Chattanooga, TN, US
Gig City with fastest internet, Lookout Mountain, and no state income tax.
Below Average vs US Avg (100)
Affordable
Household income
Job market health
Chattanooga vs US Average
Taxes
- State Income Tax: None
- Sales Tax: 9.2%
Economy & Jobs
- Median Income: $48,000
- Unemployment: 3.2%
- Population: 184,086
Climate
- Sunny Days: 208/year
- Summer High: 90°F
- Winter Low: 30°F
- Farming Zone: USDA Zone 5b
Housing
- Median Home: $265,000
- 1BR Rent: $1150/mo
Cost of Living
Chattanooga's cost of living index is 92.5 (US average = 100).
| Category | Chattanooga | National Average | Difference |
|---|---|---|---|
| Overall | 92.5 | 100 | -7.5% |
| Housing | 82.5 | 100 | -17.5% |
Data source: Council for Community and Economic Research (C2ER), 2026
Housing Market
| Metric | Value |
|---|---|
| Median Home Price | $265,000 |
| Median Rent (1BR) | $1150/mo |
| Median Rent (2BR) | $1,438/mo |
| Price per Sq Ft | $176 |
Data source: Zillow Research, 2026
True Cost of Home Ownership
Utilities
Estimated monthly utility costs for a typical household in Chattanooga:
| Utility | Estimated Monthly Cost | Notes |
|---|---|---|
| Electricity | $100 | Based on ~900 kWh/month typical US household usage |
| Heating & Cooling | $48 | Estimated based on local climate. Gas or electric |
| Cooling (AC) | $9 | Estimated based on local climate and electricity rates |
| Water | $40 | Includes sewer |
| Internet (100+ Mbps) | $60 | Broadband average |
| Garbage / Trash | $25 | Private service |
| Total Utilities | $282 | Monthly estimate (including heating & cooling) |
Data sources: U.S. Energy Information Administration (EIA) 2024, EPA/AWWA water rate surveys, BroadbandNow
Remote Work Score
Chattanooga scores —/100 for remote work readiness:
Climate
Chattanooga has a varied climate with distinct seasons.
| Month | Avg High | Avg Low | Rainfall |
|---|---|---|---|
| January | 50°F | 30°F | 2.5" |
| April | 75°F | 45°F | 2.8" |
| July | 90°F | 65°F | 1.5" |
| October | 70°F | 48°F | 2.2" |
Cool — many vegetables, some fruit trees
Natural Hazards
Chattanooga faces the following natural hazards:
Dixie Alley with frequent tornadoes.
Flash floods.
Summer heat waves.
Appalachian region with landslides.
New Madrid Seismic Zone.
Wildfire risk in forested areas.
Periodic drought conditions.
Based on historical records and geographic risk assessment.
Taxes
- State Income Tax: 0% (None)
- Sales Tax: 9.25%
- Property Tax: ~0.68% of assessed value
Economy & Jobs
Major industries include technology, healthcare, education, and manufacturing. The unemployment rate is 3.2%.
Crime & Safety
Crime rates in Chattanooga per 100,000 residents:
Data source: FBI Uniform Crime Reporting
Schools & Education
Data source: National Center for Education Statistics (NCES)
Universities & Higher Education
Data source: Center for World University Rankings (CWUR) & World Universities Database
Important Disclaimer: All data on this page is for informational purposes only and does not constitute financial, legal, tax, or real estate advice. URCity and Northshore Press are not financial advisors, tax professionals, or real estate agents. Always consult qualified professionals before making relocation or financial decisions.
Frequently Asked Questions
What is the cost of living in Chattanooga, TN, US?
The cost of living index in Chattanooga is 92.5, which is Lower the US national average of 100.
How much does it cost to buy a home in Chattanooga?
The median home price in Chattanooga is $265,000. The housing index is 82.5.
What is the average rent for a 1-bedroom apartment?
The average rent for a 1-bedroom apartment in Chattanooga is approximately $1150/mo.
Does Chattanooga, TN have income tax?
Chattanooga is in TN, which has no income tax.
What is the climate like in Chattanooga?
Chattanooga enjoys approximately 208 sunny days per year. Summer highs reach around 90°F, while winter lows can drop to around 30°F.
Relocation Guides
Data Sources
- Cost of Living: Council for Community and Economic Research (C2ER), 2026
- Housing Data: Zillow Research, 2026
- Income & Employment: US Census Bureau American Community Survey, 2024
- Utilities U.S. Energy Information Administration (EIA) 2024, EPA/AWWA water rate surveys, BroadbandNow
Data last updated: August 12, 2026. Data may not reflect current market conditions. Always verify with local sources before making relocation decisions.