Provisional grade — derived from this report's measured data points; the county detector suite has not measured this geography yet. The measured ARED Score replaces it on the suite's next run.
ZIP 37405 — Chattanooga
The 37405 housing market remains stable with steady demand for homes in the Northshore area, supported by a strong local economy and high quality of life. While inventory levels have increased slightly, the market continues to see competitive pricing and relatively quick sales, reflecting sustained interest from both local buyers and newcomers.
This ZIP is ideal for young professionals and families seeking proximity to downtown Chattanooga's urban amenities while maintaining access to riverfront parks and a walkable lifestyle.
Median prices moved up 0.2% year over year.
Homes spend a median of 27 days on market with 3.7 months of supply — a fast-moving market.
19% of listings have cut prices · homes sell at 98.2% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.4% · poverty 13.4% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 8.5%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.9%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 37405, Hamilton County TN
Crime rates in the 37405 area are generally consistent with urban Chattanooga trends, with higher concentrations of property crime near commercial corridors compared to the more secluded residential pockets.
Schools serving the 37405 area are part of the Hamilton County School District, which maintains a mix of magnet and traditional public schools with varying performance ratings.
The area faces moderate risk from localized flooding near the Tennessee River and its tributaries, while wildfire risk is generally low due to the urbanized landscape.
Economic momentum is driven by the revitalization of the Northshore district and proximity to downtown Chattanooga's major employers in healthcare, logistics, and manufacturing.
Property taxes are assessed by Hamilton County based on a state-mandated appraisal cycle, with rates determined by the combined levies of the county and the city of Chattanooga.
Residents enjoy a short commute to downtown Chattanooga, typically under 15 minutes via major corridors like US-27 and local surface streets.
The area features extensive access to the Tennessee River, Coolidge Park, and the Northshore shopping and dining district, providing a high density of recreational amenities.
The rental market is competitive with a high demand for urban-adjacent housing, though recent inventory increases have led to a slight softening in year-over-year rent growth.
The local economy is anchored by Chattanooga's diverse base, including major employers in the healthcare, automotive manufacturing, and technology sectors.
The area is well-served by local bus routes and provides easy access to the I-24 and I-75 highway corridors.
Ongoing development focuses on mixed-use residential and commercial projects along the riverfront and the Northshore corridor.
The Hamilton County Assessor of Property manages assessments, with properties typically reappraised on a multi-year cycle.
Parcels are subject to Hamilton County and Chattanooga city tax levies, with additional utility districts providing water and sewer services.
Property insurance premiums are influenced by the area's proximity to the Tennessee River and regional weather patterns.
Data retrieved from data.census.gov ZCTA 37405 profile.
A major riverfront park featuring a historic carousel and walking trails.
A vibrant commercial district with local boutiques and restaurants.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Forecasts are for speculation only and should not be used as a deciding factor in any transaction. Projections trend strictly from calculable historical values — the platform cannot predict market movements, market sentiment, or the market itself.
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Standard trend model — solid = measured history · dashed = projection anchored at each line's last measured point, following that series' trailing pace (CAGR capped ±12%/yr) or trailing mean · projections are estimates, not measured reads · every charted series runs the standard 5-year historical window with a 1-year forecast, trimmed from the full retained ledger — the forecast always extends into the future year (a lagging ledger bridges to it) and stops there on purpose: authoritative, not wizardry · every price line is county-assessed value from the district CAD — the tier's same-parcel assessment roll-up on the momentum tile, the assessed trajectory in raw dollar levels and as a YoY-chained index (base 100), and the month-over-month pace from nearby comparable sales pooled from the research track; a tier without comps yet keeps its pace story with the assessed trend. Inventory, liquidity, price-cut and foreclosure lines run on the platform's own measured series.
No recorded foreclosure notices for ZIP 37405 yet. Counties ingest on the scheduled rotation — absence here reads as no recorded notices, not as verified zero distress.