PlainZIP

Chattanooga, TN · standard

ZIP Code 37404

Hamilton County, Tennessee - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

13,327
1,044/sq mi
$56,637
Median income
$255,400
Median home value
33.0%
Bachelor's or higher

The verdict

Chattanooga pairs one of the lowest household incomes in the country with above-median home values, in a low-density, mixed-tenure area.

23th pct
household income, US ZIPs
Top 41%
home value, US ZIPs
1,044
people per sq mi
50%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 37404 against every reporting US ZIP.

ZIP code 37404 is a mid-sized community (a standard USPS delivery area) in Chattanooga, Hamilton County, Tennessee, home to 13,327 residents across 12.8 square miles, a density of 1,044 people per square mile, in the New York time zone.

ZIP 37404 reports a modest median household income of $56,637 (15% below the Tennessee average), while per-capita income is $31,697. Poverty here runs at 23.8%, with unemployment measured at 5.1%. Housing costs here run $255,400 for a typical home value (3% above the state average), with rent averaging $1,094 a month; 50.0% of homes are owner-occupied.

A solid share of residents have a four-year degree: 33.0% of adults hold a bachelor's degree or higher, the median age is 34.5, and the average commute is 17 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Hamilton County, so you can benchmark 37404 against its immediate geography rather than a national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 37404

Top 5 sectors by establishment count in Chattanooga, TN

Which industries have the most business establishments in ZIP 37404.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 37404, Chattanooga, TN · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

13,327

Population

12.8

Area (sq mi)

1,044

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 37404?

34.5

Median Age

49.6%

Male

50.4%

Female

11.8%

Foreign-Born

White 45.0%
African American 35.3%
Asian 0.1%
American Indian or Alaska Native 0.3%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 11.1%
Hispanic or Latino 22.3%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$56,637

Median Household Income

-15% vs state

$31,697

Per Capita Income

23.8%

Poverty Rate

5.1%

Unemployment Rate

16.7 min

Mean Commute Time

How ZIP 37404 ranks nationally

Chattanooga, TN household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$56,637 23rd percentile higher than 23% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 60.4%
Bachelor's Degree or Higher 33.0%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

6,079

Total Housing Units

5,057

Occupied Units

1,022

Vacant Units

2.79

Avg Household Size

Occupancy Type

Owner 50.0%
Renter 50.0%

$255,400

Median Home Value

+3% vs state

$1,094

Median Rent

1947

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+8.0%

YoY Change (2024)

471

HPI Index (2000 = 100)

+371%

Total Change Since 2000

Home values in ZIP 37404 have increased 8.0% over the past year (2024). Since 2000, this ZIP has seen +371% cumulative appreciation.

Year Annual Change HPI Index
2020 +6.8% 273
2021 +15.9% 317
2022 +22.4% 388
2023 +12.5% 436
2024 +8.0% 471

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 457 business establishments in ZIP 37404, employing approximately 11,073 people with a combined annual payroll of $789,939,000.

457

Businesses

11,073

Employees

$789.9M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 129 28.2%
Retail trade 60 13.1%
Other services (except public administration) 49 10.7%
Construction 37 8.1%
Professional, scientific, and technical services 32 7.0%
Wholesale trade 27 5.9%
Accommodation and food services 26 5.7%
Administrative and support and waste management and remediation services 20 4.4%
Manufacturing 17 3.7%
Finance and insurance 15 3.3%
Real estate and rental and leasing 15 3.3%
Educational services 11 2.4%
Information 6 1.3%
Transportation and warehousing 5 1.1%
Management of companies and enterprises 3 0.7%
Arts, entertainment, and recreation 3 0.7%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 37404 vs 37408 →

ZIP 37404 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 37404 ranks #5 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 37404 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 37404 ranks #5 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
37408 Chattanooga, TN 1,486 2.0 mi
37403 Chattanooga, TN 5,811 1.8 mi
37407 Chattanooga, TN 8,932 2.0 mi
37411 Chattanooga, TN 17,587 2.7 mi
37402 Chattanooga, TN 3,917 2.8 mi
37410 Chattanooga, TN 3,886 2.9 mi
37406 Chattanooga, TN 14,627 3.4 mi
37412 Chattanooga, TN 20,951 3.4 mi
30741 Rossville, GA 29,290 5.2 mi
37351 Lupton City, TN 390 5.1 mi

More ZIP Codes in Hamilton County

37421 standard
Chattanooga, TN
Pop: 46,228
37343 standard
Hixson, TN
Pop: 40,042
37363 standard
Ooltewah, TN
Pop: 32,244
37379 standard
Soddy Daisy, TN
Pop: 26,835
37415 standard
Chattanooga, TN
Pop: 23,873
37412 standard
Chattanooga, TN
Pop: 20,951

Related Areas

Hamilton County Chattanooga, TN Tennessee

Frequently Asked Questions

What county is ZIP code 37404 in? ▼
ZIP code 37404 (Chattanooga) is located in Hamilton County, Tennessee. Hamilton County contains multiple ZIP codes, see the full list at /counties/hamilton-tn.
What is the population of ZIP code 37404? ▼
ZIP code 37404 in Chattanooga, TN has a population of 13,327 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 37404? ▼
The median household income in ZIP 37404 is $56,637, which is 26% below the national average of $76,288.
What is the average home value in ZIP 37404? ▼
The median home value in ZIP 37404 is $255,400, which is 8% below the national average of $278,155.
What is the demographic makeup of ZIP 37404? ▼
The largest racial group in ZIP 37404 is White at 45.0%. Hispanic or Latino residents make up 22.3% of the population.
How many businesses are in ZIP code 37404? ▼
ZIP code 37404 has 457 business establishments employing approximately 11,073 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 37404? ▼
The top industries by establishment count in ZIP 37404 are: Health care and social assistance (129), Retail trade (60), Other services (except public administration) (49). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 37404? ▼
According to the FHFA House Price Index, home values in ZIP 37404 increased by 8.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 371%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 37404? ▼
In ZIP code 37404, 60.4% of residents aged 25+ have a high school diploma or higher, and 33.0% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 37404? ▼
The mean commute time for workers in ZIP code 37404 is 16.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 37404? ▼
In ZIP code 37404, approximately 50.0% of occupied housing units are owner-occupied and 50.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 37404? ▼
The poverty rate in ZIP code 37404 is 23.8% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.