ZIP Code · TN

ZIP 37411

Part of Chattanooga, TN

Pop. 18,997·Hamilton County·98th most expensive ZIP in Tennessee

Median rent (all units)

$1,491/mo

Year-over-Year

-0.7%

Month-over-Month

Stable

vs US Median

-$441

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 37411 · $1,491

More affordable than 74% 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

$1,170

1 BR

$1,220

2 BR

$1,340

3 BR

$1,670

4 BR+

$1,790

Research median

$1,340/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

Compared with the peak

Rent in ZIP 37411 is 0.7% below its high of $1,501 in September 2025, at $1,491 as of September 2026.

Past year vs. the rest of Tennessee

Rent in ZIP 37411 changed -0.7% over the year to September 2026. Across the 127 Tennessee ZIP codes Zillow tracks, the typical change was +1.8%.

Recent direction

Rent rose in 4 of the last 12 months.

What a typical income covers

30% of the median household income ($56,579) is $1,414 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,340); a 3-bedroom is $1,670.

Rank in Chattanooga

3rd cheapest of 10 ZIP codes in Chattanooga.

Cheaper nearby

ZIP 37416, 5 miles away, rents for 10% less ($1,335/mo), about $1,900 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 37411. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$17,892/yr

At $1,491/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 (-0.7% YoY, -0.1% MoM), not inventory.

Demographics

Who lives here

ZIP 37411 (Chattanooga, TN) is majority owner-occupied, has a median income below the national average, 30.5% of residents hold a bachelor's degree or higher.

Population

18,997

Median income

$56,579

Median age

36.4

Renters

38.9%

Age distribution

23.1%

25.3%

20.9%

13.1%

17.5%

Under 1823.1%

18–3425.3%

35–5420.9%

55–6413.1%

65+17.5%

Gender

44.5%

55.5%

Male44.5%

Female55.5%

Race & ethnicity

41.7%

43.5%

White41.7%

Black43.5%

Hispanic8.8%

Asian1.2%

Other4.7%

Education (25+)

23.7%

36.8%

30.5%

No HS diploma9%

HS diploma23.7%

Some college36.8%

Bachelor's+30.5%

Housing tenure

61.1%

38.9%

Owner61.1%

Renter38.9%

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

2022 vs 2026

How ZIP 37411 in Chattanooga, TN has changed in 5 years

Rent

$1,316 → $1,491

up 13.3%

Income

$45,728 → $56,579

up 23.7%

Population

18,379 → 18,997

up 3.4%

Renter share

42.7% → 38.9%

-3.8 pts

Bachelor's+

27.3% → 30.5%

+3.2 pts

Median age

39.3 → 36.4

-2.9 yrs

The median rent in ZIP 37411 in Chattanooga, TN stood at $1,316 in 2022 and currently runs about $1,491, reflecting a 13.3% increase over the period. Median household income rose from $45,728 to $56,579 between 2021 and 2024, a 23.7% shift. On paper, paychecks moved up faster than rent, which softens the affordability squeeze versus the 2021 baseline. The population has grown by 3.4% since 2021, moving from about 18,379 residents to roughly 18,997. Renters now make up 38.9% of households, compared with 42.7% five years ago. College-educated residents now make up 30.5% of adults here, versus 27.3% in 2021. Taken together, the five-year picture in ZIP 37411 in Chattanooga, TN reflects how housing costs and the people paying them have evolved through a stretch that included a pandemic, a hot rental market, and a recent cooling phase.

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About renting in ZIP 37411

Last updated: October 17, 2026

ZIP code 37411 covers Chattanooga, TN. The median rent here is $1,491/mo as of October 2026. A 1-bedroom rents for a median of $1,220/mo. A 2-bedroom rents for a median of $1,340/mo.

At 32% of local median household income ($56,579/yr), ZIP 37411 ranks as moderate compared to the national benchmark of 30%. Rents have decreased 0.7% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 37411?

To keep rent at or below 30% of gross income, you would need to earn at least $60,000/year (about $29/hour full-time) to afford the median rent of $1,491/mo in ZIP 37411. The local median household income is $56,579/yr, so the typical household falls short of that bar.

Is rent going up or down in ZIP 37411?

Rent in ZIP 37411 has fallen 0.7% over the past year as of September 2026. It sits 0.7% below its high of $1,501 in September 2025.

How does ZIP 37411 compare to other ZIPs in Tennessee?

ZIP 37411 is one of the more affordable among Tennessee ZIP codes for rent, ranking #98 of 147 at $1,491/mo. Over the year to September 2026, rent in ZIP 37411 changed -0.7%, against a typical +1.8% across the 127 Tennessee ZIP codes Zillow tracks.