TN/Hamilton County/CHATTANOOGA
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CHATTANOOGA, TN
CitySAFMR
Hamilton County
Found 20 ZIPs
Zillow
BRFMR
Eff. Rent
0 BR$960 – $1,590▼$910 – $1,290
1 BR$1,000 – $1,660▼$1,000 – $1,510
2 BR$1,100 – $1,830▼$1,100 – $1,670
3 BR$1,370 – $2,280▼$1,370 – $2,220
4 BR$1,470 – $2,440▼$1,470 – $2,440
5 BR$2,266▼—
6 BR$2,605▼—
7 BR$2,996▼—
8 BR$3,446▼—

Market Alignment

How HUD fair market rents align with the state of the rental market.

Studio
Studio· 2 ZIPs
0.81–0.83ratio range
Median FMR$1,030
Median Market$1,250
vs market-$220

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

2
Studio· 4 ZIPs
0.91ratio range
Median FMR$1,290
Median Market$1,420
vs market-$130

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

4
Studio· 1 ZIP
0.96ratio
FMR$1,050
Market$1,090
vs market-$40

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

Studio· 1 ZIP
0.99ratio
FMR$1,030
Market$1,040
vs market-$10

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

Studio· 2 ZIPs
1.02–1.03ratio range
Median FMR$1,290
Median Market$1,255
vs market+$35

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

2
Studio· 2 ZIPs
1.09ratio range
Median FMR$1,190
Median Market$1,090
vs market+$100

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

2
Studio· 1 ZIP
1.10ratio
FMR$1,180
Market$1,070
vs market+$110

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

Studio· 1 ZIP
1.18ratio
FMR$1,130
Market$960
vs market+$170

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

Studio· 3 ZIPs
1.21–1.24ratio range
Median FMR$1,440
Median Market$1,160
vs market+$280

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

3
Studio· 3 ZIPs
1.45–1.52ratio range
Median FMR$1,500
Median Market$1,030
vs market+$470

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

3
0.81–1.52
1 BR
1 BR· 2 ZIPs
0.76–0.77ratio range
Median FMR$1,075
Median Market$1,410
vs market-$335

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

1 BR· 1 ZIP
0.85ratio
FMR$1,380
Market$1,620
vs market-$240

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

1 BR· 1 ZIP
0.92ratio
FMR$1,320
Market$1,440
vs market-$120

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

1 BR· 2 ZIPs
0.96–0.97ratio range
Median FMR$1,290
Median Market$1,330
vs market-$40

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

1 BR· 6 ZIPs
1.00–1.01ratio range
Median FMR$1,340
Median Market$1,330
vs market+$10

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

6
1 BR· 1 ZIP
1.03ratio
FMR$1,340
Market$1,300
vs market+$40

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

1 BR· 4 ZIPs
1.07–1.09ratio range
Median FMR$1,230
Median Market$1,135
vs market+$95

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

4
1 BR· 2 ZIPs
1.15–1.18ratio range
Median FMR$1,550
Median Market$1,330
vs market+$220

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

1 BR· 1 ZIP
1.33ratio
FMR$1,560
Market$1,170
vs market+$390

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

0.76–1.33
2 BR
2 BR· 2 ZIPs
0.71ratio range
Median FMR$1,180
Median Market$1,665
vs market-$485

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

2 BR· 3 ZIPs
0.83–0.86ratio range
Median FMR$1,300
Median Market$1,570
vs market-$270

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

3
2 BR· 1 ZIP
0.89ratio
FMR$1,450
Market$1,630
vs market-$180

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

2 BR· 5 ZIPs
0.93–0.94ratio range
Median FMR$1,480
Median Market$1,600
vs market-$120

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

5
2 BR· 3 ZIPs
0.94–0.97ratio range
Median FMR$1,390
Median Market$1,440
vs market-$50

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

3
2 BR· 1 ZIP
1.03ratio
FMR$1,200
Market$1,160
vs market+$40

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

2 BR· 5 ZIPs
1.06–1.10ratio range
Median FMR$1,580
Median Market$1,470
vs market+$110

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

5
0.71–1.10
3 BR
3 BR· 3 ZIPs
0.71–0.73ratio range
Median FMR$1,570
Median Market$2,220
vs market-$650

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

3
3 BR· 3 ZIPs
0.82–0.83ratio range
Median FMR$1,620
Median Market$1,970
vs market-$350

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

3
3 BR· 2 ZIPs
0.89–0.90ratio range
Median FMR$1,655
Median Market$1,850
vs market-$195

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

3 BR· 3 ZIPs
0.90–0.94ratio range
Median FMR$2,060
Median Market$2,200
vs market-$140

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

3
3 BR· 6 ZIPs
0.95–0.97ratio range
Median FMR$1,850
Median Market$1,900
vs market-$50

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

6
3 BR· 1 ZIP
1.01ratio
FMR$1,850
Market$1,840
vs market+$10

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

3 BR· 1 ZIP
1.03ratio
FMR$2,280
Market$2,220
vs market+$60

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

3 BR· 1 ZIP
1.09ratio
FMR$2,150
Market$1,970
vs market+$180

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

0.71–1.09
4 BR
4 BR· 3 ZIPs
0.56–0.63ratio range
Median FMR$1,680
Median Market$2,990
vs market-$1,310

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

4 BR· 7 ZIPs
0.75–0.77ratio range
Median FMR$1,970
Median Market$2,560
vs market-$590

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

7
4 BR· 1 ZIP
0.78ratio
FMR$1,730
Market$2,220
vs market-$490

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

4 BR· 2 ZIPs
0.84ratio range
Median FMR$1,840
Median Market$2,185
vs market-$345

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

4 BR· 5 ZIPs
0.88–0.89ratio range
Median FMR$1,810
Median Market$2,050
vs market-$240

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

5
4 BR· 1 ZIP
0.92ratio
FMR$1,850
Market$2,020
vs market-$170

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

4 BR· 1 ZIP
0.97ratio
FMR$2,440
Market$2,520
vs market-$80

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

0.56–0.97
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

Bedroom curve

Historical
See FMR progression in recent years

Data indexed

FMR
FY2026
Market rent
last ~365 days

ZIP Codes

Ranked by Investment Score (vs area median)

About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for CHATTANOOGA, TN (TN) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled SAFMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.

What is FMR?What is SAFMR?Data sourcesIncomplete geosView county page
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