PlainZIP

Chattanooga, TN · standard

ZIP Code 37409

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

2,851
251/sq mi
$74,754
Median income
$267,400
Median home value
53.7%
Bachelor's or higher

The verdict

Chattanooga pairs an above-median household income with above-median home values, in a low-density, homeowner-dominated area.

Top 45%
household income, US ZIPs
Top 39%
home value, US ZIPs
251
people per sq mi
61%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 37409 against every reporting US ZIP.

ZIP code 37409 covers 11.4 square miles in Chattanooga, Hamilton County, Tennessee (a standard USPS delivery area), with a modest 2,851 residents on file, a density of 251 people per square mile, in the New York time zone.

ZIP 37409 lands in the middle-income range, with a median household income of $74,754 (12% above the Tennessee average), while per-capita income is $39,221. Poverty here runs at 28.2%, with unemployment measured at 14.5%. The typical home here is valued at $267,400 (8% above the state average); renters pay a median of $1,341 monthly, and 61.0% of units are owner-occupied.

This is a highly-educated ZIP: 53.7% of adults hold a bachelor's degree or higher, the median age is 35.5, and the average commute is -. Beyond these figures, 10 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Hamilton County, letting you compare 37409 to its immediate surroundings rather than a national baseline 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 37409

Top 5 sectors by establishment count in Chattanooga, TN

Which industries have the most business establishments in ZIP 37409.

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 37409, 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

2,851

Population

11.4

Area (sq mi)

251

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 37409?

35.5

Median Age

50.3%

Male

49.7%

Female

8.1%

Foreign-Born

White 70.7%
African American 14.9%
Asian 5.1%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.1%
Hispanic or Latino 4.9%

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?

$74,754

Median Household Income

+12% vs state

$39,221

Per Capita Income

28.2%

Poverty Rate

14.5%

Unemployment Rate

How ZIP 37409 ranks nationally

Chattanooga, TN household income vs. every US ZIP code

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

$74,754 Top 45% higher than 55% 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%). This entry sits in this band. $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 71.9%
Bachelor's Degree or Higher 53.7%

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

What does housing look like?

1,722

Total Housing Units

1,553

Occupied Units

169

Vacant Units

2.16

Avg Household Size

Occupancy Type

Owner 61.0%
Renter 39.0%

$267,400

Median Home Value

+8% vs state

$1,341

Median Rent

1941

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

+10.3%

YoY Change (2024)

618

HPI Index (2000 = 100)

+518%

Total Change Since 2000

Home values in ZIP 37409 have increased 10.3% over the past year (2024). Since 2000, this ZIP has seen +518% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.0% 341
2021 +16.9% 398
2022 +21.1% 482
2023 +16.2% 560
2024 +10.3% 618

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 130 business establishments in ZIP 37409, employing approximately 2,765 people with a combined annual payroll of $215,505,000.

130

Businesses

2,765

Employees

$215.5M

Annual Payroll

12

Industry Sectors

Industry Establishments % of Total
Other services (except public administration) 21 16.1%
Health care and social assistance 14 10.8%
Retail trade 13 10.0%
Professional, scientific, and technical services 13 10.0%
Construction 12 9.2%
Accommodation and food services 10 7.7%
Manufacturing 9 6.9%
Wholesale trade 9 6.9%
Finance and insurance 9 6.9%
Administrative and support and waste management and remediation services 8 6.2%
Educational services 5 3.9%
Real estate and rental and leasing 3 2.3%

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 37409 vs 37350 →

ZIP 37409 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 37409 ranks #9 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 37409 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 37409 ranks #6 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
37350 Lookout Mountain, TN 1,866 0.6 mi
37410 Chattanooga, TN 3,886 1.7 mi
37407 Chattanooga, TN 8,932 3.1 mi
37408 Chattanooga, TN 1,486 2.8 mi
37402 Chattanooga, TN 3,917 3.2 mi
30725 Flintstone, GA 4,647 5.4 mi
37403 Chattanooga, TN 5,811 4.2 mi
37404 Chattanooga, TN 13,327 4.4 mi
37419 Chattanooga, TN 6,100 4.4 mi
30750 Lookout Mountain, GA 4,125 4.9 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 37409 in? ▼
ZIP code 37409 (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 37409? ▼
ZIP code 37409 in Chattanooga, TN has a population of 2,851 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 37409? ▼
The median household income in ZIP 37409 is $74,754, which is 2% below the national average of $76,288.
What is the average home value in ZIP 37409? ▼
The median home value in ZIP 37409 is $267,400, which is 4% below the national average of $278,155.
What is the demographic makeup of ZIP 37409? ▼
The largest racial group in ZIP 37409 is White at 70.7%. Hispanic or Latino residents make up 4.9% of the population.
How many businesses are in ZIP code 37409? ▼
ZIP code 37409 has 130 business establishments employing approximately 2,765 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 37409? ▼
The top industries by establishment count in ZIP 37409 are: Other services (except public administration) (21), Health care and social assistance (14), Retail trade (13). There are 12 industry sectors represented in total.
How have home values changed in ZIP code 37409? ▼
According to the FHFA House Price Index, home values in ZIP 37409 increased by 10.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 518%. 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 37409? ▼
In ZIP code 37409, 71.9% of residents aged 25+ have a high school diploma or higher, and 53.7% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 37409? ▼
In ZIP code 37409, approximately 61.0% of occupied housing units are owner-occupied and 39.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 37409? ▼
The poverty rate in ZIP code 37409 is 28.2% 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.