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 37412 — Chattanooga
The 37412 housing market is currently stable, characterized by a somewhat competitive environment with homes selling in approximately 64 days. Prices have remained flat year-over-year, reflecting a balanced market where inventory levels are sufficient to meet current demand. The area remains an attractive, affordable option for families and commuters within the Chattanooga metro region.
This ZIP is well-suited for family buyers and commuters seeking affordable housing options within a short drive of Chattanooga's employment centers.
Median prices moved sideways 0.0% year over year.
Homes spend a median of 64 days on market with 3.9 months of supply — a fast-moving market.
3% of listings have cut prices · homes sell at 96.8% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.3% · poverty 13.1% — 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 9.2%/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 4.3%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 37412, Hamilton County TN
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
The area is served by the Hamilton County School District, with school quality varying by specific attendance zone.
The area benefits from its proximity to the Chattanooga employment core and ongoing commercial development in East Ridge.
Property taxes are assessed by Hamilton County; the effective rate is approximately 0.7% of home value.
Residents typically commute into downtown Chattanooga via I-24, with a mean travel time to work of approximately 20.8 minutes.
The area features access to local parks and is within a short drive of major shopping and dining districts in the Chattanooga metro area.
The rental market is moderately active with a renter share of approximately 42%, reflecting a mix of single-family and apartment housing.
The local economy is anchored by the broader Chattanooga metro area, with significant employment in manufacturing, healthcare, and logistics.
The area is served by major highway corridors including I-24 and I-75, facilitating regional connectivity.
Ongoing commercial redevelopment projects are concentrated along the Ringgold Road corridor in East Ridge.
Hamilton County Assessor of Property manages assessments based on fair market value.
Parcels are subject to Hamilton County property taxes and the Hamilton County School District.
Data retrieved from Census Reporter and US Census Bureau ZCTA profiles.
A large regional park featuring sports fields, trails, and event space.
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.
Unlocked in the Investor tier
Aggregate foreclosure counts for this geography — recorded notices, upcoming sales and distress weight against population. The filing-level ledger opens at Investor.
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