HomeTennesseeHamilton CountyChattanooga
Chattanooga, Tennessee: commercial real estate data.
Chattanooga 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
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 loans in Chattanooga (7(a))
- 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
Counted by borrower city: approvals to borrowers whose address is in Chattanooga, in any county, FY2020 to FY2026.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Chattanooga
SBA loans in Chattanooga (504)
- 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
Counted by borrower city: approvals to borrowers whose address is in Chattanooga, in any county, FY2010 to FY2026.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Chattanooga
Flood risk in Chattanooga
- NFIP communityCity of Chattanooga
- NFIP community number470072
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date(NSFHA)
The City of Chattanooga participates in the National Flood Insurance Program as community 470072 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Hamilton County, not Chattanooga
Hamilton County context, not Chattanooga figures
- Establishments in Hamilton County9,883
- Covered employment, Hamilton County221,207
- Average annual pay, Hamilton County$66,004
- Housing units permitted, Hamilton County2,130
Every figure in this section is published for Hamilton County as a whole and is not a measurement of Chattanooga.
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
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 totaling $154.9 m since FY2020, across 63 lenders, median approval $300,000, plus 65 504 approvals worth $62.1 m since FY2010. 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.
Is Chattanooga in the National Flood Insurance Program?
Yes. Chattanooga appears in the FEMA Community Status Book as Chattanooga, city of, community 470072, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Chattanooga figures?
No, and they are labeled 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?
No. Nothing on this page presents parcel level zoning.