PlainZIP

Chattanooga, TN · standard

ZIP Code 37405

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

14,597
102/sq mi
$81,337
Median income
$460,600
Median home value
53.3%
Bachelor's or higher

The verdict

Chattanooga pairs an above-median household income with upper-quartile home values, in a rural, mixed-tenure area.

Top 36%
household income, US ZIPs
Top 15%
home value, US ZIPs
102
people per sq mi
49%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 37405 against every reporting US ZIP.

ZIP code 37405 is a mid-sized community (a standard USPS delivery area) in Chattanooga, Hamilton County, Tennessee, home to 14,597 residents across 143.8 square miles, a density of 102 people per square mile, in the Chicago time zone.

ZIP 37405 lands in the middle-income range, with a median household income of $81,337 (22% above the Tennessee average), while per-capita income is $71,405. The poverty rate stands at 13.4% and the unemployment rate at 3.4%. Housing costs here run $460,600 for a typical home value (86% above the state average), with rent averaging $1,438 a month; 48.7% of homes are owner-occupied.

This is a highly-educated ZIP: 53.3% of adults hold a bachelor's degree or higher, the median age is 36.7, and the average commute is 18 minutes. To put 37405 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Hamilton County, for a geography-aware comparison.

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 37405

Top 5 sectors by establishment count in Chattanooga, TN

Which industries have the most business establishments in ZIP 37405.

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 37405, 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

14,597

Population

143.8

Area (sq mi)

102

People / sq mi

Chicago

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 37405?

36.7

Median Age

49.2%

Male

50.8%

Female

5.1%

Foreign-Born

White 80.8%
African American 4.1%
Asian 2.9%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 11.0%
Hispanic or Latino 4.6%

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?

$81,337

Median Household Income

+22% vs state

$71,405

Per Capita Income

13.4%

Poverty Rate

3.4%

Unemployment Rate

17.7 min

Mean Commute Time

How ZIP 37405 ranks nationally

Chattanooga, TN household income vs. every US ZIP code

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

$81,337 Top 36% higher than 64% 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%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $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 71.1%
Bachelor's Degree or Higher 53.3%

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

What does housing look like?

9,796

Total Housing Units

8,620

Occupied Units

1,176

Vacant Units

2.03

Avg Household Size

Occupancy Type

Owner 48.7%
Renter 51.3%

$460,600

Median Home Value

+86% vs state

$1,438

Median Rent

1981

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

+6.9%

YoY Change (2024)

398

HPI Index (2000 = 100)

+298%

Total Change Since 2000

Home values in ZIP 37405 have increased 6.9% over the past year (2024). Since 2000, this ZIP has seen +298% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.2% 261
2021 +13.0% 295
2022 +17.6% 346
2023 +7.5% 372
2024 +6.9% 398

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 633 business establishments in ZIP 37405, employing approximately 11,404 people with a combined annual payroll of $626,094,000.

633

Businesses

11,404

Employees

$626.1M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Retail trade 88 13.9%
Accommodation and food services 77 12.2%
Professional, scientific, and technical services 76 12.0%
Other services (except public administration) 73 11.5%
Health care and social assistance 58 9.2%
Real estate and rental and leasing 41 6.5%
Construction 37 5.8%
Finance and insurance 36 5.7%
Manufacturing 31 4.9%
Wholesale trade 26 4.1%
Administrative and support and waste management and remediation services 25 4.0%
Transportation and warehousing 20 3.2%
Arts, entertainment, and recreation 16 2.5%
Information 15 2.4%
Educational services 11 1.7%

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 37405 vs 37419 →

ZIP 37405 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 37405 ranks #3 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 37405 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 37405 ranks #3 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
37419 Chattanooga, TN 6,100 5.7 mi
37415 Chattanooga, TN 23,873 7.1 mi
37377 Signal Mountain, TN 15,310 7.2 mi
37351 Lupton City, TN 390 8.3 mi
37402 Chattanooga, TN 3,917 7.3 mi
37409 Chattanooga, TN 2,851 9.0 mi
37350 Lookout Mountain, TN 1,866 9.4 mi
37403 Chattanooga, TN 5,811 8.1 mi
37408 Chattanooga, TN 1,486 8.5 mi
37397 Whitwell, TN 10,127 9.1 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 37405 in? ▼
ZIP code 37405 (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 37405? ▼
ZIP code 37405 in Chattanooga, TN has a population of 14,597 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 37405? ▼
The median household income in ZIP 37405 is $81,337, which is 7% above the national average of $76,288.
What is the average home value in ZIP 37405? ▼
The median home value in ZIP 37405 is $460,600, which is 66% above the national average of $278,155.
What is the demographic makeup of ZIP 37405? ▼
The largest racial group in ZIP 37405 is White at 80.8%. Hispanic or Latino residents make up 4.6% of the population.
How many businesses are in ZIP code 37405? ▼
ZIP code 37405 has 633 business establishments employing approximately 11,404 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 37405? ▼
The top industries by establishment count in ZIP 37405 are: Retail trade (88), Accommodation and food services (77), Professional, scientific, and technical services (76). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 37405? ▼
According to the FHFA House Price Index, home values in ZIP 37405 increased by 6.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 298%. 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 37405? ▼
In ZIP code 37405, 71.1% of residents aged 25+ have a high school diploma or higher, and 53.3% 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 37405? ▼
The mean commute time for workers in ZIP code 37405 is 17.7 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 37405? ▼
In ZIP code 37405, approximately 48.7% of occupied housing units are owner-occupied and 51.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 37405? ▼
The poverty rate in ZIP code 37405 is 13.4% 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.