Explore rent benchmarks by bedroom and ZIP, compare local rental households, then test a property using your own costs.
HUD rent dataChattanooga, TN-GA MSA
3-bedroom gross-rent benchmark
$1,734 / month
-3.5% from FY2025.
FY2026 · effective Oct 1, 2025
Includes tenant-paid utilities. A benchmark, not an approved rent or property-specific estimate.
Published rent benchmarks
FY2025
$1,796
FY2026
$1,734
FY2027
$1,657
Published schedules for the selected bedroom count. Benchmark changes are not a forecast.
Chattanooga, TN-GA MSA · Monthly gross rents
Bedroom count
FY2025
FY2026 · current
FY2027 · upcoming
Studio
$1,231
$1,211
$1,181
1 bedroom
$1,284
$1,263
$1,231
2 bedrooms
$1,426
$1,390
$1,340
3 bedrooms
$1,796
$1,734
$1,657
4 bedrooms
$1,942
$1,853
$1,761
FY2026 HUD area coverage: Catoosa County, GA; Dade County, GA; Walker County, GA; Hamilton County, TN; Marion County, TN; Sequatchie County, TN. ZIP schedules may cover portions of this area.
Compare rents by ZIP code
Monthly HUD gross-rent benchmarks, including tenant-paid utilities. Choose 2–4 ZIPs to compare.
71 ZIP codes across published schedules
ZIP rent table
FY2026 monthly gross rents by ZIP. Missing observations are unavailable.
ZIP
Studio
1 bedroom
2 bedrooms
3 bedrooms
4 bedrooms
$1,010
$1,050
$1,160
$1,450
$1,550
$840
$970
$1,210
$1,580
$2,030
$960
$1,000
$1,100
$1,390
$1,500
$1,100
$1,150
$1,260
$1,570
$1,680
$930
$970
$1,070
$1,330
$1,430
$840
$860
$1,010
$1,360
$1,590
$1,080
$1,130
$1,250
$1,560
$1,670
$1,000
$1,020
$1,170
$1,520
$1,790
$1,170
$1,210
$1,350
$1,700
$1,830
$740
$860
$1,070
$1,390
$1,790
$1,110
$1,150
$1,270
$1,580
$1,690
$1,090
$1,140
$1,250
$1,560
$1,670
$860
$900
$1,090
$1,440
$1,680
$790
$790
$970
$1,350
$1,640
$1,110
$1,150
$1,270
$1,580
$1,690
$980
$1,030
$1,130
$1,410
$1,510
$800
$810
$970
$1,330
$1,570
$800
$890
$1,060
$1,360
$1,650
$1,040
$1,090
$1,200
$1,490
$1,600
$740
$740
$970
$1,170
$1,310
$1,140
$1,190
$1,310
$1,630
$1,750
$1,290
$1,340
$1,480
$1,850
$1,970
$880
$900
$1,060
$1,360
$1,520
$840
$930
$1,220
$1,570
$1,620
$1,630
$1,700
$1,870
$2,330
$2,490
$930
$970
$1,080
$1,340
$1,450
$940
$1,000
$1,250
$1,610
$1,680
$800
$810
$1,010
$1,270
$1,470
$1,030
$1,080
$1,180
$1,480
$1,580
$1,320
$1,370
$1,510
$1,880
$2,010
$1,370
$1,430
$1,570
$1,960
$2,090
$960
$1,000
$1,100
$1,370
$1,470
$1,660
$1,730
$1,900
$2,370
$2,530
$1,290
$1,350
$1,480
$1,850
$1,980
$920
$1,000
$1,290
$1,650
$1,710
$790
$890
$970
$1,220
$1,330
$1,630
$1,700
$1,870
$2,330
$2,490
$770
$890
$970
$1,220
$1,350
$910
$1,060
$1,160
$1,460
$1,620
$740
$750
$980
$1,190
$1,630
$1,260
$1,320
$1,450
$1,810
$1,930
$1,000
$1,050
$1,150
$1,430
$1,530
$1,130
$1,140
$1,460
$1,930
$2,350
$1,370
$1,430
$1,570
$1,960
$2,110
$1,100
$1,140
$1,260
$1,570
$1,680
$1,050
$1,100
$1,210
$1,510
$1,610
$1,290
$1,340
$1,480
$1,850
$1,970
$770
$890
$970
$1,220
$1,350
$1,060
$1,110
$1,210
$1,510
$1,620
$900
$940
$1,030
$1,300
$1,400
$1,290
$1,340
$1,480
$1,850
$1,970
$1,320
$1,380
$1,520
$1,900
$2,030
$1,440
$1,500
$1,650
$2,060
$2,200
$1,130
$1,180
$1,300
$1,620
$1,730
$1,500
$1,560
$1,720
$2,150
$2,290
$1,050
$1,090
$1,200
$1,500
$1,600
$1,030
$1,070
$1,180
$1,470
$1,570
$1,450
$1,510
$1,660
$2,070
$2,210
$1,260
$1,320
$1,450
$1,810
$1,930
$960
$1,000
$1,100
$1,370
$1,470
$1,170
$1,220
$1,340
$1,670
$1,790
$1,210
$1,260
$1,390
$1,730
$1,850
$1,290
$1,340
$1,480
$1,850
$1,970
$1,380
$1,440
$1,580
$1,970
$2,110
$1,180
$1,240
$1,360
$1,700
$1,810
$1,100
$1,150
$1,260
$1,570
$1,680
$1,590
$1,660
$1,830
$2,280
$2,440
$1,290
$1,340
$1,480
$1,850
$1,970
$1,290
$1,340
$1,480
$1,850
$1,970
$1,290
$1,340
$1,480
$1,850
$1,970
$740
$750
$970
$1,260
$1,350
Choose up to four ZIPs.
Local rental households
2020–2024 ACS 5-year. County figures describe the named county, not the entire HUD rental area. County choices follow the current HUD area.
Catoosa County, Georgia
Rental households
Rental households
6,864
Share of occupied homes rented
25.8%
Rent burden
Spend 30%+ of income on rent
43.4%
Spend 50%+ of income on rent
19.2%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
43.0%
Buildings with 2–4 units
27.9%
Buildings with 5+ units
18.6%
Other rental homes
10.5%
Estimates & uncertainty
Catoosa County, Georgia · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
6,864
±635
Share of occupied homes rented
25.8%
±2.3 percentage points
Spend 30%+ of income on rent
43.4%
±5.9 percentage points
Spend 50%+ of income on rent
19.2%
±4.3 percentage points
Single-unit homes
43.0%
±5.3 percentage points
Buildings with 2–4 units
27.9%
±6.7 percentage points
Buildings with 5+ units
18.6%
±3.6 percentage points
Other rental homes
10.5%
±3.1 percentage points
Sampling estimates, not exact counts. Margins of error for derived percentages follow Census guidance. Small differences may not be meaningful.
Dade County, Georgia
Rental households
Rental households
1,219
Share of occupied homes rented
20.0%
Rent burden
Spend 30%+ of income on rent
29.0%
Spend 50%+ of income on rent
18.1%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
48.9%
Buildings with 2–4 units
9.4%
Buildings with 5+ units
18.9%
Other rental homes
22.7%
Estimates & uncertainty
Dade County, Georgia · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
1,219
±231
Share of occupied homes rented
20.0%
±3.7 percentage points
Spend 30%+ of income on rent
29.0%
±7.0 percentage points
Spend 50%+ of income on rent
18.1%
±6.8 percentage points
Single-unit homes
48.9%
±15.6 percentage points
Buildings with 2–4 units
9.4%
±5.5 percentage points
Buildings with 5+ units
18.9%
±9.5 percentage points
Other rental homes
22.7%
±7.1 percentage points
Sampling estimates, not exact counts. Margins of error for derived percentages follow Census guidance. Small differences may not be meaningful.
Walker County, Georgia
Rental households
Rental households
6,018
Share of occupied homes rented
22.8%
Rent burden
Spend 30%+ of income on rent
47.0%
Spend 50%+ of income on rent
20.3%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
49.0%
Buildings with 2–4 units
16.7%
Buildings with 5+ units
13.9%
Other rental homes
20.4%
Estimates & uncertainty
Walker County, Georgia · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
6,018
±638
Share of occupied homes rented
22.8%
±2.4 percentage points
Spend 30%+ of income on rent
47.0%
±4.9 percentage points
Spend 50%+ of income on rent
20.3%
±4.1 percentage points
Single-unit homes
49.0%
±4.6 percentage points
Buildings with 2–4 units
16.7%
±4.1 percentage points
Buildings with 5+ units
13.9%
±3.4 percentage points
Other rental homes
20.4%
±4.3 percentage points
Sampling estimates, not exact counts. Margins of error for derived percentages follow Census guidance. Small differences may not be meaningful.
Hamilton County, Tennessee
Rental households
Rental households
55,650
Share of occupied homes rented
36.1%
Rent burden
Spend 30%+ of income on rent
45.2%
Spend 50%+ of income on rent
22.4%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
35.5%
Buildings with 2–4 units
17.1%
Buildings with 5+ units
44.5%
Other rental homes
2.9%
Estimates & uncertainty
Hamilton County, Tennessee · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
55,650
±1,809
Share of occupied homes rented
36.1%
±1.1 percentage points
Spend 30%+ of income on rent
45.2%
±2.1 percentage points
Spend 50%+ of income on rent
22.4%
±1.5 percentage points
Single-unit homes
35.5%
±1.7 percentage points
Buildings with 2–4 units
17.1%
±1.6 percentage points
Buildings with 5+ units
44.5%
±2.4 percentage points
Other rental homes
2.9%
±0.7 percentage points
Sampling estimates, not exact counts. Margins of error for derived percentages follow Census guidance. Small differences may not be meaningful.
Marion County, Tennessee
Rental households
Rental households
2,547
Share of occupied homes rented
21.5%
Rent burden
Spend 30%+ of income on rent
41.4%
Spend 50%+ of income on rent
20.4%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
54.2%
Buildings with 2–4 units
12.8%
Buildings with 5+ units
8.2%
Other rental homes
24.8%
Estimates & uncertainty
Marion County, Tennessee · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
2,547
±367
Share of occupied homes rented
21.5%
±3.0 percentage points
Spend 30%+ of income on rent
41.4%
±9.5 percentage points
Spend 50%+ of income on rent
20.4%
±5.6 percentage points
Single-unit homes
54.2%
±4.5 percentage points
Buildings with 2–4 units
12.8%
±4.7 percentage points
Buildings with 5+ units
8.2%
±3.9 percentage points
Other rental homes
24.8%
±8.4 percentage points
Sampling estimates, not exact counts. Margins of error for derived percentages follow Census guidance. Small differences may not be meaningful.
Sequatchie County, Tennessee
Rental households
Rental households
1,362
Share of occupied homes rented
22.0%
Rent burden
Spend 30%+ of income on rent
56.0%
Spend 50%+ of income on rent
35.3%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
41.8%
Buildings with 2–4 units
19.0%
Buildings with 5+ units
10.5%
Other rental homes
28.7%
Estimates & uncertainty
Sequatchie County, Tennessee · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
1,362
±232
Share of occupied homes rented
22.0%
±3.7 percentage points
Spend 30%+ of income on rent
56.0%
±12.9 percentage points
Spend 50%+ of income on rent
35.3%
±12.3 percentage points
Single-unit homes
41.8%
±9.8 percentage points
Buildings with 2–4 units
19.0%
±8.3 percentage points
Buildings with 5+ units
10.5%
±10.0 percentage points
Other rental homes
28.7%
±8.9 percentage points
Sampling estimates, not exact counts. Margins of error for derived percentages follow Census guidance. Small differences may not be meaningful.
Census sources & definitions
2020–2024 ACS 5-year combines five years of survey responses. These are period estimates, not current asking rents. Rental households include renter-occupied units; building types describe the building containing the rental. The other category includes mobile homes, boats, RVs and similar housing.
Source: U.S. Census Bureau, tables B25003, B25070 and B25032. Statistical guidance. Data checked Sep 22, 2026. Rental Wire is not affiliated with or endorsed by the Census Bureau.
Use the benchmark as a starting point or enter the lease rent you expect. Price and cost inputs below are editable examples, not local estimates.
Monthly cash flow before income tax
-$7
Illustrative price and costs. Edit the assumptions to analyze your property.
Lease rent used
$1,584
Upfront cash
$53,500
Sources, dates & coverage
Chattanooga, TN-GA MSA. HUD area ID: METRO16860M16860. Coverage: Catoosa County, GA; Dade County, GA; Walker County, GA; Hamilton County, TN; Marion County, TN; Sequatchie County, TN.
HUD gross-rent benchmarks include tenant-paid basic utilities, excluding phone, cable and internet. They are not asking-rent quotes, approved Section 8 rents or housing-authority payment standards.
HUD data checked Sep 22, 2026. Changes can reflect methodology and geographic coverage as well as rents. Missing or non-comparable observations remain unavailable. Future schedules are labelled upcoming.
Source: U.S. Department of Housing and Urban Development. HUD public-domain reuse policy, section 1.D. Rental Wire is not affiliated with or endorsed by HUD. Retain the source, geography and fiscal year when sharing data.
Calculation assumptions
Cash flow is rent less vacancy, operating costs, replacement reserves and a fixed-rate amortizing mortgage. Mortgage principal is included in cash outflow. Tax deductions, sale proceeds and appreciation are outside this first-year calculation. A target price holds the entered rent, expense amounts, mortgage rate and percentage down payment/closing costs fixed as the price changes. Property taxes and lender terms may change with the actual purchase price.
The benchmark-based input subtracts tenant-paid utilities once to estimate a lease-rent assumption. It does not calculate a voucher subsidy or determine a housing authority's approved rent. In custom-rent mode, the lease rent is used directly. Owner-paid utilities belong in operating costs.