HUD Metro FMR Area · 6 counties
Chattanooga, TN-GA Fair Market Rent & Income Limits
For FY2027 HUD set the two-bedroom Fair Market Rent for the Chattanooga, TN-GA area at $1,340 a month, down 3.6% from FY2026. The FY2026 median family income is $97,400. The same figures apply in all 6 counties of the area.
Fair Market Rent by unit size
FY2027 FY2026
Check your household
Enter your household size and total yearly income before taxes to see which HUD income category it falls in for Chattanooga, TN-GA.
Low income (80% limit)
A household of 4 earning $75,900 is under the 80% limit of $77,900 for this area. At 30% of income it could pay about $1,898 a month for rent and utilities.
This is a quick comparison with HUD's published limits, not an eligibility decision. Programs count income in their own ways and many have waiting lists; the local housing agency or property decides.
Income limits
| People | Extremely low30% / poverty | Very low50% | 60% (LIHTC)MTSP | Low income80% |
|---|---|---|---|---|
| 1 | $20,450 | $34,100 | $40,920 | $54,550 |
| 2 | $23,400 | $39,000 | $46,800 | $62,350 |
| 3 | $27,320 | $43,850 | $52,620 | $70,150 |
| 4 | $33,000 | $48,700 | $58,440 | $77,900 |
| 5 | $38,680 | $52,600 | $63,120 | $84,150 |
| 6 | $44,360 | $56,500 | $67,800 | $90,400 |
| 7 | $50,040 | $60,400 | $72,480 | $96,600 |
| 8 | $55,720 | $64,300 | $77,160 | $102,850 |
HERA Special area. Tax-credit properties placed in service before 2009 may use HUD's higher HERA hold-harmless 60% limits here: $58,800 for four people, against the regular $58,440.
Two-bedroom FMR since 2001
Counties in the area
| County | People | 2 BR FMR |
|---|---|---|
| Hamilton County, TN | 376,192 | $1,340 |
| Walker County, GA | 68,762 | $1,340 |
| Catoosa County, GA | 68,634 | $1,340 |
| Marion County, TN | 29,250 | $1,340 |
| Sequatchie County, TN | 16,809 | $1,340 |
| Dade County, GA | 16,165 | $1,340 |
Small Area FMRs across 71 ZIP codes
Two-bedroom Small Area FMRs in the Chattanooga, TN-GA area run from $1,000 to $1,820; the middle ZIP code is at $1,200, against the area-wide FMR of $1,340. This is a mandatory Small Area FMR area (designated 2023, in force since 1/1/2025): voucher payment standards follow the ZIP-code figures.
Highest ZIP codes
Lowest ZIP codes
Questions
What is the Fair Market Rent in the Chattanooga, TN-GA area?
HUD's FY2027 Fair Market Rents for the Chattanooga, TN-GA area are $1,181 (studio), $1,231 (1 BR), $1,340 (2 BR), $1,657 (3 BR) and $1,761 (4 BR) a month.
What is the area median income for Chattanooga, TN-GA?
The FY2026 median family income is $97,400; the 80% low-income limit for four people is $77,900.
Which counties are in this HUD metro area?
Hamilton County, TN, Walker County, GA, Catoosa County, GA, Marion County, TN, Sequatchie County, TN and Dade County, GA.