Zip lookup · TN

37403
Chattanooga, Tennessee.

Chattanooga, Hamilton County, TN · Chattanooga, TN-GA metro · population 6,413

What it costs per month · 37403 $2,003/mo

to buy the typical home at today's mortgage rate — +$954 (+91%) since Jan 2020.

What the home itself did
1 year
Down $13,006 -3%
$394,679$381,673 since Sep 2025
5 years
Up $37,468 +11%
$344,204$381,673 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 37403 $2,003 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • 37403$2,003
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 34 years.

Typical home values in zip 37403 fell 3.3% over the past year — slower than the nation's +1.2%.

Asking rents in zip 37403 rose 2.5% over the past year — in step with the nation.

Owning the typical home in zip 37403 runs $1,044/mo more than renting one. The gap peaked at $1,338 in Jan 2025.

That is $2,608 a month against $1,563 rent: a $2,003 mortgage payment, plus $196 property tax and $409 insurance & upkeep.

Owning vs renting — zip 37403

The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.

$1,500 $2,000 $2,500 2025 2026 Owning all in $2,608 Renting $1,563 Mortgage only $2,003
$1,500 $2,000 $2,500 2025 2026
  • Owning all in$2,608
  • Renting$1,563
  • Mortgage only$2,003

Property tax · $196/mo 0.62% of value a year — the ACS 2020-2024 median bill over the median home value for Hamilton County, TN

Insurance & upkeep · $409/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.

Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.

Zillow also publishes an index for the city itself: Chattanooga, TN — measured over the city limits, which is a different area from this zip.

Asking rent $1,563 as of Sep 2026
+2.5%year on year
Typical home value $381,673 as of Sep 2026
-3.3%year on year

Asking rent — 37403

Against the Chattanooga, TN-GA metro and the national benchmark.

$1,400 $1,600 $1,800 2025 2026 37403 $1,563 Chattanooga $1,509 United States $1,932
$1,400 $1,600 $1,800 2025 2026
  • 37403$1,563
  • Chattanooga$1,509
  • United States$1,932

Typical home value — 37403

Mid-tier homes, smoothed and seasonally adjusted.

$200,000 $300,000 $400,000 2018 2020 2022 2024 2026 37403 $381,673 Chattanooga $318,922 United States $366,157
$200,000 $300,000 $400,000 2018 2022 2026
  • 37403$381,673
  • Chattanooga$318,922
  • United States$366,157

Within 20 miles

Showing 30 of 36 zips in range — sorting picks from all 36.

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
1.2 37402 Chattanooga 3,953 $1,514 $442,590
1.6 37408 Chattanooga 3,502 $1,388 $399,717
1.8 37404 Chattanooga 14,737 $1,546 $252,767
3.2 37407 Chattanooga 9,156 $1,322 $121,740
3.3 37406 Chattanooga 13,364 $1,579 $178,108
3.3 37410 Chattanooga 4,129 $1,508 $160,262
3.9 37411 Chattanooga 18,997 $1,491 $228,912
4.1 37351 Lupton City 281 — $229,735
4.3 37409 Chattanooga 3,357 $1,809 $383,793
4.9 37350 Lookout Mountain 2,111 — $1,086,591
5.1 37412 Chattanooga 21,864 $1,457 $253,191
5.6 37415 Chattanooga 24,181 $1,324 $325,510
6.7 30741 Rossville 30,041 $1,344 $213,224
7.0 37419 Chattanooga 5,980 $1,532 $368,807
7.9 37405 Chattanooga 18,109 $1,553 $449,993
8.1 37421 Chattanooga 52,985 $1,514 $357,190
8.2 30742 Fort Oglethorpe 7,745 $1,288 $255,189
8.5 37416 Chattanooga 13,919 $1,335 $286,273
9.1 30725 Flintstone 5,304 — $288,785
9.3 30750 Lookout Mountain 4,130 — $480,322
9.7 37343 Hixson 45,101 $1,589 $360,948
10.7 30757 Wildwood 1,589 — $228,317
11.7 37377 Signal Mountain 17,188 $2,312 $632,506
13.6 37340 Guild 288 — $174,919
13.6 30736 Ringgold 44,499 $1,803 $314,275
14.3 37363 Ooltewah 42,093 $2,018 $439,131
15.7 37302 Apison 5,082 — $523,896
16.4 30752 Trenton 9,527 — $238,005
16.6 37341 Harrison 15,591 — $333,661
16.9 37397 Whitwell 10,488 — $220,910

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.