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

Chattanooga$64,523
Tennessee avg$69,595
US$80,734

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

White55.5%
Black27.6%
Hispanic or Latino10.0%
Two or more races4.3%
Asian2.3%

Hispanic or Latino of any race; other groups are non-Hispanic

Top countries of origin (foreign-born)

Guatemala26.1%
Mexico18.8%
India7.7%
Haiti4.9%
Venezuela3.8%
Vietnam3.0%
Africa, n.e.c.2.9%
Germany2.4%
Brazil2.4%
China2.1%

Languages Spoken at Home

English only88.0%
Spanish7.8%
Other Indo-European0.9%
French/Haitian0.7%
Other Asian/Pacific0.6%
Arabic0.5%
German/Germanic0.3%
Vietnamese0.3%

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)

Chattanooga$1,256
Tennessee avg$1,189
US$1,413

Median home value

Chattanooga$283,200
Tennessee avg$286,700
US$332,700

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

$264,096
$322,588
$314,999
202120222023202420252026

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

Chattanooga3.6%
Tennessee avg3.5%
US4.3%

City-level rate · BLS annual average

Unemployment Rate — 10 Year Trend

4.7%
3.7%
3.5%
3.3%
8.1%
4.9%
3.6%
3.3%
3.3%
3.6%
2016201720182019202020212022202320242025

City-level (BLS) · Annual averages

What Chattanooga Residents Do for Work · share of employed residents by industry

Education & health care20.5%
Manufacturing13.0%
Professional & business services11.3%
Arts, hospitality & food service11.2%
Retail10.9%
Finance & real estate8.3%
Transportation & utilities7.3%
Construction6.5%

City residents, wherever they work

Median Salary by Occupation · metro area

Management$101,400
Healthcare$65,810
Business & Finance$64,270
Education$54,590
Repair & Maintenance$48,440
Production$41,910
Office & Admin$39,660
Transportation$36,490

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

Drive alone73.6%
Carpool8.8%
Public transit0.9%
Walk1.9%
Work from home13.6%
Other1.3%

Commute Time Distribution

Under 15 min35.2%
15–29 min48.1%
30–44 min12.3%
45–59 min2.1%
60+ min2.3%

Nearest airports · with airline service

  • Chattanooga Metropolitan Airport (Lovell Field) (CHA)

    Small hub632k passengers boarded in 2025

    6 mi
  • Nashville International Airport (BNA)

    Major hub12.5M passengers boarded in 2025

    107 mi

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).

Ice storm · HighLightning · HighInland flooding · HighStrong wind · HighTornado · High

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:

Thunderstorm WindFlash FloodHailFloodHeavy Snow

Storm events by year

YearEventsTop TypeProperty Damage
202523Thunderstorm Wind$2.5M
202411Thunderstorm WindNone reported
202319Thunderstorm WindNone reported
202212Thunderstorm WindNone reported
202110Flash Flood$2,000
202012Thunderstorm Wind$2.5M
20196Thunderstorm Wind$3.0M
201813Thunderstorm 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

High °FLow °FPrecip (in)
20°40°60°80°100°5.5"Jan: 5.02" precipitationFeb: 5.03" precipitationMar: 5.34" precipitationApr: 4.87" precipitationMay: 3.94" precipitationJun: 4.18" precipitationJul: 5.08" precipitationAug: 3.67" precipitationSep: 4.23" precipitationOct: 3.59" precipitationNov: 4.80" precipitationDec: 5.25" precipitation32°JJan: high 51°F, low 32°FFFeb: high 56°F, low 36°FMMar: high 64°F, low 42°FAApr: high 74°F, low 50°FMMay: high 81°F, low 59°FJJun: high 88°F, low 67°F91°JJul: high 91°F, low 71°FAAug: high 90°F, low 70°FSSep: high 84°F, low 64°FOOct: high 74°F, low 51°FNNov: high 62°F, low 40°FDDec: high 53°F, low 35°F
Show month-by-month table ↓
MonthHighLowPrecip
Jan51°F32°F5.02"
Feb56°F36°F5.03"
Mar64°F42°F5.34"
Apr74°F50°F4.87"
May81°F59°F3.94"
Jun88°F67°F4.18"
Jul91°F71°F5.08"
Aug90°F70°F3.67"
Sep84°F64°F4.23"
Oct74°F51°F3.59"
Nov62°F40°F4.80"
Dec53°F35°F5.25"

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

Not rated

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

Obesity36.3%US 36.8%
Diabetes13.9%US 12.6%
High blood pressure39.0%US 37.1%
Current smoking16.7%US 15.0%
No leisure-time physical activity24.9%US 26.6%
Depression26.7%US 23.0%
Asthma11.6%US 10.7%
Routine checkup in past year77.7%US 78.2%

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)

Southern Adventist University

11.2 mi away

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 away

Russell Cave National Monument

National Monument

33 mi away

Little River Canyon National Preserve

National Preserve

50 mi away

Obed Wild & Scenic River

Wild & Scenic River

81 mi away

Kennesaw Mountain National Battlefield Park

National Battlefield Park

85 mi away

Stones River National Battlefield

National Battlefield

87 mi away

Chattahoochee River National Recreation Area

National Recreation Area

92 mi away

Public Libraries in Chattanooga

Chattanooga-Hamilton County Bicentennial Library

1001 Broad Street, Chattanooga

Central library~61 hrs/week

Avondale Library

1305 Dodson Ave., Chattanooga

Branch~43 hrs/week

Eastgate Branch Library

5705 Marlin Road, Chattanooga

Branch~61 hrs/week

Northgate Branch Library

275 Northgate Mall Drive, Chattanooga

Branch~61 hrs/week

South Chattanooga Branch Library

925 West 39th Street, Chattanooga

Branch~54 hrs/week

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.

Moving to Chattanooga →

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