Chattanooga home values (September 2026)
The typical home in the Chattanooga, TN metro is worth $318,922, -0.3% over the last 12 months. Updated monthly from Zillow Research data.
- Typical value
- $318,922
- 1-year change
- -0.3%
- 5-year change
- +22.6%
- 10-year change
- +90.2%
Where Chattanooga stands
- #65 most expensive of the 100 largest U.S. metros; #77 by 1-year price growth.
- 1.1% below its peak of $322,496 in April 2026.
Home equity in Chattanooga
At an 85% combined loan-to-value cap, a typical $318,922 home supports up to $271,084 of total borrowing. With a typical mortgage still owed, about $92,487 of equity would be available as a line of credit. Run your own numbers in the HELOC calculator.
Compare nearby metros
- Nashville, TN — $448,896 (-0.5% 1-yr)
- Memphis, TN — $242,102 (+0.1% 1-yr)
- Knoxville, TN — $363,018 (+1.9% 1-yr)
- Columbus, OH — $326,910 (+1.3% 1-yr)
- Kansas City, MO — $324,887 (+3.7% 1-yr)
- Greenville, SC — $312,032 (+1.4% 1-yr)
Frequently asked questions
What is the typical home value in Chattanooga?
The typical home in the Chattanooga, TN metro area is worth about $318,922 as of September 2026, according to the Zillow Home Value Index (mid-tier homes, seasonally adjusted). That ranks #65 of the 100 largest U.S. metros.
Are home prices in Chattanooga going up or down?
Over the past 12 months the typical value changed -0.3% (#77 of 100 large metros by 1-year growth). Over 5 years it changed +22.6%, and over 10 years +90.2%. Values are 1.1% below the peak of $322,496 set in April 2026.
How much home equity could a Chattanooga homeowner borrow against?
Lenders typically cap combined loan-to-value at about 85%. On a typical $318,922 home that's $271,084 of total borrowing; after a typical existing mortgage (about 56% of value) roughly $92,487 would remain as a line of credit. This is an illustration, not an offer — your figure depends on your own balance, credit and appraisal.
Data: Zillow Research, Zillow Home Value Index (all homes, mid tier, smoothed and seasonally adjusted), September 2026. Equity figures are illustrative. Download the full dataset.