HomeTennesseeHamilton CountyChattanooga city
Chattanooga city, Tennessee: commercial real estate data.
Chattanooga city is a Census city of 185,783 people across 142.35 square miles of land, in Hamilton County. Median household income is $64,523, 52.4 percent of occupied homes are owned, and the SBA record carries 201 7(a) approvals to borrowers here worth $154.9 m.
78 sourced place values · tier FULL · 8 sections
Chattanooga
What Chattanooga is
- Census place typecity
- Land area142.35 sq mi
- Water area7.73 sq mi
- Population per square mile of land1,305
- County holding the largest share of its areaHamilton County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Chattanooga
How many people live in Chattanooga
- Population185,783
- Median age36.3
- Population under 1839,068
- Share under 1821.0 percent
- Population 65 and over32,190
- Share 65 and over17.3 percent
- Households79,084
- Family households42,722
- Share of households that are families54.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Chattanooga
Income and work in Chattanooga
- Median household income$64,523
- Per capita income$41,600
- Civilian labor force97,199
- Employed91,906
- Unemployed5,293
- Unemployment rate5.4 percent
- Adults 25 and over127,528
- Adults 25 and over with a high school diploma or higher90.0 percent
- Adults 25 and over with a bachelor degree or higher36.0 percent
- Adults 25 and over with a graduate degree13.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Chattanooga
Housing in Chattanooga
- Housing units87,970
- Occupied units79,084
- Vacant units8,886
- Vacancy rate10.1 percent
- Owner occupied41,437
- Renter occupied37,647
- Ownership rate52.4 percent
- Median owner-occupied home value$283,200
- Median gross rent, monthly$1,256
- Annual rent as a share of median income23.4 percent
- Single family units55,320
- Share single family62.9 percent
- Units in buildings of two or more31,297
- Share in buildings of two or more35.6 percent
- Mobile homes1,307 plus or minus 298
- Median year structure built1976
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Chattanooga
How Chattanooga gets to work
- Workers 16 and over who commute77,701
- Commuting under 15 minutes27,332
- Share commuting under 15 minutes35.2 percent
- Commuting 30 minutes or more12,962
- Share commuting 30 minutes or more16.7 percent
- Drove alone73.6 percent
- Carpooled8.8 percent
- Public transport0.9 percent plus or minus 0.3
- Walked1.9 percent
- Worked from home13.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Chattanooga
SBA 7(a) lending to Chattanooga borrowers
- Approvals201
- Gross approval$154,939,700
- Average approval$770,844
- Median approval$300,000
- Ninetieth percentile approval$2,670,000
- Largest approval$5,000,000
- Jobs supported2,157
- Jobs per approval10.7
- Loans with a final outcome35
- Paid in full31
- Charged off4
- Charge-off rate over resolved loans11.4 percent
- Median term120 months
- Share on real estate terms of 20 years or more16.4 percent
- Share to franchises31.3 percent
- Distinct lenders63
- Distinct industries by NAICS96
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Chattanooga
SBA 504 lending to Chattanooga borrowers
- Approvals65
- Gross approval$62,064,000
- Average approval$954,831
- Median approval$495,000
- Largest approval$4,663,000
- Jobs supported821
- Loans with a final outcome35
- Charged off1
- Charge-off rate over resolved loans2.9 percent
- Median term240 months
- Distinct CDCs4
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Hamilton County, not Chattanooga
Hamilton County context, not Chattanooga figures
These are Hamilton County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Chattanooga measurements.
- Establishments in Hamilton County9,883
- Employment at those establishments, Hamilton County205,761
- Covered employment, Hamilton County221,207
- Average annual pay, Hamilton County$66,004
- Average weekly wage, Hamilton County$1,269
- Housing units permitted, Hamilton County2,130
- Of those, single family, Hamilton County1,537
- County product, 2024, Hamilton County$37,279,203,000
- County product change over the prior year, Hamilton County3.3 percent
- Average income of an arriving household, Hamilton County$92,528
Every figure in this section is published for Hamilton County as a whole and is not a measurement of Chattanooga. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Chattanooga questions, answered from the record.
How many people live in Chattanooga, Tennessee?
185,783, in 79,084 households. Chattanooga city covers 142.35 square miles of land, which is 1,305 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Chattanooga in?
Hamilton County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Chattanooga?
$64,523. The median owner-occupied home is valued at $283,200. Median gross rent is $1,256 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Chattanooga businesses?
201 7(a) approvals totalling $154.9 m, across 63 lenders, median approval $300,000, plus 65 504 approvals worth $62.1 m. These count approvals to borrowers whose address is in Chattanooga, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Chattanooga borrowers get paid back?
Of the 35 loans that have reached a final outcome, 31 were paid in full and 4 charged off, a charge off rate of 11.4 percent. Loans still running are excluded because they have not yet succeeded or failed.
Are the county figures on this page Chattanooga figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Hamilton County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Chattanooga.
Is zoning published for Chattanooga?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.