Chattanooga housing market: home prices, trends and forecast
In September 2026, the Zillow Home Value Index valued a typical home in Chattanooga, Tennessee at $314,999. Chattanooga home prices were 1.3% lower than a year earlier and 2.4% below the February 2025 peak of $322,588.
- Value of a typical home
- $314,999September 2026, Zillow ZHVI
- Change over 12 months
- Since September 2025, the change was a decrease of 1.3%.
Chattanooga home prices since 2000
Chattanooga appears on the steel line, while the United States appears on the grey line. From January 2000, the typical Chattanooga home rose from $118,104 to $314,999, or ×2.67, while the US reached ×2.99 over the same period. At $166,124, the boom high was reached in October 2007; the low was $140,522 in July 2012, a decline of 15.4%.
Chattanooga median home price by year
The yearly figure averages twelve monthly values; the latest month is shown for 2026.
| Year | Chattanooga | Change on the year | United States |
|---|---|---|---|
| 2000 | $119,553 | $125,745 | |
| 2001 | $124,260 | +3.9% | $134,899 |
| 2002 | $129,593 | +4.3% | $144,276 |
| 2003 | $133,898 | +3.3% | $155,308 |
| 2004 | $140,134 | +4.7% | $169,891 |
| 2005 | $149,681 | +6.8% | $189,732 |
| 2006 | $159,778 | +6.7% | $206,531 |
| 2007 | $164,705 | +3.1% | $208,449 |
| 2008 | $162,966 | −1.1% | $195,574 |
| 2009 | $155,723 | −4.4% | $177,542 |
| 2010 | $152,812 | −1.9% | $171,462 |
| 2011 | $148,631 | −2.7% | $162,508 |
| 2012 | $141,535 | −4.8% | $161,137 |
| 2013 | $144,388 | +2.0% | $171,420 |
| 2014 | $149,810 | +3.8% | $182,996 |
| 2015 | $153,330 | +2.3% | $192,738 |
| 2016 | $164,247 | +7.1% | $204,509 |
| 2017 | $177,754 | +8.2% | $216,767 |
| 2018 | $188,395 | +6.0% | $230,541 |
| 2019 | $201,099 | +6.7% | $242,088 |
| 2020 | $216,247 | +7.5% | $257,151 |
| 2021 | $251,375 | +16.2% | $295,959 |
| 2022 | $292,736 | +16.5% | $340,014 |
| 2023 | $305,318 | +4.3% | $348,160 |
| 2024 | $319,128 | +4.5% | $359,751 |
| 2025 | $320,486 | +0.4% | $362,959 |
| September 2026 | $314,999 | −1.3% | $366,157 |
Current value of a Chattanooga home bought in any year
An index-based estimate, not an appraisal, for a typical home.
The current value is September 2026, while each year's figure averages its twelve monthly index values. Additional tools: home appreciation calculator.
Considering a sale? Use Realtor.com agent comparison to compare local agents. Advertising disclosure: links like this one may earn the site payment, but no number changes. Disclosure.
Chattanooga housing market forecast
For the Chattanooga, TN metro, Zillow's forecast is +1.2% across the 12 months beginning September 2026, with +0.5% expected over the next three months. Chattanooga's typical value is $314,999; the forecast would place it close to $318,800 one year later.
This page restates Zillow's central metro estimate, and the site does not publish forecasts of its own. Realised changes have typically differed from forecasts like this 12-month estimate by several percentage points, both upward and downward. Investment advice is not provided.
All metro forecasts appear in one table: housing market forecast.
Chattanooga housing market crash risk score
High: 66 of 100
This score ranks Chattanooga among 292 cities using five conditions that were high before earlier price falls. Each input receives a score between 0 and 100 after comparison with the other cities. The five scores are then averaged with equal weight. Current conditions are described, but a crash is not predicted.
| Input | Value | Sub-score | Weight |
|---|---|---|---|
| Active listings vs 2019 | +42.0% | 85 | 20% |
| Time listed on the market vs 2019 | +11.7% | 66 | 20% |
| Price-to-rent ratio | 17.5 | 47 | 20% |
| Price-to-income ratio | 4.8 | 49 | 20% |
| 12-month price change | −1.3% | 82 | 20% |
Investment advice is not provided. Scoring the inputs: methodology details. The rankings cover all 292 cities: city crash risk rankings.
Chattanooga homes for sale and time on market
In September 2026 the Chattanooga, TN metro listed 3,072 homes for sale, +18.9% from a year earlier and +42.0% compared with the same month of 2019. Listings had a median sale time of 67 days (+11.7% against 2019); 25.9% received a price cut.
| Chattanooga, TN metro, September 2026 | Value | On a year |
|---|---|---|
| Active listings | 3,072 | +18.9% |
| New listings | 936 | |
| Median days on market | 67 | +14.2% |
| Median list price | $395,000 | −1.2% |
| Share with a price cut | 25.9% |
Metro inventory source: Realtor.com® Economic Research. Realtor.com data. All metro areas: days on market by city.
Living costs in Chattanooga
The Zillow Observed Rent Index puts the typical asking rent in Chattanooga at $1,498 a month, up 2.3% on a year. A typical home is worth 17.5 years of that rent. At $66,060 (Census ACS 2024), median household income means the typical home equals 4.8 times one year's earnings. BEA gives the metro a price index of 91.5 compared with a US average of 100, and a housing cost index of 76.5.
See rent, prices, and the salary required to move there: Chattanooga cost of living.
Other housing markets in Tennessee
- In Nashville, the figure is $425,889.
- In Memphis, the figure is $151,794.
- In Knoxville, the figure is $368,965.
- In Clarksville, the figure is $317,914.
- In Murfreesboro, the figure is $424,348.
- In Franklin, the figure is $913,277.
- Cleveland, Tennessee $308,369
See the state as a whole: Tennessee housing market.
How to read this chart
Each point shows the Zillow Home Value Index for Chattanooga, which tracks the smoothed and seasonally adjusted value of a typical home in the market's middle third, expressed in dollars for that month. An open dot shows the month selected on the slider, while the terracotta dot shows the latest month. These figures do not account for inflation, and the index tracks a typical home rather than any one house. To find the value of a single home, use its sale price with the card above or the home appreciation calculator.