Brainerd, Chattanooga, TN—37411
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Brainerd, Chattanooga, TN
As of Oct '25, the median home price in Brainerd, Chattanooga, TN is $230,000, with a year-over-year change of -1.0%. This indicates that home prices in Brainerd, Chattanooga, TN are decreasing. According to Zillow, the 1-year price projection is 1.7%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $230,000 | -1.0% |
| Single Family | $231,000 | -1.3% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $202,000 | -1.0% |
3 Bed | $259,000 | -0.4% |
4 Bed | $320,000 | -1.2% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Brainerd, Chattanooga, TN
As of July '25, Rentcast reports the average rent in Brainerd, Chattanooga, TN is $1,470, with a year-over-year rent change of -0.7%. Per bedroom, the median rent as of July '25 in Brainerd, Chattanooga, TN is studios: $2,230, 1-bedrooms: $910, 2-bedrooms: $1,320, 3-bedrooms: $1,710, 4-bedrooms: $2,090. The most common rental property sizes in Brainerd, Chattanooga, TN are 2-bedroom and 3-bedroom, accounting for 52.7% and 20.2% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,430 | $1,470 |
| Studio Rent | $1,060 | $2,230 |
| 1 Bed Rent | $900 | $910 |
| 2 Bed Rent | $1,210 | $1,320 |
| 3 Bed Rent | $1,750 | $1,710 |
| 4 Bed Rent | $1,900 | $2,090 |
% of Rental Stock
Property Listings — Brainerd, Chattanooga, TN
As of Oct '25, Realtor.com reports that the median days on market for a home in Brainerd, Chattanooga, TN is 59. This is a decrease of -13.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 45.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $273,000 | -3.0% |
Listing Count | 89 | 6.0% |
| Listings as % of Homes | 0.7% | 6.0% |
Days on Market | 59 | -13.0% |
Demographics — Brainerd, Chattanooga, TN
As of the latest ACS Survey released in 2023, Brainerd, Chattanooga, TN has a population of 18,800, which has increased by 10.6% over the past 5 years. Brainerd, Chattanooga, TN is a moderately popular place for families, as children make up 24.2% of the population. The area has a moderately educated workforce, with 29.1% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 11.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 18,800 | 10.6% |
% Under 18 | 24.2% | 7.6% |
% Seniors | 18.0% | 13.2% |
% WFH | 11.7% | 165.9% |
% w/ College Degree | 29.1% | 13.7% |
As of the latest ACS Survey released in 2023, Brainerd, Chattanooga, TN is a predominantly black area, with 48.8% of the population identifying as black. The black population has shrunk by 10.6% in the last 5 years. The second most common race or ethnicity in Brainerd, Chattanooga, TN is white, making up 37.4% of the population. Foreign-born residents account for 3.9% of the population in Brainerd, Chattanooga, TN, and this percentage has decreased by 11.4% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 37.4% | 6.6% |
% Black | 48.8% | -10.6% |
% Hispanic | 7.7% | 1.3% |
% Asian | 0.9% | 50.0% |
% Foreign Born | 3.9% | -11.4% |
Mortgage and Risk — Brainerd, Chattanooga, TN
According to HUD data as of 2023, there were 415 mortgage originations in Brainerd, Chattanooga, TN, of which 71.0% of loans were conventional mortgages. The average loan-to-value was 69.0%, with 35.0% above 90% LTV (very high). This implies large mortgage risk in Brainerd, Chattanooga, TN. Investor activity is low, as 7.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 415 |
% Conventional Loans | 71.0% |
% Government Loans | 29.0% |
% Investor Loans | 7.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — Brainerd, Chattanooga, TN
As of 2024, the percent of homes in Brainerd, Chattanooga, TN under the Section 8 program is 24.8%. This is considered high, suggesting that the neighborhood is heavily composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom and 2-bedroom units appear to be good home sizes to consider for Section 8 housing in Brainerd, Chattanooga, TN, because HUD payments exceed market rent, while 3-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 776 |
Total Units Section 8 | 734 |
% Rentals under Section 8 | 24.8% |
% Occupied Section 8 | 80.7% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $340 | $900 | $1,240 |
| 2 Bedroom | $170 | $1,210 | $1,380 |
| 3 Bedroom | -$10 | $1,750 | $1,740 |
| 4 Bedroom | -$20 | $1,900 | $1,880 |
Affordability — Brainerd, Chattanooga, TN
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.2 |
| Median Home Price | $230,000 |
| Median Household Income | $50,200 |