PlainZIP

Chattanooga, TN · standard

ZIP Code 37416

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

14,486
492/sq mi
$70,705
Median income
$253,100
Median home value
34.2%
Bachelor's or higher

The verdict

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

48th pct
household income, US ZIPs
Top 42%
home value, US ZIPs
492
people per sq mi
60%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 37416 against every reporting US ZIP.

ZIP code 37416 is a mid-sized community (a standard USPS delivery area) in Chattanooga, Hamilton County, Tennessee, home to 14,486 residents across 29.4 square miles, a density of 492 people per square mile, in the New York time zone.

ZIP 37416 lands in the middle-income range, with a median household income of $70,705 (6% above the Tennessee average), while per-capita income is $39,118. Local economic indicators show a 12.7% poverty rate alongside 5.5% unemployment. Median home value sits at $253,100 (2% above the state average), median rent at $1,119 a month, and owner-occupancy at 60.3%.

A solid share of residents have a four-year degree: 34.2% of adults hold a bachelor's degree or higher, the median age is 39, and the average commute is 20 minutes. To put 37416 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 37416

Top 5 sectors by establishment count in Chattanooga, TN

Which industries have the most business establishments in ZIP 37416.

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 37416, 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

14,486

Population

29.4

Area (sq mi)

492

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 37416?

39.0

Median Age

47.3%

Male

52.7%

Female

7.6%

Foreign-Born

White 48.1%
African American 42.3%
Asian 1.1%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 7.1%
Hispanic or Latino 4.7%

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?

$70,705

Median Household Income

+6% vs state

$39,118

Per Capita Income

12.7%

Poverty Rate

5.5%

Unemployment Rate

20.1 min

Mean Commute Time

How ZIP 37416 ranks nationally

Chattanooga, TN household income vs. every US ZIP code

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

$70,705 48th percentile higher than 48% 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 59.6%
Bachelor's Degree or Higher 34.2%

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

What does housing look like?

6,522

Total Housing Units

6,135

Occupied Units

387

Vacant Units

2.26

Avg Household Size

Occupancy Type

Owner 60.3%
Renter 39.7%

$253,100

Median Home Value

+2% vs state

$1,119

Median Rent

1975

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

+4.2%

YoY Change (2024)

299

HPI Index (2000 = 100)

+199%

Total Change Since 2000

Home values in ZIP 37416 have increased 4.2% over the past year (2024). Since 2000, this ZIP has seen +199% cumulative appreciation.

Year Annual Change HPI Index
2020 +6.7% 182
2021 +15.2% 210
2022 +18.4% 248
2023 +15.5% 287
2024 +4.2% 299

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 415 business establishments in ZIP 37416, employing approximately 16,162 people with a combined annual payroll of $952,709,000.

415

Businesses

16,162

Employees

$952.7M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Retail trade 69 16.6%
Wholesale trade 44 10.6%
Professional, scientific, and technical services 40 9.6%
Other services (except public administration) 36 8.7%
Transportation and warehousing 34 8.2%
Health care and social assistance 34 8.2%
Accommodation and food services 33 8.0%
Construction 23 5.5%
Manufacturing 23 5.5%
Finance and insurance 23 5.5%
Administrative and support and waste management and remediation services 22 5.3%
Real estate and rental and leasing 14 3.4%
Management of companies and enterprises 7 1.7%
Arts, entertainment, and recreation 5 1.2%
Information 4 1.0%

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 37416 vs 37351 →

ZIP 37416 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 37416 ranks #8 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 37416 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 37416 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
37351 Lupton City, TN 390 4.8 mi
37343 Hixson, TN 40,042 4.8 mi
37406 Chattanooga, TN 14,627 4.5 mi
37421 Chattanooga, TN 46,228 5.4 mi
37363 Ooltewah, TN 32,244 6.4 mi
37411 Chattanooga, TN 17,587 5.9 mi
37415 Chattanooga, TN 23,873 6.1 mi
37412 Chattanooga, TN 20,951 7.9 mi
30726 Graysville, GA 56 9.1 mi
37404 Chattanooga, TN 13,327 7.6 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 37416 in? ▼
ZIP code 37416 (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 37416? ▼
ZIP code 37416 in Chattanooga, TN has a population of 14,486 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 37416? ▼
The median household income in ZIP 37416 is $70,705, which is 7% below the national average of $76,288.
What is the average home value in ZIP 37416? ▼
The median home value in ZIP 37416 is $253,100, which is 9% below the national average of $278,155.
What is the demographic makeup of ZIP 37416? ▼
The largest racial group in ZIP 37416 is White at 48.1%. Hispanic or Latino residents make up 4.7% of the population.
How many businesses are in ZIP code 37416? ▼
ZIP code 37416 has 415 business establishments employing approximately 16,162 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 37416? ▼
The top industries by establishment count in ZIP 37416 are: Retail trade (69), Wholesale trade (44), Professional, scientific, and technical services (40). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 37416? ▼
According to the FHFA House Price Index, home values in ZIP 37416 increased by 4.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 199%. 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 37416? ▼
In ZIP code 37416, 59.6% of residents aged 25+ have a high school diploma or higher, and 34.2% 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 37416? ▼
The mean commute time for workers in ZIP code 37416 is 20.1 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 37416? ▼
In ZIP code 37416, approximately 60.3% of occupied housing units are owner-occupied and 39.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 37416? ▼
The poverty rate in ZIP code 37416 is 12.7% 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.