37404 ZIP Code — Chattanooga, TN

Hamilton County, Tennessee

ZIP code 37404 is located in Chattanooga, Tennessee, within Hamilton County. It covers approximately 5.18 square miles and serves a population of 13,848 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 423.

About ZIP code 37404

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $219,000. Owner-occupancy sits near the national average at 53%.

The gap between median ($50,308) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 22% of residents, above the national average. SNAP benefit usage at 19% of households reflects economic stress in the area. 32% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 18 minutes is near the national average.

Educational attainment is near the national average, with 33% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of diabetes (18%), smoking (27%) compared to national benchmarks. 22% of residents lack health insurance, above the national average.

Overall, ZIP code 37404 reflects a community defined by economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

13,848

population

5.18

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

37404 ZIP code map

Cities in ZIP code 37404

Below are the cities the US Postal Service accepts for ZIP code 37404. Using any city not on this list may result in mail delivery delays.

City	Status
Chattanooga	Preferred

Nearby ZIP codes

37407 Chattanooga (1.7 mi) 37403 Chattanooga (2 mi) 37408 Chattanooga (2.1 mi) 37411 Chattanooga (2.4 mi) 37450 Chattanooga (2.6 mi) 37410 Chattanooga (2.7 mi) 37402 Chattanooga (2.9 mi) 37412 Chattanooga (3.1 mi) 37406 Chattanooga (3.6 mi) 37409 Chattanooga (4.6 mi) 37350 Lookout Mountain (4.9 mi) 30741 Rossville (6.1 mi)

Demographics updated 05/2026

Population
Total population	13,848
Population density	2,673 / sq mi
State FIPS	47
County FIPS	065

Geography
Land area	5.18 sq mi
Water area	0.00 sq mi
Latitude	35.0242
Longitude	-85.2720
Timezone	Eastern (ET)
Area code	423

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	65.8%	44.3%	45.7%
$50k – $100k	20.1%	30.0%	30.9%
$100k – $200k	10.6%	19.5%	18.3%
Over $200k	3.5%	6.2%	5.1%

Demographics & statistics

13,848

Population

2,673

People per sq mi

36.5

Median age

$50,308

Median household income

$31,179

Per capita income

$219,000

Median home value

$909

Median monthly rent

53.4%

Home ownership

21.9%

Poverty rate

6.3%

Unemployment

3,708

Housing units

32.5%

Bachelor's or higher

Age distribution

Male Female

489

Under 5

484

393

5–9

389

467

10–14

462

311

15–19

308

602

20–24

597

1,061

25–34

1,051

991

35–44

981

730

45–54

723

377

55–59

373

514

60–64

508

608

65–74

601

295

75–84

292

121

85+

120

← Male

Female →

Age summary

Group	Count	%
Under 18	2,991	21.6%
18 and over	10,857	78.4%
65 and over	2,037	14.7%
Median age	36.5 years

Race & ethnicity

White 42.2%

Black or African American 35.8%

Hispanic or Latino 9.1%

Two or more races 8.1%

Other race 4.1%

Asian 0.5%

American Indian / Alaska Native 0.1%

Group	Count	%
White	6,434	42.2%
Black or African American	5,460	35.8%
Hispanic or Latino	1,392	9.1%
Two or more races	1,228	8.1%
Other race	632	4.1%
Asian	80	0.5%
American Indian / Alaska Native	14	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	65.8%	44.3%	45.7%
$50k – $100k	20.1%	30.0%	30.9%
$100k – $200k	10.6%	19.5%	18.3%
Over $200k	3.5%	6.2%	5.1%

Under $10k 3.4%

$10k–$15k 7.2%

$15k–$25k 14.0%

$25k–$35k 9.9%

$35k–$50k 15.1%

$50k–$75k 16.9%

$75k–$100k 10.6%

$100k–$150k 11.6%

$150k–$200k 4.8%

$200k+ 6.4%

Range	% of households
Under $10k	3.4%
$10k–$15k	7.2%
$15k–$25k	14.0%
$25k–$35k	9.9%
$35k–$50k	15.1%
$50k–$75k	16.9%
$75k–$100k	10.6%
$100k–$150k	11.6%
$150k–$200k	4.8%
$200k+	6.4%
Median income	$50,308

Housing

Home values

Under $50k 2.6%

$50k–$100k 13.4%

$100k–$150k 12.3%

$150k–$200k 15.5%

$200k–$300k 21.4%

$300k–$500k 22.9%

$500k–$1M 9.3%

$1M+ 2.7%

Housing overview

Metric	Value
Median home value	$219,000
Median rent / month	$909
Owner occupied	53.4%
Renter occupied	46.6%
Vacant	16.0%
Single-family detached	75.3%
Large apartment buildings	2.9%
Mobile homes	0.2%
Median rooms	5.4
Avg household size (owned)	2.28

Year built

Era	%
2020 or later	0.0%
2010–2019	6.0%
2000–2009	5.3%
1990–1999	5.0%
1980–1989	4.0%
1970–1979	6.9%
1960–1969	11.4%
1950–1959	9.1%
1940–1949	9.1%
1939 or earlier	43.2%

Bedrooms

Size	% of units
No bedroom (studio)	2.4%
1 bedroom	9.4%
2 bedrooms	32.5%
3 bedrooms	37.1%
4 bedrooms	14.5%
5+ bedrooms	4.2%

Vehicles per household

Vehicles	% of households
No vehicle	9.2%
1 vehicle	34.2%
2 vehicles	36.3%
3 or more	20.2%

Heating fuel

Fuel type	%
Utility gas	34.1%
Electricity	64.7%
Propane / LP gas	0.6%
Fuel oil	0.4%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	1,651	32.3%
Cohabiting couple	460	9.0%
Male householder, no spouse	1,318	25.8%
Female householder, no spouse	1,683	32.9%
Households with children under 18	1,200	23.5%
Households with seniors (65+)	1,439	28.1%
Average household size	2.59

Marital status

Status	Male	Female
Never married	46.4%	42.8%
Married	35.1%	31.0%
Separated	2.4%	2.0%
Widowed	1.8%	9.2%
Divorced	14.3%	14.9%

Education

Less than 9th grade 7.7%

Some HS, no diploma 6.9%

HS graduate 28.2%

Some college, no degree 20.4%

Associate's degree 4.4%

Bachelor's degree 19.3%

Graduate / professional 13.2%

Metric	%
HS diploma or higher	85.4%
Bachelor's or higher	32.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	210	6.9%
Kindergarten	114	3.7%
Elementary school	1,361	44.7%
High school	481	15.8%
College / grad school	882	28.9%

Employment

Industry of employment

Education & healthcare 20.2%

Manufacturing 15.5%

Arts, food & hospitality 12.3%

Professional & management 11.2%

Construction 9.3%

Retail trade 8.5%

Finance & real estate 7.1%

Transportation & utilities 5.2%

Other services 5.0%

Wholesale trade 2.4%

Public administration 1.8%

Information 0.8%

Agriculture & mining 0.7%

Occupation

Category	%
Management, business & arts	35.5%
Service	17.6%
Sales & office	16.9%
Natural resources & construction	11.2%
Production & transportation	18.8%

Employment type

Type	%
Private sector	79.9%
Government	8.0%
Self-employed	11.8%
Unpaid family workers	0.3%

Commute

Method	%
Drive alone	58.1%
Carpool	15.4%
Public transit	3.5%
Walk	4.6%
Work from home	14.9%
Other means	3.4%
Avg commute (minutes)	18.3

Poverty

All people 21.9%

Under 18 years 40.5%

18 and over 16.8%

Married-couple families 5.6%

Female-led households 27.3%

Income support

Source	% of households
Social Security	32.2%
Retirement income	16.1%
Supplemental Security	7.7%
Cash public assistance	3.2%
Food stamps / SNAP	19.0%

Health indicators

Condition	%
Obesity	39.9%
High blood pressure	43.8%
High cholesterol	33.4%
Diabetes	17.5%
Heart disease	7.5%
Stroke	5.1%
Asthma	12.3%
Arthritis	27.9%
Kidney disease	4.0%
Pulmonary disease	9.9%
Cancer	5.1%

Behavior / access	%
Smoking	27.3%
Binge drinking	12.4%
No physical activity	35.1%
Less than 7 hrs sleep	41.7%
Depression	24.7%
Fair or poor health	26.1%
Poor mental health	19.4%
Poor physical health	14.9%
No health insurance	26.0%
Visited doctor (checkup)	76.2%
Visited dentist	45.4%
Cholesterol screening	87.2%
Teeth loss	29.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	523	4.8%

Disability	%
Any disability	15.1%
Under 18	4.3%
18–64 years	14.5%
65 and over	35.8%

Health insurance coverage

Type	%
Private insurance	48.2%
Public insurance	38.3%
No insurance	21.6%
Uninsured under 19	7.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	12,875	93.0%
Spanish	1,382	10.7%
Other Indo-European	1,272	9.9%
Asian & Pacific Islander	0	0.0%
Other languages	42	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	12,475	90.1%
Born in same state	12,433	89.8%
Born in different state	8,064	58.2%
Foreign born	42	0.3%
Naturalized citizen	1,373	9.9%
Not a US citizen	124	9.0%

Ancestry

Ancestry	Count	%
French	1,138	8.2%
Arab	732	5.3%
Italian	620	4.5%
English	54	0.4%

Ancestry	Count	%
Irish	14	0.1%
Polish	13	0.1%
German	12	0.1%
Norwegian	8	0.1%

Technology access

Metric	% of households
Computer access	36.9%
Internet access	88.8%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 37404

What city is ZIP code 37404 in?

ZIP code 37404 is primarily assigned to Chattanooga, Tennessee.

What county is ZIP code 37404 in?

ZIP code 37404 falls within Hamilton County, Tennessee.

What is the poverty rate in ZIP code 37404?

22% of residents in ZIP code 37404 live below the poverty line, above the national average.

What are the health statistics for ZIP code 37404?

Health data for ZIP code 37404 shows elevated rates of diabetes (18%) and smoking (27%) compared to national benchmarks.

What is the population of ZIP code 37404?

ZIP code 37404 has an estimated population of 13,848 residents, with a density of 2,672 people per square mile.

What is the median household income in ZIP code 37404?

The median household income in ZIP code 37404 is $50,308, below the national median of ~$75,000.

What timezone is ZIP code 37404 in?

ZIP code 37404 observes the EST timezone.