Chattanooga, TN-GA: 2-bedroom payment standards across 44 ZIP codes
HUD's FY2026 Small Area Fair Market Rents for Chattanooga, TN-GA MSA range from $1,070 to $1,900 for a 2-bedroom. The 90th-percentile ZIP code runs 1.49× the 10th — a gap of $563 a month — which ranks 55th widest of the 247 HUD metro areas we compare.
median 2-bedroom SAFMR across the area's 44 ZIP codes. Each ZIP code carries its own standard here; your PHA sets a figure within 90–110% of that ZIP's SAFMR.
monthly gap between the 90th- and 10th-percentile ZIP code ($1,139 to $1,702).
of the area's ZIP codes (11 of 44) sit above $1,513 — 110% of the area median. Because ZIP-level standards are required here, that is a measure of the area's rent spread, not of ZIP codes left behind by a ceiling.
Highest-rent ZIP codes in Chattanooga, TN-GA
Every ZIP code, ranked
The payment-standard column is HUD's published 90–110% band for that ZIP code — the range a housing authority may adopt without HUD approval. Your PHA sets the exact figure. The final column compares each ZIP to the area median; ZIP codes marked above 110% exceed 110% of that median, which here simply marks the top of the area's rent range — ZIP-level standards are required in this area, so no ZIP is capped by an area-wide figure.
| # | ZIP code | 2 BR SAFMR ▾ | Payment standard (90–110%) | vs area median |
|---|---|---|---|---|
| 1 | 37350 | $1,900 | $1,710–$2,090 | above 110% |
| 2 | 37315 | $1,870 | $1,683–$2,057 | above 110% |
| 3 | 37363 | $1,870 | $1,683–$2,057 | above 110% |
| 4 | 37421 | $1,830 | $1,647–$2,013 | above 110% |
| 5 | 37405 | $1,720 | $1,548–$1,892 | above 110% |
| 6 | 37408 | $1,660 | $1,494–$1,826 | above 110% |
| 7 | 37403 | $1,650 | $1,485–$1,815 | above 110% |
| 8 | 37415 | $1,580 | $1,422–$1,738 | above 110% |
| 9 | 37343 | $1,570 | $1,413–$1,727 | above 110% |
| 10 | 37377 | $1,570 | $1,413–$1,727 | above 110% |
| 11 | 37402 | $1,520 | $1,368–$1,672 | above 110% |
| 12 | 37341 | $1,510 | $1,359–$1,661 | 110% |
| 13 | 37304 | $1,480 | $1,332–$1,628 | 108% |
| 14 | 37351 | $1,480 | $1,332–$1,628 | 108% |
| 15 | 37384 | $1,480 | $1,332–$1,628 | 108% |
| 16 | 37401 | $1,480 | $1,332–$1,628 | 108% |
| 17 | 37414 | $1,480 | $1,332–$1,628 | 108% |
| 18 | 37422 | $1,480 | $1,332–$1,628 | 108% |
| 19 | 37424 | $1,480 | $1,332–$1,628 | 108% |
| 20 | 37450 | $1,480 | $1,332–$1,628 | 108% |
| 21 | 37409 | $1,450 | $1,305–$1,595 | 105% |
| 22 | 37412 | $1,390 | $1,251–$1,529 | 101% |
| 23 | 37416 | $1,360 | $1,224–$1,496 | 99% |
| 24 | 30739 | $1,350 | $1,215–$1,485 | 98% |
| 25 | 37411 | $1,340 | $1,206–$1,474 | 97% |
| 26 | 37302 | $1,310 | $1,179–$1,441 | 95% |
| 27 | 37404 | $1,300 | $1,170–$1,430 | 95% |
| 28 | 30741 | $1,270 | $1,143–$1,397 | 92% |
| 29 | 30750 | $1,270 | $1,143–$1,397 | 92% |
| 30 | 30726 | $1,260 | $1,134–$1,386 | 92% |
| 31 | 37419 | $1,260 | $1,134–$1,386 | 92% |
| 32 | 30742 | $1,250 | $1,125–$1,375 | 91% |
| 33 | 37396 | $1,210 | $1,089–$1,331 | 88% |
| 34 | 30757 | $1,200 | $1,080–$1,320 | 87% |
| 35 | 37406 | $1,200 | $1,080–$1,320 | 87% |
| 36 | 37340 | $1,180 | $1,062–$1,298 | 86% |
| 37 | 37407 | $1,180 | $1,062–$1,298 | 86% |
| 38 | 30738 | $1,170 | $1,053–$1,287 | 85% |
| 39 | 30707 | $1,160 | $1,044–$1,276 | 84% |
| 40 | 30752 | $1,130 | $1,017–$1,243 | 82% |
| 41 | 30725 | $1,100 | $990–$1,210 | 80% |
| 42 | 37347 | $1,100 | $990–$1,210 | 80% |
| 43 | 37410 | $1,100 | $990–$1,210 | 80% |
| 44 | 30728 | $1,070 | $963–$1,177 | 78% |
How Chattanooga, TN-GA compares
Its internal spread of 1.49× (p90 ÷ p10) ranks 55 of 247 HUD metro FMR areas, against a median of 1.37× and a national high of 1.77×. On the steadier p75 ÷ p25 measure it is 1.25×. See the full ranking and how it was measured →
A note on what this does not mean: a higher payment standard does not increase the assistance a household receives. It raises the ceiling on the rent a voucher can cover, while the household still pays roughly 30% of adjusted income. Figures are ZIP-weighted, not renter-weighted, and rest on 2019–2023 American Community Survey data trended forward.