37406 ZIP Code — Chattanooga, TN

Hamilton County, Tennessee

ZIP code 37406 is located in Chattanooga, Tennessee, within Hamilton County. It covers approximately 12.14 square miles and serves a population of 12,986 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 423.

About ZIP code 37406

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1960s, giving the area an established character. Median home value is $140,700. Owner-occupancy sits near the national average at 49%.

Median household income is $39,031. Poverty affects 32% of residents, above the national average. SNAP benefit usage at 29% of households reflects economic stress in the area. 45% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is production, transportation, and material moving, with education and healthcare as the leading industry. The average commute of 19 minutes is near the national average.

College attainment at 15% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of diabetes (21%), smoking (28%) compared to national benchmarks.

Overall, ZIP code 37406 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

12,986

population

12.14

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

37406 ZIP code map

Cities in ZIP code 37406

Below are the cities the US Postal Service accepts for ZIP code 37406. Using any city not on this list may result in mail delivery delays.

City	Status
Chattanooga	Preferred

Nearby ZIP codes

37411 Chattanooga (3.1 mi) 37403 Chattanooga (3.1 mi) 37404 Chattanooga (3.6 mi) 37450 Chattanooga (4 mi) 37415 Chattanooga (4 mi) 37402 Chattanooga (4.2 mi) 37416 Chattanooga (4.4 mi) 37408 Chattanooga (4.6 mi) 37412 Chattanooga (4.9 mi) 37407 Chattanooga (5.3 mi) 37421 Chattanooga (5.9 mi) 37410 Chattanooga (6 mi)

Demographics updated 05/2026

Population
Total population	12,986
Population density	1,070 / sq mi
State FIPS	47
County FIPS	065

Geography
Land area	12.14 sq mi
Water area	0.62 sq mi
Latitude	35.0714
Longitude	-85.2468
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	73.6%	44.3%	45.7%
$50k – $100k	20.0%	30.0%	30.9%
$100k – $200k	6.3%	19.5%	18.3%
Over $200k	0.0%	6.2%	5.1%

Demographics & statistics

12,986

Population

1,070

People per sq mi

35.2

Median age

$39,031

Median household income

$20,719

Per capita income

$140,700

Median home value

$893

Median monthly rent

49.0%

Home ownership

31.9%

Poverty rate

9.3%

Unemployment

3,147

Housing units

14.9%

Bachelor's or higher

Age distribution

Male Female

448

Under 5

518

489

5–9

565

330

10–14

382

514

15–19

593

323

20–24

373

885

25–34

1,022

680

35–44

786

524

45–54

605

304

55–59

351

461

60–64

533

663

65–74

766

274

75–84

317

130

85+

150

← Male

Female →

Age summary

Group	Count	%
Under 18	3,495	26.9%
18 and over	9,491	73.1%
65 and over	2,300	17.7%
Median age	35.2 years

Race & ethnicity

Black or African American 68.1%

White 21.1%

Two or more races 5.3%

Hispanic or Latino 3.5%

Other race 1.2%

Asian 0.4%

American Indian / Alaska Native 0.4%

Group	Count	%
Black or African American	9,161	68.1%
White	2,840	21.1%
Two or more races	713	5.3%
Hispanic or Latino	470	3.5%
Other race	158	1.2%
Asian	57	0.4%
American Indian / Alaska Native	53	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	73.6%	44.3%	45.7%
$50k – $100k	20.0%	30.0%	30.9%
$100k – $200k	6.3%	19.5%	18.3%
Over $200k	0.0%	6.2%	5.1%

Under $10k 11.5%

$10k–$15k 9.0%

$15k–$25k 10.0%

$25k–$35k 13.9%

$35k–$50k 16.9%

$50k–$75k 18.1%

$75k–$100k 9.4%

$100k–$150k 9.0%

$150k–$200k 1.5%

$200k+ 0.7%

Range	% of households
Under $10k	11.5%
$10k–$15k	9.0%
$15k–$25k	10.0%
$25k–$35k	13.9%
$35k–$50k	16.9%
$50k–$75k	18.1%
$75k–$100k	9.4%
$100k–$150k	9.0%
$150k–$200k	1.5%
$200k+	0.7%
Median income	$39,031

Housing

Home values

Under $50k 6.6%

$50k–$100k 17.7%

$100k–$150k 32.8%

$150k–$200k 28.0%

$200k–$300k 10.9%

$300k–$500k 2.6%

$500k–$1M 1.1%

$1M+ 0.2%

Housing overview

Metric	Value
Median home value	$140,700
Median rent / month	$893
Owner occupied	49.0%
Renter occupied	51.0%
Vacant	11.3%
Single-family detached	73.5%
Large apartment buildings	2.2%
Mobile homes	2.5%
Median rooms	5.3
Avg household size (owned)	2.47

Year built

Era	%
2020 or later	0.6%
2010–2019	2.8%
2000–2009	9.3%
1990–1999	8.4%
1980–1989	8.4%
1970–1979	13.2%
1960–1969	20.5%
1950–1959	18.9%
1940–1949	8.3%
1939 or earlier	9.8%

Bedrooms

Size	% of units
No bedroom (studio)	0.7%
1 bedroom	5.2%
2 bedrooms	36.2%
3 bedrooms	43.9%
4 bedrooms	11.4%
5+ bedrooms	2.6%

Vehicles per household

Vehicles	% of households
No vehicle	17.5%
1 vehicle	41.7%
2 vehicles	24.3%
3 or more	16.6%

Heating fuel

Fuel type	%
Utility gas	7.2%
Electricity	88.9%
Propane / LP gas	0.9%
Fuel oil	1.7%
Wood	0.2%
No fuel used	1.2%

Households & families

Household type	Count	%
Married-couple family	1,156	22.7%
Cohabiting couple	239	4.7%
Male householder, no spouse	963	18.9%
Female householder, no spouse	2,733	53.7%
Households with children under 18	1,569	30.8%
Households with seniors (65+)	1,994	39.2%
Average household size	2.54

Marital status

Status	Male	Female
Never married	45.6%	35.1%
Married	32.3%	26.5%
Separated	2.0%	3.0%
Widowed	3.6%	14.7%
Divorced	16.6%	20.8%

Education

Less than 9th grade 5.5%

Some HS, no diploma 12.3%

HS graduate 38.8%

Some college, no degree 21.2%

Associate's degree 7.3%

Bachelor's degree 10.6%

Graduate / professional 4.3%

Metric	%
HS diploma or higher	82.2%
Bachelor's or higher	14.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	162	5.2%
Kindergarten	126	4.0%
Elementary school	1,370	43.6%
High school	1,112	35.4%
College / grad school	374	11.9%

Employment

Industry of employment

Education & healthcare 27.5%

Manufacturing 17.5%

Arts, food & hospitality 10.6%

Professional & management 9.7%

Retail trade 9.2%

Transportation & utilities 6.9%

Construction 4.9%

Other services 4.8%

Finance & real estate 3.4%

Agriculture & mining 1.9%

Public administration 1.6%

Wholesale trade 1.3%

Information 0.7%

Occupation

Category	%
Management, business & arts	21.9%
Service	24.1%
Sales & office	18.1%
Natural resources & construction	10.1%
Production & transportation	25.8%

Employment type

Type	%
Private sector	85.6%
Government	8.5%
Self-employed	6.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	72.1%
Carpool	14.6%
Public transit	3.9%
Walk	1.4%
Work from home	4.6%
Other means	3.5%
Avg commute (minutes)	18.6

Poverty

All people 31.9%

Under 18 years 51.1%

18 and over 24.7%

Married-couple families 8.0%

Female-led households 37.2%

Income support

Source	% of households
Social Security	44.5%
Retirement income	23.7%
Supplemental Security	6.1%
Cash public assistance	5.9%
Food stamps / SNAP	29.1%

Health indicators

Condition	%
Obesity	42.5%
High blood pressure	50.2%
High cholesterol	35.1%
Diabetes	20.6%
Heart disease	8.5%
Stroke	6.2%
Asthma	13.4%
Arthritis	32.1%
Kidney disease	4.7%
Pulmonary disease	10.8%
Cancer	5.9%

Behavior / access	%
Smoking	28.0%
Binge drinking	10.2%
No physical activity	37.1%
Less than 7 hrs sleep	44.5%
Depression	24.0%
Fair or poor health	28.3%
Poor mental health	19.4%
Poor physical health	16.0%
No health insurance	23.4%
Visited doctor (checkup)	80.4%
Visited dentist	44.6%
Cholesterol screening	90.0%
Teeth loss	29.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	713	7.5%

Disability	%
Any disability	22.0%
Under 18	3.5%
18–64 years	23.0%
65 and over	47.4%

Health insurance coverage

Type	%
Private insurance	46.5%
Public insurance	56.2%
No insurance	9.5%
Uninsured under 19	2.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	12,020	92.6%
Spanish	282	2.3%
Other Indo-European	258	2.1%
Asian & Pacific Islander	24	0.2%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	12,504	96.3%
Born in same state	12,478	96.1%
Born in different state	9,796	75.4%
Foreign born	26	0.2%
Naturalized citizen	482	3.7%
Not a US citizen	110	22.8%

Ancestry

Ancestry	Count	%
Italian	436	3.4%
Arab	425	3.3%
French	308	2.4%
Dutch	24	0.2%

Ancestry	Count	%
English	19	0.1%
Polish	15	0.1%
German	10	0.1%

Technology access

Metric	% of households
Computer access	39.2%
Internet access	83.0%

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

Frequently asked questions about ZIP code 37406

What city is ZIP code 37406 in?

ZIP code 37406 is primarily assigned to Chattanooga, Tennessee.

What county is ZIP code 37406 in?

ZIP code 37406 falls within Hamilton County, Tennessee.

What is the poverty rate in ZIP code 37406?

32% of residents in ZIP code 37406 live below the poverty line, above the national average.

Does ZIP code 37406 have a large retiree population?

45% of households in ZIP code 37406 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 37406?

15% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What is the typical home value in ZIP code 37406?

The median home value in ZIP code 37406 is $140,700.

What timezone is ZIP code 37406 in?

ZIP code 37406 observes the EST timezone.