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 37416 — Chattanooga
The 37416 housing market is showing signs of stabilization after a period of rapid appreciation, with a slight year-over-year price correction. Demand remains supported by the area's proximity to major industrial employers and recreational amenities, keeping inventory levels relatively tight.
This area is well-suited for families and commuters seeking a balance between suburban living and proximity to major Chattanooga employment centers. It also attracts investors interested in properties near the lake and industrial corridors.
Median prices moved down 1.4% year over year.
Homes spend a median of 37 days on market with 3.2 months of supply — a fast-moving market.
15% of listings have cut prices · homes sell at 98.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.5% · poverty 12.7% — 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 8.1%/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 6.7%/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 37416, Hamilton County TN
Crime rates in the area are generally consistent with broader Chattanooga trends, with localized variations in property crime. Law enforcement presence is maintained through regional coverage.
Schools serving the area are part of the Hamilton County School District, which offers a mix of public options with varying performance ratings.
The area is situated near Chickamauga Lake, necessitating awareness of flood zone designations for waterfront properties. Standard regional insurance policies cover typical wind and storm risks.
Economic momentum is driven by proximity to major industrial anchors like the Volkswagen Chattanooga plant and Amazon distribution facilities. Infrastructure improvements continue to support the corridor's accessibility.
Property taxes are assessed by Hamilton County based on appraised values, with no state-level personal income tax on wages. Local jurisdictions set specific millage rates that fund municipal services and school districts.
Residents benefit from proximity to major transit corridors, allowing for a relatively short average commute to downtown Chattanooga and nearby industrial employment hubs.
The area features significant access to Chickamauga Lake for water-based recreation, alongside local golf courses and proximity to regional shopping districts.
The rental market remains stable with moderate vacancy pressure, supported by demand from workers at nearby industrial and logistics hubs.
The local economy is anchored by manufacturing, logistics, and distribution, with major employers including Volkswagen and Amazon.
The area is served by major highway arteries providing direct access to the Chattanooga metropolitan core.
Ongoing infrastructure projects focus on improving traffic flow along the Kings Road corridor and surrounding industrial access points.
Hamilton County Assessor of Property manages the appraisal cycle, typically conducting reappraisals on a multi-year schedule.
Parcels are subject to Hamilton County property taxes and fall under the jurisdiction of the Hamilton County School District.
Property insurance premiums are influenced by regional weather patterns, including storm and wind risks common to the Tennessee Valley.
Data retrieved from Census Reporter and US Census Bureau ZCTA profiles.
Major recreational hub for boating, fishing, and water sports.
Several established courses serve the immediate corridor.
Deterministic aggregate of 1 researched property in this ZIP (latest reading each) — each property weighs one; per point, properties lacking the value are excluded. Property-level records (taxes, scores, permits) never roll individually.
No county-record distress flags across 1 researched property on the ARED base layer. Key-figure check: median price diverges 70.3% from the nearest retained anchor (researched-property base layer) — beyond the 12.5% tolerance; an automated validation case is open and the value publishes pending its verdict.
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 37416 yet. Counties ingest on the scheduled rotation — absence here reads as no recorded notices, not as verified zero distress.