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ZIP Code · TN

ZIP 37409

Pop. 3,357·Hamilton County·28th most expensive ZIP in Tennessee
Median rent (all units)
$2,033/mo
Year-over-Year
Stable
Month-over-Month
+2.1%
vs US Median
+$68
Rising (Monthly)
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Most AffordableMost Expensive
ZIP 37409 · $2,033
More expensive than 62% of US ZIP codes · National median $1,965/mo
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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: July 20, 2026

Annual cost
$24,396/yr
At $2,033/mo median
Location
StateTN
CountyHamilton County
Rent Market Meter
Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are climbing (0.0% YoY), so leverage tilts toward landlords. Act sooner rather than later.
Based on rent-price momentum (+0.0% YoY, +2.1% 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: July 20, 2026

ZIP code 37409 covers Chattanooga, TN. The median rent here is $2,033/mo as of July 2026. A 1-bedroom rents for a median of $1,320/mo. A 2-bedroom rents for a median of $1,450/mo.

At 33% of local median household income ($74,754/yr), ZIP 37409 ranks as moderate compared to the national benchmark of 30%. Rent prices have stayed steady over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 37409?

As of July 20, 2026, the median monthly rent in ZIP 37409 (Chattanooga, TN) is $2,033. This is based on aggregated data from public sources and community submissions.

How does ZIP 37409 rent compare to the US average?

ZIP 37409's median rent of $2,033/mo is $68 (3%) above the US national median of $1,965/mo.

How does ZIP 37409 compare to other ZIPs in Tennessee?

ZIP 37409 is one of the pricier ZIP codes in Tennessee, ranking #28 out of 145 ZIPs tracked at $2,033/mo.

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 $81,000/year (~$39/hour full-time) to afford the median rent of $2,033/mo in ZIP 37409. The local median household income is $74,754/yr, meaning the typical household falls short of that threshold.

Is rent going up or down in ZIP 37409?

Rent in ZIP 37409 has been relatively stable over the past year, with a 0.0% change year over year as of July 20, 2026.

Is ZIP 37409 an affordable place to rent?

ZIP 37409 is considered moderate for renters. At $2,033/mo, rent takes approximately 33% of the local median household income ($74,754/yr). The standard benchmark is 30%. ZIP 37409 slightly exceeds that threshold, so budgeting carefully matters here.

What percentage of ZIP 37409 residents rent vs. own?

According to Census data, approximately 39% of ZIP 37409 households are renters, while 61% are owner-occupied. ZIP 37409 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 37409 compare to the rest of Chattanooga?

ZIP 37409 is pricier than Chattanooga as a whole. At $2,033/mo, it's $528 above the Chattanooga citywide median of $1,505/mo.

When was rent data for ZIP 37409 last updated?

Rent data for ZIP 37409 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
33%
MODERATE

At $2,033/mo, rent takes ~33% of ZIP 37409's median household income ($74,754/yr). The standard benchmark is 30%.

ZIP 37409 33%Benchmark 30%
State income taxNone
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Schools nearby

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