Investor market data · Tennessee

Chattanooga, TN Rental Market for Investors

An estimated 72% of Chattanooga's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of October 2026.

See what pencils →Run a DSCR

$374,900Median list price1,243 active listings

$43,812Median STR revenue / yrprojected, gross

Homes in Chattanooga that pencil right now

A sample of active Chattanooga listings whose DSCR clears 1.25 using short-term rental income projections we accept as a direct lender. These are spread across the price range, not ranked, and current as of October 2026.

$249,000DSCR 1.25
2 bed · 2 bath · 1,175 sqft
Condo in 37405 · built 1974
STR revenue
$39,751/yr
Est. interest-only payment
$2,118/mo
On the market 44 days · Listed by Keller Williams Realty
Scout this home & market: 2-bed condo in Chattanooga
$269,900DSCR 1.71
3 bed · 2 bath · 1,279 sqft
House in 37406 · built 2026
STR revenue
$44,951/yr
Est. interest-only payment
$1,750/mo
On the market 165 days · Listed by Coldwell Banker Pryor Realty
Scout this home & market: 3-bed house in Chattanooga
$292,000DSCR 1.61
4 bed · 1.5 bath · 1,400 sqft
House in 37412 · built 1950
STR revenue
$40,527/yr
Est. interest-only payment
$1,675/mo
On the market 110 days · Listed by Keller Williams Realty
Scout this home & market: 4-bed house in Chattanooga
$349,900DSCR 1.37
3 bed · 2.5 bath · 1,590 sqft
House in 37412 · built 2019
STR revenue
$43,733/yr
Est. interest-only payment
$2,136/mo
On the market 6 days · Listed by The Agency Chattanooga
Scout this home & market: 3-bed house in Chattanooga
$379,000DSCR 1.95
4 bed · 2 bath · 1,741 sqft
House in 37404 · built 1930
STR revenue
$64,236/yr
Est. interest-only payment
$2,195/mo
On the market 62 days · Listed by Lifestyles Realty Tennessee, Inc
Scout this home & market: 4-bed house in Chattanooga

Ask about Chattanooga deals →Run any address yourself

As of October 2026, we analyzed 1,243 active for-sale homes in Chattanooga, Tennessee. The typical listing is priced at $374,900 and is projected to generate about $43,812 a year as a short-term rental.

After setting aside an estimated 20% for operating costs, an estimated 71.7% of those homes could still cover an investor mortgage payment on short-term-rental income — well above the 53.1% median across the 200 major metros we track, ranking Chattanooga #24 of 200 for cash-flow potential.

On market momentum: homes in Chattanooga sit a median of 60 days on the market, and 28% of active listings came on in just the last 30 days — a steadily paced market, which shapes how much room there is to negotiate.

For a DSCR loan — which qualifies on the property's rental income rather than your personal income — that's a relatively healthy setup: in Chattanooga, a meaningful share of listings throw off enough short-term-rental income, after costs, to cover an estimated investor mortgage payment.

What actually works in Chattanooga

Chattanooga is a broad cash-flow market right now: 419 of the 955 Chattanooga homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $435,000.

Share of those listings clearing an DSCR of 1.25, by price and bedroom count. The smaller figure is the median DSCR for that group.
Price	1 bed	2 bed	3 bed	4 bed	5 bed
$150k–$250k	29%1.06	86%1.59	100%2.16	100%3.02	—
$250k–$350k	8%0.97	24%1.13	73%1.44	97%1.73	—
$350k–$500k	—	2%0.85	34%1.16	62%1.31	79%1.50
$500k+	—	0%0.58	2%0.83	8%0.83	10%0.92

Darker means a larger share of that group cash-flows. “—” means fewer than 8 active listings — too few to draw a conclusion from.

Chattanooga in full

Active for-sale homes analyzed	1,243
Median list price	$374,900
Median projected STR revenue (annual, gross)	$43,812
Median average daily rate (ADR)	$186
Median occupancy	64%
Median beds	3
Median size	1,794 sqft
Estimated cash-flow-positive share	71.7%
Median days on market	60 days
New listings (last 30 days)	28.1% of active