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 High-density area
- $70,705
- Median income Near-median income area
- $253,100
- Median home value Near-median home value
- 34.2%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 37416 (Chattanooga, TN) rose +4.2% from 2023 to 2024. The all-transactions index moved from 286.6 in 2023 to 298.6 in 2024 (2000 = 100).
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 average Tennessee ZIP), while per-capita income is $39,118. The poverty rate is 12.7%, with unemployment at 5.5%; those measures add context to the income figure. Median home value is $253,100 (2% above the average Tennessee ZIP) and median rent is $1,119; 60.3% of occupied homes are owner-occupied.
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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Hamilton County, so 37416 can be compared with both its immediate and county-level context.
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.
- Retail trade
Retail trade
69 establishments
- Wholesale trade
Wholesale trade
44 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
40 establishments
- Other services (except public administration)
Other services (except public administration)
36 establishments
- Transportation and warehousing
Transportation and warehousing
34 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, 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
Who lives in ZIP 37416?
39.0
Median Age
47.3%
Male
52.7%
Female
7.6%
Foreign-Born
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 ZIP avg
$39,118
Per Capita Income
12.7%
Poverty Rate
5.5%
Unemployment Rate
20.1 min
Mean Commute Time
How ZIP 37416 ranks among Tennessee ZIPs
Chattanooga, TN household income vs. every Tennessee ZIP code
Median household income among 593 reporting Tennessee ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$70,705 Top 33% higher than 67% of 593 Tennessee ZIPs
Each bar is a $20K-wide band; taller bars hold more Tennessee 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
6,522housing units
6,522
Total Housing Units
6,135
Occupied Units
387
Vacant Units
2.26
Avg Household Size
Occupancy Type
$253,100
Median Home Value
+2% vs state ZIP avg
$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.
- 37421
Chattanooga (37421)
46,228 residents
- 37343
Hixson (37343)
40,042 residents
- 37363
Ooltewah (37363)
32,244 residents
- 37415
Chattanooga (37415)
23,873 residents
- 37412
Chattanooga (37412)
20,951 residents
- 37411 17,587
Chattanooga (37411)
17,587 residents
- 37406 14,627
Chattanooga (37406)
14,627 residents
- 37416 14,486
Chattanooga (37416)
14,486 residents
- 37404 13,327
Chattanooga (37404)
13,327 residents
What this shows Among its immediate neighbors, ZIP 37416 ranks #8 by population - useful context the national average alone can't give.
ZIP 37416 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 37363
Ooltewah (37363)
$97,399 median income
- 37421
Chattanooga (37421)
$82,517 median income
- 37343
Hixson (37343)
$82,227 median income
- 37415
Chattanooga (37415)
$70,972 median income
- 37416
Chattanooga (37416)
$70,705 median income
- 37412
Chattanooga (37412)
$62,508 median income
- 37404
Chattanooga (37404)
$56,637 median income
- 37411
Chattanooga (37411)
$56,579 median income
- 37351
Lupton City (37351)
$50,250 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 37416, both outside TN so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (14,486 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Hamilton County
Related Areas
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.
Related
Take this with you
What to do with ZIP 37416's numbers, next.
- See how ZIP 37416 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Chattanooga, TN ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.