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Home appreciation in Chattanooga, TN

Over the five years ending 2025, home prices in Chattanooga, TN grew an average of 11.0% a year.

Price growth at a glance

1-year

+3.2%

2025 over 2024. Tennessee: +3.6%.

5-year, per year

+11.0%

Average annual growth, 2020 to 2025. Tennessee: +10.6%.

10-year, per year

+8.4%

+123.2% in total since 2015. Tennessee: +8.4%.

How does your home compare?

Chattanooga, TN home prices rose 123.2% over the ten years to 2025, while its ZIP codes ranged from +86.4% to +187.4%. Look up your home to see where it ranks among the homes around it.

Your first analysis is free.

A model-generated estimate and analytical context, not investment advice. Investing? Score any property free

How Chattanooga, TN compares with Tennessee

Tennessee averaged +10.6% a year, so Chattanooga, TN grew faster than the state overall. For five-year price growth, Chattanooga, TN ranks 42nd out of 409 metros nationwide and 6th out of 10 in Tennessee.

Index, 2005 = 100

Chattanooga, TN-GA and Tennessee, quarterly house price index rebased to 100 in 2005.
YearChattanooga, TN-GATennessee
2005 Q1100100
2005 Q2103102
2005 Q3104104
2005 Q4106106
2006 Q1107108
2006 Q2109110
2006 Q3109111
2006 Q4110113
2007 Q1111114
2007 Q2113116
2007 Q3113116
2007 Q4112117
2008 Q1113117
2008 Q2112117
2008 Q3111115
2008 Q4110115
2009 Q1113116
2009 Q2111115
2009 Q3109112
2009 Q4109111
2010 Q1109110
2010 Q2107110
2010 Q3110111
2010 Q4109111
2011 Q1107108
2011 Q2105107
2011 Q3106108
2011 Q4107108
2012 Q1105107
2012 Q2107107
2012 Q3107108
2012 Q4107108
2013 Q1107108
2013 Q2109109
2013 Q3107109
2013 Q4109110
2014 Q1109111
2014 Q2110113
2014 Q3110114
2014 Q4111115
2015 Q1111116
2015 Q2113118
2015 Q3115120
2015 Q4115121
2016 Q1116122
2016 Q2117125
2016 Q3119127
2016 Q4119129
2017 Q1121130
2017 Q2124133
2017 Q3127136
2017 Q4128138
2018 Q1129140
2018 Q2133143
2018 Q3134145
2018 Q4136147
2019 Q1137148
2019 Q2140151
2019 Q3142153
2019 Q4144155
2020 Q1146158
2020 Q2148159
2020 Q3152163
2020 Q4155167
2021 Q1160172
2021 Q2170182
2021 Q3181194
2021 Q4189204
2022 Q1199215
2022 Q2211231
2022 Q3218238
2022 Q4216236
2023 Q1224239
2023 Q2228244
2023 Q3233247
2023 Q4236248
2024 Q1239253
2024 Q2247257
2024 Q3247259
2024 Q4247262
2025 Q1249263
2025 Q2253266
2025 Q3254269
2025 Q4257270
2026 Q1258272
2026 Q2258273

Chart through 2026 Q2. Annual growth figures through 2025.

Growth was stronger over the last five years than over the full decade: +8.4% a year over ten years, +123.2% in total.

Over this history, home prices peaked in 2007, fell 5.6% to its 2011 low, and regained the 2007 level in 2015.

The strongest year was 2022 at +20.4%, and the weakest was 2011 at -2.6%.

In 2025 alone the index moved +3.2%, against +3.6% for the state.

ZIP codes in Chattanooga, TN

Over the ten years to 2025, the 33 ZIP codes FHFA measures in this metro ranged from +86.4% in 30739 to +187.4% in 37404, while the metro as a whole rose 123.2%.

Fastest-rising ZIP codes

10-year change

  1. 37404+187.4%
  2. 37409+170.6%
  3. 37406+157.8%
  4. 37347+141.1%
  5. 30741+138.4%

Slowest-rising ZIP codes

10-year change

  1. 30739+86.4%
  2. 30752+89.7%
  3. 37380+89.9%
  4. 37327+95.1%
  5. 30738+98.7%
ZIP codes in Chattanooga, TN-GA ranked by 10-year home-price change through 2025 Column headers are buttons: click to sort, click again to reverse, and a third time to restore the original order.
37404+1.6%+11.5%+11.1%+187.4%
37409-1.7%+11.9%+10.5%+170.6%
37406+1.3%+12.2%+9.9%+157.8%
37347+14.3%+14.6%+9.2%+141.1%
30741+2.8%+12.1%+9.1%+138.4%
37416+1.6%+10.7%+9.0%+137.0%
37341+8.3%+11.9%+9.0%+136.6%
37415+2.0%+10.5%+9.0%+136.4%
37412+0.7%+10.6%+9.0%+135.7%
30742+1.1%+11.3%+8.8%+133.1%
37411+0.5%+10.1%+8.6%+129.2%
37419+0.8%+11.0%+8.1%+118.4%
30750-7.3%+12.2%+8.1%+117.4%
30728+5.0%+11.3%+8.0%+116.7%
37408-1.1%+9.0%+8.0%+115.3%
37397-4.5%+11.7%+8.0%+115.2%
37350+1.3%+11.4%+8.0%+115.0%
37343+0.1%+10.3%+7.9%+114.5%
37421+2.0%+10.1%+7.9%+114.1%
30707+5.7%+11.0%+7.8%+112.6%
37363+4.1%+10.0%+7.6%+108.3%
30725+6.5%+9.7%+7.6%+107.8%
37302+13.1%+10.9%+7.5%+106.8%
37379+3.3%+10.2%+7.5%+106.2%
37308+10.4%+10.9%+7.5%+106.0%
37377+4.3%+10.8%+7.4%+103.7%
37405+0.2%+8.6%+7.2%+99.8%
30736+2.0%+9.6%+7.1%+99.0%
30738+0.4%+11.3%+7.1%+98.7%
37327+2.8%+10.6%+6.9%+95.1%
37380-5.1%+8.8%+6.6%+89.9%
30752+1.5%+8.9%+6.6%+89.7%
30739-0.5%+9.3%+6.4%+86.4%

What a home report shows

Enter an address and you get a score out of 10 for how the home ranks on appreciation potential against comparable homes in its market, with the nearby sales behind it. Here is one saved report.

Example report · saved October 14, 2026

165 N Canal St, Apt 1205, Chicago, IL 60606

Appreciation score

4.1 / 10

Around the median

Where it ranks

Ranks above about 41% of comparable homes in Chicago, IL for appreciation potential.

Price against nearby sales

Priced below most nearby sales, at $300 per square foot across 6 comparable sales.

Read the full example report

Year by year

Annual house price index for Chattanooga, TN-GA and Tennessee, 2005 = 100 Column headers are buttons: click to sort, click again to reverse, and a third time to restore the original order.
2005100.0—100.0
2006105.4+5.4%107.1
2007109.0+3.4%112.1
2008108.2-0.7%112.5
2009107.1-1.0%110.4
2010105.6-1.4%107.3
2011102.8-2.6%104.4
2012103.4+0.5%104.3
2013104.7+1.3%105.9
2014106.7+1.9%109.7
2015110.0+3.1%115.1
2016114.2+3.8%122.0
2017121.1+6.1%130.4
2018128.8+6.3%139.4
2019136.4+5.9%147.5
2020145.5+6.7%156.8
2021169.7+16.6%182.5
2022204.4+20.4%223.1
2023223.1+9.2%237.3
2024237.9+6.6%250.0
2025245.5+3.2%259.0

The 10 measured metros in Tennessee

Measured metros in Tennessee ranked by 5-year home-price appreciation through 2025 Column headers are buttons: click to sort, click again to reverse, and a third time to restore the original order.
#
1Knoxville, TN+3.8%+12.7%+9.1%
2Morristown, TN+3.8%+12.2%+8.8%
3Johnson City, TN+4.3%+12.0%+8.0%
4Kingsport-Bristol, TN-VA+5.3%+11.7%+7.5%
5Jackson, TN+2.1%+11.4%+7.8%
6Chattanooga, TN-GA+3.2%+11.0%+8.4%
7Cleveland, TN+2.4%+11.0%+8.0%
8Clarksville, TN-KY+3.4%+10.3%+7.6%
9Nashville-Davidson--Murfreesboro--Franklin, TN+2.9%+10.0%+8.9%
10Memphis, TN-MS-AR+1.7%+7.6%+6.6%

Source & method: Metro figures: FHFA quarterly all-transactions index for metropolitan statistical areas and metropolitan divisions, annualized as the mean of the four quarterly (NSA) values. State figures: FHFA quarterly all-transactions index, annualized as the mean of the four quarterly (NSA) values. The chart uses quarterly readings, with each series set to 100 in the first quarter of 2005. ZIP figures: FHFA annual five-digit ZIP index (developmental), ZIPs with sufficient transaction history. Missing years are reported as missing by FHFA and are not estimated. Each ZIP is placed in the metro that holds the county with most of its housing units. The metro spans TN, GA; the comparison uses Tennessee, the state of its principal city. “5-yr /yr” and “10-yr /yr” are compound annual growth over the window ending 2025; all figures are nominal. Data published by the FHFA House Price Index; this edition compiled 2026-10-17. Educational data, not investment advice.

See the Tennessee row in the state rankings, the county rankings, and, for why one metro number hides so much, why two homes in the same ZIP code appreciate differently.

How does your home compare?

See how your home ranks against nearby homes. Your first analysis is free.

Look up your home

Investing? Score any property free

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Measured FHFA data · chart through 2026 Q2