Ringgold, Georgia.
Typical home $314,752 (+1.2% in a year), asking rent $1,803 (+4.2%). Chattanooga, TN-GA metro.
to buy the typical home at today's mortgage rate — +$935 (+130%) since Jan 2020.
- 1 year
- Up $3,755 +1%
- $310,997$314,752 since Sep 2025
- 5 years
- Up $66,170 +27%
- $248,582$314,752 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.
- Ringgold$1,652
- Georgia$1,727
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 15 years.
Typical home values in Ringgold, GA rose 1.2% over the past year — in step with the nation.
Asking rents in Ringgold, GA rose 4.2% over the past year — faster than the nation's +2.7%.
Owning the typical home in Ringgold runs $357/mo more than renting one. The gap peaked at $514 in Jan 2025.
That is $2,160 a month against $1,803 rent: a $1,652 mortgage payment, plus $171 property tax and $337 insurance & upkeep.
Owning vs renting — Ringgold
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.
- Owning all in$2,160
- Renting$1,803
- Mortgage only$1,652
Property tax · $171/mo 0.65% of value a year — the ACS 2020-2024 median bill over the median home value for Catoosa County, GA
Insurance & upkeep · $337/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.
Living in Ringgold, Catoosa County, Georgia
Ringgold is a city of 3,414 people in Catoosa County. 48% of its homes are lived in by their owners and 52% are rented. Unemployment in Catoosa County was 3.0% in August 2026, and the county had 0.8% more jobs in 2025 than the year before. The most people in Catoosa County work in schools and health care, then manufacturing.
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. Ringgold is a small city in Catoosa County, in the northwest corner of Georgia near the Tennessee line. Renting is common, since fewer homes are lived in by their owners than across much of the country, and fewer adults hold a four-year degree than in many places. Winters are cool, with highs in the low part of the range and only a dusting of snow, while summers are hot and the year is quite wet.
Work. Residents most often work in schools, hospitals and social care, followed by manufacturing, shops and the building trades. Among the largest workplaces in Ringgold are Catoosa County Schools, Propex Operating Company, which weaves fabrics, and Teems Fabrication, a metal fabricator. Most people commute a moderate distance to work, and few work from home.
Things to do. South Chickamauga Creek and Tiger Creek run in or beside town, and Chickamauga and Chattanooga National Military Park, a historic battlefield site, is a short drive away. Lake Winnepesaukah, an amusement park, is also a short drive away. For a longer outing, the Tennessee Aquarium and Ruby Falls, a waterfall, are a longer drive away.
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- 1,473households
- 18%of adults have a degree
- 15%below the poverty line
- 22 mintypical commute
- 5%work from home
What people in Catoosa County work in
Employed residents by industry, from the Census survey. Catoosa County had 16,421 jobs in 2025, 0.8% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 51° and lows near 29°; warmest in July, with highs near 89° and lows near 66°. About 1 inches of snow and 56 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Chickamauga Pk Larc weather station, 8 miles away (NOAA).
Largest workplaces in Ringgold
- Catoosa County SchoolsSchool district1,750FTE
- Propex Operating CompanyBroadwoven fabrics weaving200
- Bluemont GroupBakeries with baking from flour on the premises, retailing not for immediate consumption185
- Teems FabricationPlate work, fabricated metal, manufacturing152
- Metro Boiler Tube CoBoiler tubes, wrought, made from purchased iron121
- Signal Machine CompanyFabricated structural metal manufacturing93
- Carolina Container RinggoldShipping containers, corrugated, made from purchased paper or paperboard68
- RinggoldMail and parcel delivery65
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 16 workplaces with 20 or more staff, 1,287 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. 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
- Cold wavesRelatively high
- TornadoesRelatively high
- Strong windRelatively high
- Winter weatherRelatively high
- LightningRelatively high
- DroughtRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Ringgold’s census tracts, against the rest of the country; all of them together, relatively moderate. 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 Catoosa County and the Chattanooga, TN-GA metro.
Ringgold home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Ringgold$314,752
- Georgia$329,115
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Ringgold listings, and the typical home goes pending in 44 days — the market is cooling.
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.
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.
- Ringgold36.17%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Ringgold44
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Ringgold221
New listings per month
Sellers arriving at the market.
- Ringgold51
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Ringgold$314,604
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Ringgold98.27%
Zip codes with a Ringgold address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Ringgold — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.