37404 — Chattanooga, Tennessee

Unemployment of 4.0% is lower than 68% of the 6,544 measured US ZIP areas.

Employment fell 1.4% over the past year, to 95,653 employed residents.

33% of adults hold a four-year degree, higher than 71% of measured US ZIP areas.

Median household income of $56,637 is below 76% of measured US ZIP areas.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for Chattanooga, TN, the city containing this ZIP code.

Median rent of $1,094 takes 23% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 4.5 times median household income here, above the historic benchmark of about three times income.

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.

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.

Air quality measures a median index of 48, in the Good band, and about 3 days a year pass 100, the threshold at which the air is unhealthy for sensitive groups.

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. Air quality is measured rather than modelled, by EPA monitors, and published by county only where a monitor sits — roughly half the counties AreaProfile publishes have one, and the rest show nothing rather than an estimate. Air masses are regional, so a county reading describes the air over a place reasonably well, but it is still the county reading.

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.

Put 37404 side by side with a similar place.

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.

How this ZIP area compares with Chattanooga as a whole. Both figures come from the same ACS release, so the comparison is like for like.

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.