Neighborhood
North Chattanooga
Chattanooga, Tennessee US
North Chattanooga in Chattanooga, Tennessee presents a higher-priced investment profile with a gross yield of 4.0 and price trend up 4.8% over the past year. Pricing sits about 54% above Chattanooga and 35% above Tennessee, indicating a premium versus both benchmarks. It pairs walkability of 84 with education in the 35th percentile and a Red Flag score of 69, so the access profile is strong while the risk reading is elevated.
AI Summary•Updated May 2026
Area
14.25 mi²
ZIP Code
37405
County
Hamilton County
State
Tennessee
Redfin — median sale & volumeZillow ZORI — asking rentFEMA National Risk Index v1.20OpenStreetMap — POIFBI UCR — state crimeEPA — radon zonesWashU ACAG — satellite PM2.5EPA FRS / BTS — hazard screeningUS Census ACS / TIGER 2024
Verified Price · Median Sale
$469,860
YoY+4.8%
Gross Rental Yield
4.0%
Listed rent · ZORI annualized
Red Flag Index
High
69 / 100
Walkability Score
84
OpenStreetMap POI density · national percentile
Education Score
35 / 100
Pre-pandemic SEDA (2018/19) · district proxy
AI Score
44
DistrictScore attractiveness · national model
North Chattanooga Property Prices & Rental Yield
Verified Redfin sale data and Zillow ZORI asking rent for North Chattanooga, Chattanooga.
Unlock the North Chattanooga 12-month price trend
See the full Verified vs Listed price history — free with a DistrictScore account.
Sign in to view — freeMarket Economics Snapshot
May 2026| Metric | Value | YoY |
|---|---|---|
| Median Sale Price | $469,860 | +4.8% |
| Price / Sq Ft (Verified) | $288/sqft | +1.9% |
| Asking Rent (Median) | $1,564/mo | +0.5% |
| Gross Rental Yield | 4.0% | — |
| Liquidity Score | 33 / 100 | Moderate |
| Homes Sold (Period) | 102 | -10.5% |
Is North Chattanooga Safe? Natural-Hazard Risk
FEMA National Risk Index composite across eight hazards, plus inherited Tennessee crime context.
Unlock the North Chattanooga hazard breakdown
See all eight FEMA hazard scores — free with a DistrictScore account.
Sign in to view — free What Stands Out AI Insight
Appreciating market — +4.8% sale-price YoY
Highly walkable neighborhood — score 84/100
Active transaction volume — 102 homes sold last period
Dense amenities — 135 dining & 15 grocery options nearby
Tornado risk is Very High (100/100)
Flood risk is Very High (80/100)
Insights are generated from North Chattanooga's live DistrictScore metrics.
North Chattanooga Environment & Safety
Satellite PM2.5 air-quality history, FBI UCR crime trend (Tennessee-level, the finest official aggregation), EPA radon potential and point-source hazard screening.
Air Quality — PM2.5
2015–20245.3 µg/m³ Meets EPA, above WHO guideline-18.2% since 2015
EPA 9WHO 5
20152024
Annual mean fine-particle (PM2.5) concentration at the North Chattanooga centroid, satellite-derived (ACAG). References: WHO guideline 5 µg/m³ · EPA annual standard 9 µg/m³. Latest year ranks worse than 25% of U.S. neighborhoods.
Tennessee Crime Trend
FBI UCR20132024
All crimes / 1k
Violent / 1k
| Year | Crimes / 1k | Violent / 1k | YoY |
|---|---|---|---|
| 2024 | 26.2 | 5.9 | -11.8% |
| 2023 | 30.1 | 6.4 | +2.8% |
| 2022 | 29.7 | 6.4 | +2.6% |
| 2021 | 29.3 | 6.7 | -6.4% |
| 2020 | 31.7 | 6.7 | -2.1% |
| 2019 | 32.6 | 6.0 | — |
Reported at the state level — the finest official US crime aggregation; North Chattanooga inherits the Tennessee figures.
Radon Potential
EPAZone 2
Zone 2 — Moderate potential · North Chattanooga
EPA radon zones estimate indoor radon potential county-wide (Zone 1 highest, Zone 3 lowest). Testing is recommended in all zones.
Environmental Hazards
EPA / BTSSuperfund (NPL)0.1 kmVery High
Industrial odor36 nearbyVery High
Point-source screening near North Chattanooga: EPA Superfund National Priorities List & Facility Registry (2026), BTS aviation noise (2020, 24-hour average level). Superfund shows distance to the nearest listed site; odor shows detected sources within the screening radius. Only detected sources are listed; the bar shows severity vs. all U.S. neighborhoods.
Walkability & Amenities in North Chattanooga
Amenity density and pedestrian access from OpenStreetMap points of interest.
Walkability & Amenities
OpenStreetMap POI84
Very Walkable
Walkability Score
15
Grocery
135
Dining
18
Schools
4
Universities
6
Hospitals
3
Pharmacies
40
Parks
2
Rail Transit
0
Coworking
POI counts are amenities within North Chattanooga's boundary plus a 400 m walk buffer. Rail transit excludes bus stops.
North Chattanooga vs Chattanooga vs Tennessee
How North Chattanooga benchmarks against its city and state medians.
Unlock the North Chattanooga benchmark
Compare North Chattanooga against Chattanooga and Tennessee medians — free with a DistrictScore account.
Sign in to view — freeBuying Property in the US as a Foreigner
Federal & Tennessee tax facts for non-resident buyers, plus the latest local market news.
Buying as a Foreigner
US Tax & OwnershipApplies to everyone7
Capital Gains (Federal)
Long-term capital gains taxed federally at 0/15/20%, plus a 3.8% Net Investment Income Tax on higher incomes (2026).
Property Tax
Property tax: ~0.46% average effective rate (statewide average; set and collected locally).
State Income Tax
No state income tax — rental income is not taxed at the state level.
State Capital Gains
No state capital gains tax.
Transfer Tax
Real estate transfer tax: 0.37%.
Assessment Cap
No Proposition 13-style assessment cap; property is reassessed at market value.
Mansion Tax / Rent Control
No statewide mansion tax or statewide rent control.
US citizens & tax residents6
Primary-Home Exclusion
Selling your main home: exclude up to $250k of gain (single) / $500k (married) if you owned and lived there 2 of the last 5 years.
1031 Like-Kind Exchange
A 1031 like-kind exchange defers capital gains tax on investment property; 45 days to identify, 180 to close. Real estate only.
Depreciation Recapture
Residential rentals depreciate over 27.5 years; on sale, recaptured depreciation is taxed up to 25% (Section 1250).
Mortgage Interest Deduction
Mortgage interest is deductible on up to $750k of home debt. The SALT cap rose to $40,000 for 2025-2029 (reverts to $10k in 2030).
Opportunity Zones
Opportunity Zones are now permanent (2025): reinvested capital gains get deferral plus a basis step-up, and are tax-free after 10 years.
Rental Income (Resident)
Rental income is reported on Schedule E; passive-loss rules (Section 469) limit deducting rental losses against other income.
Foreign buyers (non-residents)5
FIRPTA (Foreign Sellers)
FIRPTA: the buyer withholds 15% of the gross sale price when a nonresident sells US property. It is an advance deposit, not the final tax.
Non-Resident Capital Gains
Nonresident sellers pay US capital gains tax (generally 15-20%) on the net gain via Form 1040-NR; FIRPTA withholding is credited.
Non-Resident Rental Tax
Nonresident rental income is taxed at 30% of gross by default, or on net income at graduated rates via a Section 871(d) election (W-8ECI).
Estate Tax (Non-Resident)
Nonresidents get only a $60,000 US estate-tax exemption (vs $13.99M for residents); US property above it is taxed up to 40%. Treaties may help.
ITIN Requirement
Nonresidents without an SSN need an ITIN (Form W-7) to file US tax returns, claim FIRPTA refunds, and report rental income.
Talk to a US real-estate tax advisor
FIRPTA, ITIN & Tennessee property-tax guidance for foreign buyers
North Chattanooga Real Estate FAQ
North Chattanooga in Chattanooga, Tennessee has a gross yield of 4.0 and prices about 54% above Chattanooga and 35% above Tennessee. The price trend is up 4.8% over the past year, while the Red Flag score is 69. Walkability is 84, so the profile combines strong access with a higher risk reading.
Neighborhoods near North Chattanooga
Compare North Chattanooga with nearby neighborhoods in Chattanooga.
Unlock deeper insights on North Chattanooga
Deeper data. Smarter decisions. Stronger returns.
Full Risk Reports
Tract-level hazards
Investment Score
AI-driven analysis
Export & Reports
PDF & Excel
Priority Support
Fast-track help
Get Pro Access7-day free trial. Cancel anytime.