PlainZIP

Chattanooga, TN · standard

ZIP Code 37412

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

20,951
926/sq mi
$62,508
Median income
$209,900
Median home value
24.5%
Bachelor's or higher

The verdict

Chattanooga pairs a below-median household income with below-median home values, in a low-density, mixed-tenure area.

34th pct
household income, US ZIPs
46th pct
home value, US ZIPs
926
people per sq mi
58%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 37412 against every reporting US ZIP.

ZIP code 37412 is a densely settled ZIP (a standard USPS delivery area) in Chattanooga, Hamilton County, Tennessee, with 20,951 residents across 22.6 square miles, a density of 926 people per square mile, in the New York time zone.

ZIP 37412 reports a modest median household income of $62,508 (6% below the Tennessee average), while per-capita income is $35,603. Local economic indicators show a 13.1% poverty rate alongside 5.2% unemployment. On housing, the median home value is $209,900 (15% below the state average) with median rent at $1,154 per month, and 57.7% of occupied units are owner-occupied.

Educational attainment sits below the national norm: 24.5% of adults hold a bachelor's degree or higher, the median age is 37.4, and the average commute is 21 minutes. Beyond these figures, 10 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Hamilton County, letting you compare 37412 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 37412

Top 5 sectors by establishment count in Chattanooga, TN

Which industries have the most business establishments in ZIP 37412.

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 37412, 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

20,951

Population

22.6

Area (sq mi)

926

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 37412?

37.4

Median Age

48.7%

Male

51.3%

Female

9.8%

Foreign-Born

White 73.0%
African American 10.5%
Asian 1.6%
American Indian or Alaska Native 0.6%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 8.1%
Hispanic or Latino 16.6%

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?

$62,508

Median Household Income

-6% vs state

$35,603

Per Capita Income

13.1%

Poverty Rate

5.2%

Unemployment Rate

20.8 min

Mean Commute Time

How ZIP 37412 ranks nationally

Chattanooga, TN household income vs. every US ZIP code

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

$62,508 34th percentile higher than 34% 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 52.3%
Bachelor's Degree or Higher 24.5%

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

What does housing look like?

10,347

Total Housing Units

9,505

Occupied Units

842

Vacant Units

2.28

Avg Household Size

Occupancy Type

Owner 57.7%
Renter 42.3%

$209,900

Median Home Value

-15% vs state

$1,154

Median Rent

1964

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

+8.2%

YoY Change (2024)

290

HPI Index (2000 = 100)

+190%

Total Change Since 2000

Home values in ZIP 37412 have increased 8.2% over the past year (2024). Since 2000, this ZIP has seen +190% cumulative appreciation.

Year Annual Change HPI Index
2020 +8.9% 176
2021 +14.4% 201
2022 +22.7% 247
2023 +8.3% 268
2024 +8.2% 290

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 455 business establishments in ZIP 37412, employing approximately 6,491 people with a combined annual payroll of $243,866,000.

455

Businesses

6,491

Employees

$243.9M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Retail trade 91 20.0%
Accommodation and food services 66 14.5%
Other services (except public administration) 55 12.1%
Health care and social assistance 49 10.8%
Finance and insurance 37 8.1%
Construction 36 7.9%
Administrative and support and waste management and remediation services 24 5.3%
Real estate and rental and leasing 19 4.2%
Professional, scientific, and technical services 19 4.2%
Manufacturing 14 3.1%
Transportation and warehousing 13 2.9%
Wholesale trade 12 2.6%
Educational services 7 1.5%
Information 5 1.1%
Arts, entertainment, and recreation 4 0.9%
Management of companies and enterprises 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 37412 vs 37411 →

ZIP 37412 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 37412 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 37412 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 37412 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
37411 Chattanooga, TN 17,587 2.2 mi
30742 Fort Oglethorpe, GA 7,460 3.4 mi
37407 Chattanooga, TN 8,932 3.5 mi
37404 Chattanooga, TN 13,327 3.4 mi
37410 Chattanooga, TN 3,886 4.9 mi
37406 Chattanooga, TN 14,627 5.3 mi
30741 Rossville, GA 29,290 4.4 mi
37421 Chattanooga, TN 46,228 4.8 mi
30726 Graysville, GA 56 5.2 mi
37408 Chattanooga, TN 1,486 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
37411 standard
Chattanooga, TN
Pop: 17,587

Related Areas

Hamilton County Chattanooga, TN Tennessee

Frequently Asked Questions

What county is ZIP code 37412 in? ▼
ZIP code 37412 (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 37412? ▼
ZIP code 37412 in Chattanooga, TN has a population of 20,951 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 37412? ▼
The median household income in ZIP 37412 is $62,508, which is 18% below the national average of $76,288.
What is the average home value in ZIP 37412? ▼
The median home value in ZIP 37412 is $209,900, which is 25% below the national average of $278,155.
What is the demographic makeup of ZIP 37412? ▼
The largest racial group in ZIP 37412 is White at 73.0%. Hispanic or Latino residents make up 16.6% of the population.
How many businesses are in ZIP code 37412? ▼
ZIP code 37412 has 455 business establishments employing approximately 6,491 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 37412? ▼
The top industries by establishment count in ZIP 37412 are: Retail trade (91), Accommodation and food services (66), Other services (except public administration) (55). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 37412? ▼
According to the FHFA House Price Index, home values in ZIP 37412 increased by 8.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 190%. 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 37412? ▼
In ZIP code 37412, 52.3% of residents aged 25+ have a high school diploma or higher, and 24.5% 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 37412? ▼
The mean commute time for workers in ZIP code 37412 is 20.8 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 37412? ▼
In ZIP code 37412, approximately 57.7% of occupied housing units are owner-occupied and 42.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 37412? ▼
The poverty rate in ZIP code 37412 is 13.1% 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.