,383
10-year hold
IRR
-36.3%
Equity multiple
-0.86×
Total profit
$-67,631
Equity at exit
$11,240

Cash invested: $36,400 (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.
Methodology + full state rankings →

Active competition Active MLS

For sale now
1 active · 1 under contract
Median asking
$130,000 ($137/sqft)
Median days on market
4 d
This list price
lowest-priced of the active set
ARV vs active asking
+7.4% 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
475
Price-to-rent
8.1×

Monthly cashflow live

Estimated rent
$1,339 high interval (Pro) →
Mortgage (P&I)
−$682
Tax est. 1.5%
−$162 /mo · $1,950/yr
Insurance
−$54
Flood insurance flood zone
−$427 /mo · $5,118/yr
HOA
−$245
Vacancy / Maint / Mgmt
−$281
Net cashflow
$-512

Break-even live

Break-even rent $1,987
Max offer price $55,883
Occupancy floor —

Sensitivity live

Price -10% $-422 -5% $-467 +0% $-512 +5% $-557 +10% $-602
Rent -10% $-618 -5% $-565 +0% $-512 +5% $-459 +10% $-406
Rate -1.0pp $-447 -0.5pp $-479 base $-512 +0.5pp $-546 +1.0pp $-580

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
$32,500
Closing costs
$3,900
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 40 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
900 Mountain Creek Rd Unit A3 Chattanooga, TN 2.0 2.0 950 $1,250 $1.32 8d 1 0.03mi
900 Mountain Creek Rd Unit A3 Chattanooga, TN 2.0 2.0 950 $1,250 $1.32 1d 1 0.03mi
105 Cross St Chattanooga, TN 3.0 1.0 1064 $2,000 $1.88 33d 1 0.33mi
105 Cross St Chattanooga, TN 3.0 1.0 1064 $2,000 $1.88 1d 1 0.33mi
936 Mountain Creek Rd Chattanooga, TN 1.0–3.0 1.0–2.5 1000 $1,396 $1.40 0d 21 0.43mi
505 Mountain Ridge Rd Chattanooga, TN 2.0 1.5 1116 $1,095 $0.98 164d 1 0.65mi
800 Lullwater Rd Unit 816 Chattanooga, TN 2.0 1.0 650 $925 $1.42 51d 1 0.71mi
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 51d 1 0.75mi
141 Hendricks Blvd Unit 141-6 Chattanooga, TN 1.0 1.0 1000 $899 $0.90 164d 1 0.76mi
141 Hendricks Blvd Apt 3 Chattanooga, TN 1.0 1.0 1000 $1,049 $1.05 154d 1 0.76mi
514 Lullwater Rd Chattanooga, TN 3.0 1.0 985 $1,395 $1.42 46d 1 0.81mi
424 Hedgewood Dr Chattanooga, TN 3.0 1.0 1101 $1,599 $1.45 22d 1 0.90mi
313 California Ave Unit A Chattanooga, TN 1.0 1.0 750 $1,000 $1.33 51d 1 0.92mi
219 Vreeland St Chattanooga, TN 2.0 2.0 1092 $1,900 $1.74 10d 1 1.00mi
505 Bruning Ln Chattanooga, TN 2.0 1.5 1085 $1,175 $1.08 10d 1 1.00mi
505 Bruning Ln Unit 1 Chattanooga, TN 2.0 1.0 1085 $1,175 $1.08 31d 1 1.00mi
505 Bruning Ln Unit 1 Chattanooga, TN 2.0 1.0 1085 $1,175 $1.08 10d 1 1.00mi
217 Sweetland Dr Chattanooga, TN 2.0 1.0 844 $950 $1.13 164d 1 1.01mi
217 Sweetland Dr Chattanooga, TN 2.0 1.0 850 $940 $1.11 0d 1 1.01mi
167 W Ridgewood Ave Red Bank, TN 2.0 1.0 800 $1,373 $1.72 51d 1 1.05mi
113 Goodson Ave Unit 10 Chattanooga, TN 2.0 1.0 711 $840 $1.18 154d 1 1.06mi
113 Goodson Ave Unit 11 Chattanooga, TN 2.0 1.0 711 $850 $1.20 154d 1 1.06mi
113 Goodson Ave Chattanooga, TN 1.0 1.0 600 $890 $1.48 2d 1 1.06mi
121 Goodson Ave Unit F Chattanooga, TN 1.0 1.0 665 $950 $1.43 164d 1 1.09mi
300 W Midvale Ave Chattanooga, TN 1.0 1.0 850 $925 $1.09 38d 1 1.09mi
300 W Midvale Ave Chattanooga, TN 1.0 1.0 850 $925 $1.09 41d 1 1.09mi
300 W Midvale Ave Chattanooga, TN 1.0–2.0 1.0–1.5 1050 $1,299 $1.24 154d 4 1.09mi
125 Goodson Ave Chattanooga, TN 1.0 1.0 844 $1,100 $1.30 162d 1 1.10mi
2614 Berkley Dr Chattanooga, TN 2.0 1.0 1100 $2,150 $1.95 10d 1 1.13mi
112 Sweetland Dr Unit 1 Chattanooga, TN 1.0 1.0 850 $1,000 $1.18 10d 1 1.14mi
109 Peace St Unit 123 Red Bank, TN 1.0 1.0 600 $950 $1.58 164d 1 1.14mi
109 Peace St Unit 141 Red Bank, TN 1.0 1.0 600 $975 $1.62 162d 1 1.14mi
127 Goodson Ave Chattanooga, TN 1.0–2.0 1.0 792 $1,190 $1.50 164d 1 1.15mi
1185 Mountain Creek Rd Chattanooga, TN 1.0–2.0 1.0–2.0 868 $1,407 $1.62 0d 15 1.20mi
109 Signal View St Unit A Chattanooga, TN 2.0 1.0 846 $1,199 $1.42 164d 1 1.21mi
109 Signal View St Unit D Chattanooga, TN 2.0 1.0 850 $1,100 $1.29 51d 1 1.21mi
109 Signal View St Unit C Chattanooga, TN 2.0 1.0 850 $1,125 $1.32 10d 1 1.21mi
154 Goodson Ave Apt 2B Chattanooga, TN 1.0 1.0 624 $1,073 $1.72 49d 1 1.25mi
154 Goodson Ave Unit 1B Chattanooga, TN 1.0 1.0 650 $800 $1.23 0d 1 1.25mi

Property features AI

Finance

HOA & community
Homeowners association with monthly feeAssociation amenities include clubhouse, dog park, fitness center, gated access, grounds maintenance, playground, year-round pond, pool, tennis courts, and waterAssociation fee includes grounds maintenance, pest control, sewer, trash, and water

Exterior

Parking
Off-street parking
Security
Gated communitySecurity guardSmoke detectors
Utilities
Public waterPrivate sewerElectricity connected
Home design
Multi-family condominiumResidential propertyUpdated/remodeled conditionTwo levelsSecond-floor unit (directions indicate Unit K 144 is on the second floor)
Construction
Built with other construction materialsSlab foundation
Exterior features
Association poolOther exterior featuresNo fencingShingle roof

Interior

Kitchen
RefrigeratorMicrowaveElectric rangeDishwasher
Bedrooms
Total of 5 rooms (includes bedrooms and living spaces)
Flooring
CarpetSimulated woodVinyl
Bathrooms
1 full bathroom1 half bathroom
Heating & cooling
Central heatingCentral air conditioning
Interior features
Laminate countersAluminum frame windows with blindsSecurity guard and smoke detectors
Laundry & utility
Common area laundry

HOA detail $245/mo · $2,940/yr condo

Assessments
None detected in remarks — confirm with the listing agent.

Listing history 50 events

  1. 2026-11-08
    days on market $130,000 Active 132 DOM
  2. 2026-11-07
    days on market $130,000 Active 131 DOM
  3. 2026-11-06
    days on market $130,000 Active 130 DOM
  4. 2026-11-05
    days on market $130,000 Active 129 DOM
  5. 2026-11-04
    days on market $130,000 Active 128 DOM
  6. 2026-11-02
    days on market $130,000 Active 126 DOM
  7. 2026-11-01
    days on market $130,000 Active 125 DOM
  8. 2026-10-31
    days on market $130,000 Active 124 DOM
  9. 2026-10-30
    days on market $130,000 Active 123 DOM
  10. 2026-10-29
    days on market $130,000 Active 122 DOM
  11. 2026-10-28
    days on market $130,000 Active 121 DOM
  12. 2026-10-27
    days on market $130,000 Active 120 DOM
  13. 2026-10-26
    days on market $130,000 Active 119 DOM
  14. 2026-10-25
    days on market $130,000 Active 118 DOM
  15. 2026-10-24
    days on market $130,000 Active 117 DOM
  16. 2026-10-23
    days on market $130,000 Active 116 DOM
  17. 2026-10-22
    days on market $130,000 Active 115 DOM
  18. 2026-10-21
    days on market $130,000 Active 114 DOM
  19. 2026-10-20
    days on market $130,000 Active 113 DOM
  20. 2026-10-19
    days on market $130,000 Active 112 DOM
  21. 2026-10-18
    days on market $130,000 Active 111 DOM
  22. 2026-10-17
    days on market $130,000 Active 110 DOM
  23. 2026-10-16
    days on market $130,000 Active 109 DOM
  24. 2026-10-15
    days on market $130,000 Active 108 DOM
  25. 2026-10-14
    days on market $130,000 Active 107 DOM
  26. 2026-10-13
    days on market $130,000 Active 106 DOM
  27. 2026-10-12
    days on market $130,000 Active 105 DOM
  28. 2026-10-11
    days on market $130,000 Active 104 DOM
  29. 2026-10-10
    days on market $130,000 Active 103 DOM
  30. 2026-10-09
    days on market $130,000 Active 102 DOM
  31. 2026-10-08
    days on market $130,000 Active 101 DOM
  32. 2026-10-07
    days on market $130,000 Active 100 DOM
  33. 2026-10-06
    days on market $130,000 Active 99 DOM
  34. 2026-10-05
    days on market $130,000 Active 98 DOM
  35. 2026-10-04
    days on market $130,000 Active 97 DOM
  36. 2026-10-04
    days on market $130,000 Active 96 DOM
  37. 2026-10-02
    days on market $130,000 Active 95 DOM
  38. 2026-10-01
    days on market $130,000 Active 94 DOM
  39. 2026-09-30
    days on market $130,000 Active 93 DOM
  40. 2026-09-29
    days on market $130,000 Active 92 DOM
  41. 2026-09-28
    days on market $130,000 Active 91 DOM
  42. 2026-09-27
    days on market $130,000 Active 90 DOM
  43. 2026-09-26
    days on market $130,000 Active 89 DOM
  44. 2026-09-25
    days on market $130,000 Active 88 DOM
  45. 2026-09-24
    days on market $130,000 Active 87 DOM
  46. 2026-09-23
    days on market $130,000 Active 86 DOM
  47. 2026-09-22
    days on market $130,000 Active 85 DOM
  48. 2026-09-21
    days on market $130,000 Active 84 DOM
  49. 2026-09-20
    days on market $130,000 Active 83 DOM
  50. 2026-09-18
    days on market $130,000 Active 81 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
$16,067
− Mortgage interest
−$7,282
− Property taxes
−$1,950
− Insurance
−$5,768
− Repairs & maintenance
−$1,285
− Management
−$1,285
− HOA
−$2,940
− Depreciation
−$3,782
Taxable loss
−$8,226
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$1,974
After-tax cash flow
$-4,172/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

Good 80/100 Cosmetic rehab Est. rehab $4,750–$14,250 screening

This two-story condo corner unit is in good condition with recent updates, making it move-in ready and well-suited for both resale and rental.

Value-add opportunities

  • Resale Painting the exterior siding and roof — Painting the exterior can enhance the home's curb appeal and make it more attractive to potential buyers. ↑
  • Rental Landscaping improvements — Well-maintained landscaping can attract more tenants and make the property more appealing. ↑

ⓘ 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.

F Composite school gradezoned avg 22/100

Zoned Schools

Elementary Red Bank Elementary F TN #400/952 Nat'l #26,096/41,679 Middle Red Bank Middle School F TN #236/333 Nat'l #12,913/14,009 High Red Bank High School F TN #156/332 Nat'l #13,633/17,239

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
B Composite livability gradescore 78/100

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 · 393,784 people
City population
131,999
Metro
Chattanooga, TN-GA
Population (ZIP)
18,109
Household income
$81,337
Rent vs Own
51.3% rent · 48.7% 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%
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
—

Price history

-13.0% since first listed
5 events — show timeline
  • 2026-06-29 Listed $130,000 GCAR
  • 2026-06-25 Listing Removed — REALTRACS as Distributed by MLS Grid
  • 2026-04-24 Listed $130,000 REALTRACS as Distributed by MLS Grid
  • 2026-01-13 Price Changed $130,000 GCAR
  • 2025-09-22 Price Changed $149,500 GCAR

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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