States · Tennessee · Hamilton County

Collegedale, Tennessee.

Typical home $414,306 (-0.4% in a year), asking rent $2,156 . Chattanooga, TN-GA metro.

What it costs per month · Collegedale $2,175/mo

to buy the typical home at today's mortgage rate — +$1,187 (+120%) since Jan 2020.

What the home itself did
1 year
Down $1,624 -0%
$415,930$414,306 since Sep 2025
5 years
Up $83,114 +25%
$331,192$414,306 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 Collegedale $2,175 Tennessee $1,737 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • Collegedale$2,175
  • Tennessee$1,737
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 15 years.

Typical home values in Collegedale, TN fell 0.4% over the past year — slower than the nation's +1.2%.

Living in Collegedale, Hamilton County, Tennessee

Collegedale is a city of 11,109 people in Hamilton County. Half its households earn more than $70,246 a year and half less, against $76,183 across Hamilton County; 7% of its people live below the poverty line. 44% of its homes are lived in by their owners and 56% are rented. Unemployment in Hamilton County was 3.5% in August 2026, and the county had 0.7% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.

People 11,109 in the 2020 census
Household income $70,246 the median, give or take $14,040 · Hamilton County: $76,183
Unemployment 3.5% Hamilton County, August 2026; 3.4% a year before
Homes 44% lived in by their owners; 56% rented

Written by AI Claude Sonnet 5.5 wrote this on 24 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.

What it’s like

The place. Collegedale is a small city in Hamilton County, Tennessee, where fewer homes are lived in by their owners than across much of the country, and rents and home values run high. Household incomes are somewhat below the county's, and a good share of adults hold a four-year degree, a mix that fits a town built around a university. Winters are cool, with January days staying chilly and nights dipping to freezing, snow falls only lightly, and summers are hot. Rain is plentiful through the year.

Work. Many residents work in schools, hospitals and social care, and others in manufacturing, restaurants and hotels, or professional and business services. The largest workplaces in town include Southern Adventist University and Walmart, along with a construction machinery maker, CPE Acquisition Co. The typical commute is a modest one, and a fair number of people work from home. Across Hamilton County, unemployment is low and has changed little over the past year, though there were slightly fewer jobs last year than the year before.

Things to do. A short drive away, Red Clay State Park is a protected area, and the Tennessee Valley Railroad Museum is a railway museum. A longer drive brings you to the Tennessee Aquarium, one of the best known attractions in the region, and to Ruby Falls, a waterfall. Chickamauga Lake, a reservoir, is also a longer drive away.

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  • 4,304households
  • 51%of adults have a degree
  • 7%below the poverty line
  • 22 mintypical commute
  • 19%work from home

What residents work in

  • Schools, hospitals and social care33%
  • Manufacturing11%
  • Restaurants, hotels and entertainment11%
  • Professional and business services9%
  • Shops (retail)8%
  • Banks, insurance and property8%

Employed residents by industry, from the Census survey. Hamilton County had 219,580 jobs in 2025, 0.7% fewer than the year before (Bureau of Labor Statistics).

Weather through the year

Average daily high and low for each month: coldest in January, 51° and 32°; warmest in July, 90° and 71° 40° 60° 80° 100° J 51° 32° F M A M J J 90° 71° A S O N D
Average daily high and low for each month: coldest in January, 51° and 32°; warmest in July, 90° and 71° 40° 60° 80° 100° J 51° 32° F M A M J J 90° 71° A S O N D

Coldest in January, with highs near 51° and lows near 32°; warmest in July, with highs near 90° and lows near 71°. About 4 inches of snow and 55 inches of rain and melted snow a year.

Average daily high and low, 1991–2020, at the Chattanooga Lovell Airport weather station, 9 miles away (NOAA).

Largest workplaces in Collegedale

  1. Southern Adventist UniversityUniversity or college508
  2. WalmartWarehouse clubs and supercenters429
  3. CPE Acquisition CoConstruction machinery manufacturing130
  4. Linen King - OoltewahIndustrial launderers79
  5. Gardenplaza@greenbriarcoveAssisted-living facilities without on-site nursing care facilities74
  6. OoltewahMail and parcel delivery68
  7. MBC CompaniesNationality specialty foods, frozen, manufacturing48

Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 6 workplaces with 20 or more staff, 828 people in all. Colleges come from IPEDS (NCES, 2023–24). Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.

Natural hazards

  1. TornadoesRelatively high
  2. LandslidesRelatively moderate
  3. Strong windrelatively high in parts of CollegedaleRelatively moderate
  4. EarthquakesRelatively moderate
  5. Lightningrelatively high in parts of CollegedaleRelatively moderate
  6. Winter weatherrelatively high in parts of CollegedaleRelatively moderate

FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Collegedale’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.

From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Hamilton County and the Chattanooga, TN-GA metro.

Collegedale home values

Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.

$200,000 $300,000 $400,000 2018 2020 2022 2024 2026 Collegedale $414,306 Tennessee $330,844 United States $366,157
$200,000 $300,000 $400,000 2018 2022 2026
  • Collegedale$414,306
  • Tennessee$330,844
  • United States$366,157

Sellers are cutting prices on about 1 in 5 Collegedale listings — the market is heating up.

When this market ran hot

Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.

JFMAMJJASOND
2026
2025
2024
2023
2022
2021
2020
2019
2018
falling flat warming hot overheating runaway

Market heat, inside the city limits

Share of listings with a price cut

The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.

10% 20% 30% 2022 2023 2024 2025 2026 Collegedale 18.64% United States 26.90%
10% 20% 30% 2022 2024 2026
  • Collegedale18.64%
  • United States26.90%

Homes for sale

Active for-sale inventory. More supply hands power to buyers.

10 20 30 40 50 2018 2019 2020 2021 2022 2023 2024 2025 2026 Collegedale 25
10 20 30 40 50 2018 2022 2026
  • Collegedale25

New listings per month

Sellers arriving at the market.

5 8 10 2026 Collegedale 5
5 8 10 2026
  • Collegedale5

Zip codes with a Collegedale address

A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Collegedale — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.

Zillow publishes no zip-level series with this city on the address.