Chattanooga, TN-GA

Metro Area Profile

575,812 residents. Jobs, income, development, climate and physical risk across the Chattanooga, TN-GA metropolitan area.

68out of 100
Area Score
Top 33% of 379 published profiles

How we calculate this

How this area ranks
OpportunityTop 23% of 379 published metros70
GrowthTop 15% of 821 published metros72
Housing affordability553rd of 822 published metros88
ClimateTop 29% of 822 published metros73
Physical resilience446th of 822 published metros52
Access721st of 822 published metros49
Economic stabilityTop 38% of 822 published metros61
The quick read

Chattanooga ranks in the top 23% of published metro profiles for employment opportunity, with unemployment at 3.6% and median household income of $72,161.

3,172 housing units were authorized over the past twelve months, within 4% of the prior year — steady rather than turning.

Rent takes 19% of median household income here, below the 30% threshold conventionally called cost-burdened, and the median home is 3.8 times that income.

At a glance

Population
575,812
2024 ACS 5-Year
Median household income
$72,161
Top 35% nationally
Density
275/sq mi
2092.7 sq mi of land
Median age
40.4
2024 ACS 5-Year
County
Metro area
Chattanooga, TN-GA
Nearest major airport
HSV
85 mi · Huntsville Intl-Carl T Jones Fld
Median home value
$272,400
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 3.6% is lower than 80% of the 379 measured US metros.

Employment fell 0.6% over the past year, to 285,621 employed residents.

32% of adults hold a four-year degree, higher than 73% of measured US metros.

MetricValueCompared with peersSource period
Median household income ±$1,254$72,161Top 35%2024 ACS 5-Year
Per capita income ±$675$41,227Top 23%2024 ACS 5-Year
Poverty rate13.0%Bottom 44%2024 ACS 5-Year
Average commute25.5 minTop 33%2024 ACS 5-Year
Bachelor's degree or higher31.9%Top 27%2024 ACS 5-Year
Employment285,621Top 25%June 2026
Employment change (3 years)2.2%Top 24%June 2026
Employment change (year over year)-0.6%Top 46%June 2026
Labor force296,166Top 25%June 2026
Labor force participation62.0%Top 37%2024 ACS 5-Year
Mean annual wage$58,680Bottom 36%2025 OEWS
Median annual wage$46,700Bottom 39%2025 OEWS
Metro employment268,750Top 25%2025 OEWS
Unemployment change (year over year)-0.1%Bottom 39%June 2026
Unemployment rate3.6%Bottom 20%June 2026
Unemployment rate
2021/062022/032022/122023/092024/062025/032025/102026/065.22.7
Monthly unemployment rate from the Bureau of Labor Statistics, most recent value 3.6% in June 2026. A break in the line is a month the Bureau of Labor Statistics did not publish for this area — it is left empty rather than estimated.
Largest occupations — Chattanooga, TN-GA
OccupationPeople employedMedian annual wage
Miscellaneous Assemblers and Fabricators8,120$45,330
Fast Food and Counter Workers7,770$27,140
Laborers and Freight, Stock, and Material Movers, Hand7,730$37,830
Retail Salespersons7,020$31,460
Registered Nurses6,460$79,770
Cashiers5,530$28,440

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

Housing & affordability

How it’s calculated →

Median rent of $1,163 takes 19% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 3.8 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
19.3%
Below the 30% cost-burdened threshold
Home price to income
3.8×
median home value ÷ median income
Median gross rent
$1,163
2024 ACS 5-Year
Median home value
$272,400
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income3.77Top 31%2024 ACS 5-Year
Homeownership rate68.2%Bottom 40%2024 ACS 5-Year
Housing units ±255254,730Top 10%2024 ACS 5-Year
Median gross rent ±$19$1,163Top 25%2024 ACS 5-Year
Median home value ±$4,303$272,400Top 31%2024 ACS 5-Year
Rent as a share of income19.3%Top 37%2024 ACS 5-Year
Vacancy rate9.2%Bottom 33%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
72/ 100
Top 15% of 821 published city profiles
Permitting is decreasing, measured from 2024 to 2025.

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

Population has grown 4% since 2020, reaching 588,050 in 2024.

Population is still rising, but more slowly than in the preceding year.

New construction is predominantly single-family: only 14% of permitted units are in buildings of five or more homes.

At 5.5 permitted units per 1,000 residents, building activity is above the median for measured US metros.

Units permitted
3,172
12 months ending July 2026
Per 1,000 residents
5.5
Top 23% nationally
Year over year
+4%
vs the prior twelve months
Multifamily share
14.2%
units in 5+ unit buildings
Population, annual estimates
20202021202220232024588k565k
Census Population Estimates Program, July 1 of each year. These annual estimates are designed for year-over-year comparison, unlike the ACS five-year figure shown as this profile's population.

Weather & climate

6 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 91°F and January a low of 32°F.

Normal annual precipitation is 55.0 inches, including 3.6 inches of snow.

20°40°60°80°100°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station CHATTANOOGA LOVELL AP, 9.1 miles from this location.
Precipitation
JFMAMJJASOND5.3"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation55.0"1991-2020 Normals
Annual snowfall3.6"1991-2020 Normals
Average January low32°F1991-2020 Normals
Average July high91°F1991-2020 Normals
Comfortable months61991-2020 Normals
Seasonal temperature swing39°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

52 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are inland flooding, tornado and earthquake.

TornadoModerate
LandslideModerate
EarthquakeElevated
Winter weatherModerate
Inland floodingModerate
LightningModerate

Low or minimal exposure: strong wind, cold wave, ice storm, hail, heat wave, wildfire, hurricane, drought.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. This value is the population-weighted mean of all component counties; expected annual loss is their sum. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
The FBI’s Crime Data Explorer is the only source for reported offences with national coverage and a published method, and it requires an API key AreaProfile does not hold. Arrest counts, news volume and commercial “safety scores” are not substituted in the meantime. What is published above under Safety is a different measurement — deaths rather than offences, from death certificates rather than police returns — and it covers no property crime at all.
Taxes
No tax dataset has met the source admission test for coverage, transparent methodology and update cadence. Nothing here is individualized tax advice.
Full cost of living
No public source publishes one with national coverage and a documented method. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings.

Access

3 major airports lie within 100 miles, the nearest 85 miles away.

AirportCodeDistanceLongest runway
Huntsville Intl-Carl T Jones FldHSV85 mi10,001 ft
SmyrnaMQY93 mi8,038 ft
Mc Ghee TysonTYS93 mi10,000 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.