East Brainerd, Chattanooga, TN—37421
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — East Brainerd, Chattanooga, TN
As of Oct '25, the median home price in East Brainerd, Chattanooga, TN is $361,000, with a year-over-year change of -0.3%. This indicates that home prices in East Brainerd, Chattanooga, TN are flat. 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 | $361,000 | -0.3% |
| Single Family | $364,000 | -0.8% |
| Condos | $316,000 | 2.9% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $275,000 | 0.0% |
3 Bed | $344,000 | -0.6% |
4 Bed | $440,000 | 0.0% |
| 5 Bed | $592,000 | 0.7% |
% of Housing Stock
Rental Trends — East Brainerd, Chattanooga, TN
As of July '25, Rentcast reports the average rent in East Brainerd, Chattanooga, TN is $1,990, with a year-over-year rent change of -11.6%. Per bedroom, the median rent as of July '25 in East Brainerd, Chattanooga, TN is studios: $1,060, 1-bedrooms: $1,180, 2-bedrooms: $1,610, 3-bedrooms: $2,160, 4-bedrooms: $2,910. The most common rental property sizes in East Brainerd, Chattanooga, TN are 2-bedroom and 1-bedroom, accounting for 39.6% and 31.3% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,900 | $1,990 |
| Studio Rent | $1,100 | $1,060 |
| 1 Bed Rent | $1,110 | $1,180 |
| 2 Bed Rent | $1,620 | $1,610 |
| 3 Bed Rent | $2,000 | $2,160 |
| 4 Bed Rent | $2,800 | $2,910 |
% of Rental Stock
Property Listings — East Brainerd, Chattanooga, TN
As of Oct '25, Realtor.com reports that the median days on market for a home in East Brainerd, Chattanooga, TN is 56. This is a increase of 10.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 29.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $395,000 | -9.0% |
Listing Count | 322 | 52.0% |
| Listings as % of Homes | 0.7% | 52.0% |
Days on Market | 56 | 10.0% |
Demographics — East Brainerd, Chattanooga, TN
As of the latest ACS Survey released in 2023, East Brainerd, Chattanooga, TN has a population of 52,500, which has increased by 3.1% over the past 5 years. East Brainerd, Chattanooga, TN is a moderately popular place for families, as children make up 19.2% of the population. The area has a moderately educated workforce, with 37.9% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 11.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 52,500 | 3.1% |
% Under 18 | 19.2% | -3.5% |
% Seniors | 19.3% | 17.0% |
% WFH | 11.0% | 83.3% |
% w/ College Degree | 37.9% | 5.3% |
As of the latest ACS Survey released in 2023, East Brainerd, Chattanooga, TN is a predominantly white area, with 61.3% of the population identifying as white. The white population has shrunk by 9.3% in the last 5 years. The second most common race or ethnicity in East Brainerd, Chattanooga, TN is black, making up 23.2% of the population. Foreign-born residents account for 8.8% of the population in East Brainerd, Chattanooga, TN, and this percentage has increased by 1.1% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 61.3% | -9.3% |
% Black | 23.2% | 18.4% |
% Hispanic | 8.3% | 38.3% |
% Asian | 4.7% | 2.2% |
% Foreign Born | 8.8% | 1.1% |
Mortgage and Risk — East Brainerd, Chattanooga, TN
According to HUD data as of 2023, there were 46 mortgage originations in East Brainerd, Chattanooga, TN, of which 76.0% of loans were conventional mortgages. The average loan-to-value was 70.0%, with 28.0% above 90% LTV (very high). This implies large mortgage risk in East Brainerd, Chattanooga, TN. Investor activity is low, as 7.0% of loans were by investors. 15.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 46 |
% Conventional Loans | 76.0% |
% Government Loans | 24.0% |
% Investor Loans | 7.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 15.0% |
Loan Activity
Rentals and Section 8 — East Brainerd, Chattanooga, TN
As of 2024, the percent of homes in East Brainerd, Chattanooga, TN under the Section 8 program is 6.2%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom and 2-bedroom and 3-bedroom units appear to be good home sizes to consider for Section 8 housing in East Brainerd, Chattanooga, TN, because HUD payments exceed market rent, while 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 531 |
Total Units Section 8 | 526 |
% Rentals under Section 8 | 6.2% |
% Occupied Section 8 | 77.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $550 | $1,110 | $1,660 |
| 2 Bedroom | $220 | $1,620 | $1,840 |
| 3 Bedroom | $320 | $2,000 | $2,320 |
| 4 Bedroom | -$290 | $2,800 | $2,510 |
Affordability — East Brainerd, Chattanooga, TN
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.2 |
| Median Home Price | $361,000 |
| Median Household Income | $80,000 |