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 37421 — Chattanooga
The 37421 housing market is experiencing a period of price stabilization following years of rapid appreciation. While inventory levels have increased, demand remains supported by the area's strong employment base and suburban appeal, leading to a balanced market environment.
This ZIP is ideal for families and professionals seeking suburban living with convenient access to major retail hubs and highway corridors, offering a balance of established neighborhoods and newer construction.
Median prices moved down 4.7% year over year.
Homes spend a median of 48 days on market with 4.2 months of supply — a fast-moving market.
18% 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 3.5% · poverty 10.9% — 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 6.4%/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 37421, Hamilton County TN
Crime rates in the 37421 area are generally consistent with suburban Chattanooga averages, though property crime remains a primary focus for local law enforcement.
The area is served by Hamilton County Schools, with several schools maintaining average to above-average performance ratings within the district.
The region faces moderate risks from severe thunderstorms and occasional flooding in low-lying areas, with standard insurance requirements for homeowners.
The area benefits from proximity to the Hamilton Place commercial district and ongoing residential development, supported by major regional employers in healthcare and logistics.
Property taxes are assessed by Hamilton County based on a state-mandated appraisal ratio, with additional municipal taxes levied by the City of Chattanooga.
Residents typically face a 20-30 minute commute to downtown Chattanooga via I-75 and Highway 153, with traffic congestion common during peak hours.
The ZIP features access to local parks like Enterprise South Nature Park and proximity to Hamilton Place Mall for extensive shopping and dining options.
The rental market is competitive with a mix of single-family homes and apartment complexes, showing stable demand and moderate vacancy pressure.
The local economy is anchored by healthcare, logistics, and retail sectors, with significant employment hubs located along the I-75 corridor.
The area is heavily reliant on personal vehicles, with I-75 serving as the primary artery for regional transit and commuting.
Ongoing development focuses on mixed-use residential projects and infrastructure improvements to support the growing suburban population.
The Hamilton County Assessor of Property manages assessments, with reappraisals conducted on a multi-year cycle to reflect market value changes.
Parcels are subject to Hamilton County and City of Chattanooga tax jurisdictions, with specific utility districts providing water and sewer services.
Property insurance premiums are influenced by regional weather patterns, with standard coverage for wind and hail being common requirements.
Tennessee continues to see positive net domestic migration, with the Chattanooga MSA attracting residents from higher-cost urban centers.
Tennessee is a non-judicial foreclosure state, allowing for relatively efficient processing of defaults under the deed of trust.
Sellers are required to provide a residential property disclosure statement, though many transactions are sold 'as-is' with buyer due diligence.
Data retrieved from data.census.gov ZCTA-level tables.
Large nature preserve with extensive hiking and biking trails.
Major regional shopping destination serving the Chattanooga area.
Multi-use park with sports fields and event facilities.
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.
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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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