ZIP Code · TN

ZIP 37409

Part of Chattanooga, TN

Pop. 3,357·Hamilton County·41st most expensive ZIP in Tennessee

Median rent (all units)

$1,809/mo

Year-over-Year

Stable

Month-over-Month

+0.3%

vs US Median

-$123

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 37409 · $1,809

More expensive than 50% of US ZIP codes · National median $1,932/mo

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Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$1,260

1 BR

$1,320

2 BR

$1,450

3 BR

$1,810

4 BR+

$1,930

Research median

$1,450/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

What a typical income covers

30% of the median household income ($74,754) is $1,869 a month. That covers HUD's Fair Market Rent for up to a 3-bedroom ($1,810); a 4-bedroom is $1,930.

Rank in Chattanooga

10th cheapest of 10 ZIP codes in Chattanooga.

Cheaper nearby

ZIP 37410, 1 mile away, rents for 17% less ($1,508/mo), about $3,600 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 37409. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$21,708/yr

At $1,809/mo median

Location

CityChattanooga

StateTN

CountyHamilton County

Rent Market Meter

Balanced Market

Renter's MarketBalancedLandlord's Market

Rents are roughly steady, with neither renters nor landlords holding a strong edge right now.

Based on rent-price momentum (+0.0% YoY, +0.3% MoM), not inventory.

Demographics

Who lives here

ZIP 37409 (Chattanooga, TN) is majority owner-occupied, skews toward younger working-age adults, 53.7% of residents hold a bachelor's degree or higher.

Population

3,357

Median income

$74,754

Median age

35.5

Renters

39%

Age distribution

15.6%

33.7%

29.1%

13%

Under 1815.6%

18–3433.7%

35–5429.1%

55–648.6%

65+13%

Gender

50.3%

49.7%

Male50.3%

Female49.7%

Race & ethnicity

70.7%

14.9%

White70.7%

Black14.9%

Hispanic4.9%

Asian5.1%

Other4.4%

Education (25+)

18.2%

22.2%

53.7%

No HS diploma5.9%

HS diploma18.2%

Some college22.2%

Bachelor's+53.7%

Housing tenure

61%

39%

Owner61%

Renter39%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 37409 in Chattanooga, TN has changed in 5 years

Income

$62,098 → $74,754

up 20.4%

Population

3,399 → 3,357

down 1.2%

Renter share

33.9% → 39%

+5.1 pts

Bachelor's+

53.2% → 53.7%

+0.5 pts

Median age

36.9 → 35.5

-1.4 yrs

Household income in the area moved from $62,098 to $74,754 across the same window, up 20.4% versus 2021. Census counts show ZIP 37409 in Chattanooga, TN losing about 42 residents over the five-year window, down 1.2% on net. The renter share has risen from 33.9% to 39%, with owner-occupied housing accounting for the remainder.

Community

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Local insights

Tips for renters in ZIP 37409

About renting in ZIP 37409

Last updated: October 17, 2026

ZIP code 37409 covers Chattanooga, TN. The median rent here is $1,809/mo as of October 2026. A 1-bedroom rents for a median of $1,320/mo. A 2-bedroom rents for a median of $1,450/mo.

At 29% of local median household income ($74,754/yr), ZIP 37409 ranks as affordable compared to the national benchmark of 30%. Rent prices have stayed steady over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 37409?

To keep rent at or below 30% of gross income, you would need to earn at least $72,000/year (about $35/hour full-time) to afford the median rent of $1,809/mo in ZIP 37409. The local median household income is $74,754/yr, so the typical household meets that bar.