Look up HUD rent benchmarks by bedroom and ZIP code, then estimate cash flow with your own price and 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
HUD schedules for the selected bedroom count. Changes are not a rent 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.
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. Figures cover the selected county, which may be only part of the current HUD rental 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 & margins of error
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
These are survey estimates. Margins of error for 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 & margins of error
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
These are survey estimates. Margins of error for 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 & margins of error
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
These are survey estimates. Margins of error for 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 & margins of error
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
These are survey estimates. Margins of error for 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 & margins of error
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
These are survey estimates. Margins of error for 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 & margins of error
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
These are survey estimates. Margins of error for 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 describe the survey period, not today’s market. Rental households are renter-occupied homes. Housing types refer to the building containing each rental; “other” 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.
Start with the HUD benchmark or enter your expected lease rent. Price and cost defaults are examples, not local estimates.
Monthly cash flow before income tax
-$7
Based on example price and costs. Edit them for 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 data and figures that cannot be compared are marked 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 fixed-rate mortgage payments, including principal. Tax deductions, sale proceeds and appreciation are outside this first-year calculation. The target price uses the same rent, expense amounts, mortgage rate, down-payment percentage and closing-cost percentage. Property taxes and lender terms may change with the actual purchase price.
When using a HUD benchmark, we subtract tenant-paid utilities to estimate lease rent. Custom rent is used as entered. Add utilities you pay to operating costs. This does not determine a voucher subsidy or a housing authority's approved rent.