Chattanooga Metro Area, TN-GA Local Data & Statistics

State: TN-GA

Total population: 575,812 Household income: $72,161 Rent: $1,163

Overview

Total population

575,812

Rent

$1,163

Year built

1983

Household income

$72,161

Per capita income

$41,227

Poverty rate

13%

Unemployment rate

3.2%

Household size

2.4 persons

Rent over 30% of income

41.4%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available, with the exception of the unemployment rate, which is sourced from the Bureau of Labor Statistics (BLS). ACS 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State

TN-GA

Total population

575,812

Adults over 25

407,232

Total households

231,335

Household size

2.4 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

Income & Poverty

Household income

$72,161

Per capita income

$41,227

Poverty rate

13%

Unemployment rate

3.2%

Rent over 30% of income

41.4%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

Housing

Rent

$1,163

Year built

1983

Households that rent

31.8%

Households that own

68.2%

Rooms per home (all homes)

5.7

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

Race

White

77.1%

Black

11.9%

Asian

1.7%

Two or more races

6.7%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

Ethnicity

Hispanic or Latino

6.4%

Not Hispanic or Latino

93.6%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

Commute

Commute rate

86.7%

Commute time to work

24 mins

Work from home

13.3%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

Education

Less than high school

30.3%

High school graduate or GED

27.2%

Some college or associate degree

10.6%

Bachelor’s degree or higher

31.9%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

Comparison of Chattanooga Metro Area, TN-GA with: Tennessee Georgia United States

Chattanooga Metro Area

Total population575,812

Rent$1,163

Year built1983

Household income$72,161

Per capita income$41,227

Poverty rate13%

Unemployment rate3.2%

Tennessee State

Total population7,066,383

Rent$1,189

Year built1987

Household income$69,595

Per capita income$39,437

Poverty rate13.8%

Unemployment rate3.4%

Georgia State

Total population10,940,407

Rent$1,393

Year built1992

Household income$77,353

Per capita income$40,924

Poverty rate13.4%

Unemployment rate3.5%

United States

Total population334,922,499

Rent$1,413

Year built1980

Household income$80,734

Per capita income$44,673

Poverty rate12.5%

Unemployment rate4%

Metric	Metro AreaChattanooga Metro Area	StateTennessee	State Georgia	CountryUnited States
Total population	575,812	7,066,383	10,940,407	334,922,499
Rent	$1,163	$1,189	$1,393	$1,413
Year built	1983	1987	1992	1980
Household income	$72,161	$69,595	$77,353	$80,734
Per capita income	$41,227	$39,437	$40,924	$44,673
Poverty rate	13%	13.8%	13.4%	12.5%
Unemployment rate	3.2%	3.4%	3.5%	4%

View the full multi-level comparison →

Summary for Chattanooga Metro Area, TN-GA

Chattanooga metro area spans parts of TN and GA.

Rent & Income

The typical monthly rent in this metro area is $1,163, while the typical household income is $72,161. Rent in this metro area is similar to Tennessee and lower than the U.S., and household income is similar to Tennessee and lower than the U.S.

Housing & Affordability

This metro area is primarily owner-occupied, with renters accounting for about 31.8% of households. About 41.4% of renters spend more than 30% of their income on housing, indicating a high cost burden. The poverty rate is about 13%, which is lower than the Tennessee rate and similar to the national rate.

Education & Employment

The local unemployment rate is about 3.2%, which is lower than in both Tennessee and the national rate.

Chattanooga Metro Area, TN-GA — Rent vs Household Income

Chattanooga Metro Area, TN-GA — Poverty vs Unemployment

💰 Rent in Chattanooga Metro Area, TN-GA (with Utilities)

Estimated Monthly Rent: $1,163 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing, including the apartment or home and essential utilities such as heat, water, and electricity. Even when utilities are billed separately, an estimated average cost for utilities is included, in line with the U.S. Census Bureau’s (ACS) definition of gross rent.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in Chattanooga Metro Area, TN-GA

Annual Household Income: $72,161

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in this area — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in Chattanooga Metro Area, TN-GA

Estimated Rate: 13%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in Chattanooga Metro Area, TN-GA

In Chattanooga Metro Area, TN-GA, households that rent: 73,660 (31.8%)

📊 What does the renter household percentage reveal about this area?

Household Type	Count	Share
Renter-Occupied	73,660	31.8%
Owner-Occupied	157,675	68.2%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in Chattanooga Metro Area, TN-GA

In Chattanooga Metro Area, TN-GA, cost-burdened renters (households spending over 30% of income on housing): 30,481 (41.4%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?

Household Group	Households	Share
Cost-burdened renters (over 30%)	30,481	41.4%
Other renter households	43,179	58.6%
Total renter households	73,660	100%

Shares are calculated as a percentage of renter households.

This shows how many renters in this area are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in Chattanooga Metro Area, TN-GA

Less than High School: 123,297 people (30.3%)

Includes adults who did not complete high school.

High School Graduate or GED: 110,917 people (27.2%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 43,266 people (10.6%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 129,752 people (31.9%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 407,232

📊 Unemployment Rate in Chattanooga Metro Area, TN-GA

Estimated Rate: 3.2%

💡 What does Unemployment Rate mean?

Definition: The unemployment rate is the percentage of people in the labor force who do not have a job but are actively looking for one.

Labor Force = Employed + Unemployed (aged 16+ and actively participating in the workforce).

Formula: (Unemployed ÷ Labor Force) × 100

Does NOT include: People who are retired, students not looking for work, homemakers, or otherwise not seeking employment.

Example: If there are 1000 people in the labor force and 80 are unemployed, then the unemployment rate is 8%.

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.