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Living in
Chattanooga.
About
Life in Chattanooga
If you're considering a move here, forget the postcard version—Chattanooga is a mid-sized city in genuine transition, and that's actually its strength. The economy has diversified well beyond its heavy industrial past, now anchored by automotive manufacturing, advanced manufacturing, healthcare, insurance, and corporate back-office operations, which means you'll find actual job opportunities across different sectors rather than betting everything on one industry. The downtown waterfront revival is legitimate, not hype: over $5 billion in private investment has flowed in since the Tennessee Aquarium opened in 1992, and you'll actually see people living and working downtown now, not just visiting.
Chattanooga at a Glance
Population, income, housing and more
Median Age
36.3 yrs
Poverty Rate
19.1%
Foreign-Born
8.3%
Broadband Internet
90.4%
of households
Population Growth
+6.9%
recent change · Census Bureau
Median household income
Demographics8.3% foreign-born, most often from Guatemala
Who lives in Chattanooga: race and ethnicity, ages, households, languages and countries of origin
In Chattanooga, the largest foreign-born group is from Guatemala (26.1%), and 7.8% of residents speak Spanish at home.
Under 18
21.0%
of residents
65 and Older
17.3%
of residents
Households with Kids
23.7%
anyone under 18
Living Alone
37.1%
of households
Married Couples
35.0%
of households
Avg Household Size
2.26
people
Race & Ethnicity
Hispanic or Latino of any race; other groups are non-Hispanic
Top countries of origin (foreign-born)
Languages Spoken at Home
Cost of Livingrent 6% above TN average
Rent, home values, and income in Chattanooga
In Chattanooga, rent runs 6% above the TN average.
Median rent (per month)
Median home value
Rent Burdened
43.8%
spending 30%+ of income on rent
Severely Rent Burdened
22.9%
spending 50%+
Cost of Living Index
91.5
metro area (BEA) · US avg = 100
Median Property Tax
$2,265
per year, owner-occupied homes
Homeowners
52.4%
of occupied homes are owned
Typical Home Built
1976
median year built
Vacant Homes
10.1%
of housing units
Home Value Trend
Latest: $314,999 (September 2026)
Jobs & Economyunemployment about average for TN
Unemployment in Chattanooga and typical pay across the metro area
Unemployment in Chattanooga is close to the TN average.
Unemployment rate
City-level rate · BLS annual average
Unemployment Rate — 10 Year Trend
City-level (BLS) · Annual averages
What Chattanooga Residents Do for Work · share of employed residents by industry
City residents, wherever they work
Median Salary by Occupation · metro area
Chattanooga, TN-GA metro area
Commute18.5 min avg
How Chattanooga residents get to work, and the nearest airports
In Chattanooga, most residents drive alone to work (74%), and 83% get there in under 30 minutes.
How People Get to Work
Commute Time Distribution
Nearest airports · with airline service
- 6 mi
Chattanooga Metropolitan Airport (Lovell Field) (CHA)
Small hub632k passengers boarded in 2025
- 107 mi
Nashville International Airport (BNA)
Major hub12.5M passengers boarded in 2025
Straight-line distance. Size is the FAA’s hub category, based on passenger traffic: regional airports may have only a few flights a day.
Safetyviolent crime 106% above national average
Crime rates for 2025
Violent crime in Chattanooga runs 106% above the national average.
Violent Crime Rate
679.8
per 100,000 residents
Above average (329 national, 2025)
Property Crime Rate
3,318.5
per 100,000 residents
Above average (1,552 national, 2025)
Chattanooga Police Department
Natural DisastersThunderstorm Wind most common — 23 events in 2025
Natural hazard risk, storms and earthquakes
FEMA National Risk Index
Relatively Moderate
93.3 / 100
Compares expected losses from natural hazards, social vulnerability and community resilience against every US county (higher = more risk).
Hamilton County, county-wide · FEMA NRI December 2025
In Hamilton County, which includes Chattanooga, the most common type is thunderstorm wind, with 23 recorded events in 2025.
Most common events:
Storm events by year
| Year | Events | Top Type | Property Damage |
|---|---|---|---|
| 2025 | 23 | Thunderstorm Wind | $2.5M |
| 2024 | 11 | Thunderstorm Wind | None reported |
| 2023 | 19 | Thunderstorm Wind | None reported |
| 2022 | 12 | Thunderstorm Wind | None reported |
| 2021 | 10 | Flash Flood | $2,000 |
| 2020 | 12 | Thunderstorm Wind | $2.5M |
| 2019 | 6 | Thunderstorm Wind | $3.0M |
| 2018 | 13 | Thunderstorm Wind | $1.6M |
Property damage is the National Weather Service's estimate filed with each event. “None reported” means the events were logged with $0 damage; “Not estimated” means no estimate was filed. Storms covering several counties aren't counted here, since NOAA doesn't split their damage by county.
0 earthquakes of magnitude 2.5+ within 100 miles in the past year
Hamilton County, county-wide
Air Quality44 median AQI — Good
Days by air quality category (2025)
Air quality in Hamilton County, which includes Chattanooga, is typically good — 237 good-air days per year.
Median AQI
44
Good Days
237
per year
Moderate Days
126
per year
Unhealthy Days
0
per year
Hamilton County, county-wide
Climate89°F summers, 34°F winters
30-year climate averages (1991–2020) — monthly temperatures and precipitation
Chattanooga has warm summers (avg high 89°F) and mild winters (avg low 34°F).
Spring (Mar–May)
73°/50°F
avg high / low
Summer (Jun–Aug)
89°/70°F
avg high / low
Fall (Sep–Nov)
73°/52°F
avg high / low
Winter (Dec–Feb)
53°/34°F
avg high / low
Annual Precipitation
55.0"
Annual Snowfall
3.6"
Hot Days/Year
58
days above 90°F
Freeze Days/Year
56
days below 32°F
Rainy Days/Year
123
Average month
Show month-by-month table ↓Hide table ↑
| Month | High | Low | Precip |
|---|---|---|---|
| Jan | 51°F | 32°F | 5.02" |
| Feb | 56°F | 36°F | 5.03" |
| Mar | 64°F | 42°F | 5.34" |
| Apr | 74°F | 50°F | 4.87" |
| May | 81°F | 59°F | 3.94" |
| Jun | 88°F | 67°F | 4.18" |
| Jul | 91°F | 71°F | 5.08" |
| Aug | 90°F | 70°F | 3.67" |
| Sep | 84°F | 64°F | 4.23" |
| Oct | 74°F | 51°F | 3.59" |
| Nov | 62°F | 40°F | 4.80" |
| Dec | 53°F | 35°F | 5.25" |
Healthcare5 hospitals, avg 4.3/5
Hospitals, ratings, and health insurance in Chattanooga
Chattanooga has 5 hospitals, averaging 4.3 out of 5 on CMS's quality rating — above-average care.
Hospitals
5
within city limits
Uninsured
12.2%
of residents
Avg Hospital Rating
4.3 / 5
Memorial Healthcare System, Inc.
Acute Care Hospitals
- Main campus: Memorial Healthcare System, inc · 2525 Desales Ave
- Hospital campus: CommonSpirit Memorial Hospital Hixson · 2051 Hamill Rd, Hixson
Erlanger Medical Center
Acute Care Hospitals · ER available
Parkridge Medical Center
Acute Care Hospitals · ER available
- Main campus: Parkridge Medical Center · 2333 Mccallie Ave
- Hospital campus: Parkridge East Hospital · 941 Spring Creek Rd, Chattanooga
- Hospital campus: Parkridge Valley Child and Adolescent Campus · 2200 Morris Hill Rd, Chattanooga
- Outpatient center: Parkridge Valley Adult & Senior Campus · 7402 Lee Hwy, Chattanooga
Moccasin Bend Mental Health Institute
Psychiatric
Nearby hospitals · within 15 miles
Commonspirit-memorial Hospital-north Georgia
Acute Care Hospitals · ER available · 9.8 mi away · Ringgold
Adult Health · vs. the typical US place
Share of adults. Modeled estimates, not counted cases. “US” = the typical US place.
Medicare-certified hospitals only. Doesn’t include clinics, urgent care, or freestanding ERs. Campus locations © OpenStreetMap contributors.
Education14.6:1 student/teacher ratio
Schools and degree attainment in Chattanooga
Chattanooga's student/teacher ratio is 14.6:1 (lower than the national average of 16:1), and 36.0% of adults 25+ hold a bachelor's degree or higher.
Public Schools
47
within city limits
Private Schools
23
within city limits
College Degree Rate
36.0%
adults 25+ with bachelor's or higher
Student/Teacher Ratio
14.6:1
National avg 16:1
Schools located within city limits (2023) — school-level metrics change slowly year to year
Colleges & Universities in Chattanooga
The University of Tennessee-Chattanooga
Public · 4-year · 10,074 students · in-state tuition $10,762 · 56% graduate · median earnings $56,442 (10 yrs after entry)
Chattanooga State Community College
Public · 2-year · 5,284 students · in-state tuition $4,916 · 30% graduate · median earnings $43,805 (10 yrs after entry)
Miller-Motte College-Chattanooga
Private for-profit · 2-year · 4,462 students · 56% graduate · median earnings $34,579 (10 yrs after entry)
Nearby Colleges (within 15 miles)
Private nonprofit · 4-year · 2,773 students · in-state tuition $28,900 · 62% graduate · median earnings $58,780 (10 yrs after entry)
Degree-granting colleges with 100+ students, placed by campus location (main campuses only — branch campuses are reported under their parent school)
Parks & Recreationclosest: Chickamauga & Chattanooga National Military Park, 9 mi
Nearby national parks, recreation areas and public libraries for Chattanooga
Chattanooga has 7 nearby national parks or recreation areas, closest being Chickamauga & Chattanooga National Military Park (9 mi away).
Nearby National Parks & Recreation Areas
Chickamauga & Chattanooga National Military Park
National Military Park
9 mi awayRussell Cave National Monument
National Monument
33 mi awayLittle River Canyon National Preserve
National Preserve
50 mi awayObed Wild & Scenic River
Wild & Scenic River
81 mi awayKennesaw Mountain National Battlefield Park
National Battlefield Park
85 mi awayStones River National Battlefield
National Battlefield
87 mi awayChattahoochee River National Recreation Area
National Recreation Area
92 mi awayPublic Libraries in Chattanooga
Chattanooga-Hamilton County Bicentennial Library
1001 Broad Street, Chattanooga
Avondale Library
1305 Dodson Ave., Chattanooga
Eastgate Branch Library
5705 Marlin Road, Chattanooga
Northgate Branch Library
275 Northgate Mall Drive, Chattanooga
South Chattanooga Branch Library
925 West 39th Street, Chattanooga
Cities Near Chattanooga
The closest cities within 60 miles
Planning a move to Chattanooga?
Read our full moving guide — what it's really like to live here.
Chattanooga FAQ
Is Chattanooga, Tennessee affordable?⌄
Chattanooga's median rent is $1,256/month, which is below the national average, making it relatively affordable. The median household income is $64,523/year. Median home value is $283,200.
Is Chattanooga, Tennessee safe?⌄
Chattanooga's violent crime rate was 680 per 100,000 residents in 2025, which is significantly above the national average of 329/100k that year. Property crime rate is 3319 per 100,000. As with any city, crime rates vary by neighborhood.
What is the job market like in Chattanooga, Tennessee?⌄
Chattanooga has an unemployment rate of 3.6%, which is solid, slightly below the national average of 4.3%.
What is the cost of living in Chattanooga, Tennessee?⌄
The cost of living in Chattanooga is primarily driven by housing. Median rent is $1,256/month and median household income is $64,523/year. The median home value is $283,200. About 44% of renters spend more than 30% of their income on housing.
How is the commute in Chattanooga, Tennessee?⌄
The average commute in Chattanooga is 19 minutes, which is shorter than average compared to the national average of 26 minutes.
Data from the US Census Bureau, BLS, FBI, NOAA, EPA, Zillow Research and other public sources. Where our data comes from