ZIP Code · TN

ZIP 37412

Part of East Ridge, TN

Pop. 21,864·Hamilton County·105th most expensive ZIP in Tennessee

Median rent (all units)

$1,457/mo

Year-over-Year

+5.0%

Month-over-Month

+1.5%

vs US Median

-$475

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 37412 · $1,457

More affordable than 76% 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

$1,210

1 BR

$1,260

2 BR

$1,390

3 BR

$1,730

4 BR+

$1,850

Research median

$1,390/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 37412 is at its highest level since Zillow's records here began in October 2022.

Past year vs. the rest of Tennessee

Rent in ZIP 37412 changed +5.0% over the year to September 2026. Across the 127 Tennessee ZIP codes Zillow tracks, the typical change was +1.8%.

Recent direction

Rent has risen 7 months in a row, and rose in 9 of the last 12 months.

What a typical income covers

30% of the median household income ($62,508) is $1,563 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,390); a 3-bedroom is $1,730.

Cheaper nearby

ZIP 30742, 3 miles away, rents for 12% less ($1,288/mo), about $2,000 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 37412. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$17,484/yr

At $1,457/mo median

Location

CityEast Ridge

StateTN

CountyHamilton County

Rent Market Meter

Strong Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are up 5.0% year-over-year. Expect competition, and move quickly to lock in terms.

Based on rent-price momentum (+5.0% YoY, +1.5% MoM), not inventory.

Demographics

Who lives here

ZIP 37412 (East Ridge, TN) is majority owner-occupied, has a median income below the national average, 24.5% of residents hold a bachelor's degree or higher.

Population

21,864

Median income

$62,508

Median age

37.4

Renters

42.3%

Age distribution

20.3%

25.8%

23.2%

12.2%

18.5%

Under 1820.3%

18–3425.8%

35–5423.2%

55–6412.2%

65+18.5%

Gender

48.7%

51.3%

Male48.7%

Female51.3%

Race & ethnicity

73%

16.6%

White73%

Black10.5%

Hispanic16.6%

Asian1.6%

Education (25+)

13.9%

27.8%

33.7%

24.5%

No HS diploma13.9%

HS diploma27.8%

Some college33.7%

Bachelor's+24.5%

Housing tenure

57.7%

42.3%

Owner57.7%

Renter42.3%

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

2023 vs 2026

How ZIP 37412 in East Ridge, TN has changed in 5 years

Rent

$1,352 → $1,457

up 7.8%

Income

$50,226 → $62,508

up 24.5%

Population

21,937 → 21,864

down 0.3%

Renter share

39.4% → 42.3%

+2.9 pts

Bachelor's+

22% → 24.5%

+2.5 pts

Median age

41.1 → 37.4

-3.7 yrs

Across the past five years, the going rent in ZIP 37412 in East Ridge, TN has shifted from $1,352 to $1,457, up 7.8% since 2023. Local incomes tracked alongside that move, going from a median of $50,226 in 2021 to $62,508 more recently. With wages climbing faster than rent over the same window, renters here have a bit more breathing room than they did five years back. The renter share has risen from 39.4% to 42.3%, with owner-occupied housing accounting for the remainder. Bachelor's-degree-or-higher attainment moved from 22% to 24.5% across the same window. These shifts give renters and would-be renters a longer baseline for sizing up today's listings against the ZIP 37412 in East Ridge, TN market of 2023.

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About renting in ZIP 37412

Last updated: October 17, 2026

ZIP code 37412 covers East Ridge, TN. The median rent here is $1,457/mo as of October 2026. A 1-bedroom rents for a median of $1,260/mo. A 2-bedroom rents for a median of $1,390/mo.

At 28% of local median household income ($62,508/yr), ZIP 37412 ranks as affordable compared to the national benchmark of 30%. Rents have increased 5.0% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 37412?

To keep rent at or below 30% of gross income, you would need to earn at least $58,000/year (about $28/hour full-time) to afford the median rent of $1,457/mo in ZIP 37412. The local median household income is $62,508/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 37412?

Rent in ZIP 37412 has risen 5.0% over the past year as of September 2026. That is the highest level since Zillow's records here began in October 2022.

How does ZIP 37412 compare to other ZIPs in Tennessee?

ZIP 37412 is one of the more affordable among Tennessee ZIP codes for rent, ranking #105 of 147 at $1,457/mo. Over the year to September 2026, rent in ZIP 37412 changed +5.0%, against a typical +1.8% across the 127 Tennessee ZIP codes Zillow tracks.