ZIP code 37404

ZIP 37404 is a mid-size town in Hamilton County, Tennessee, with 13,883 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #176 of 638 ranked by population — larger than 72% of them. The median age here is 34.7 years against 39.1 nationally, a slightly younger profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 37404 earn a median of $53,585 a year, 31.8% below the national figure of $78,538. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 22.3% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in ZIP 37404 is valued at $235,300, 22.4% below the national figure, while median gross rent runs $999 a month, 28.9% below the national figure, or roughly $11,988 across a full year. A household on the local median income would put about 22.4% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 4.4×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 53.6% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 37404 is tabulated inside Hamilton County, Tennessee, one of 26 ZIP areas the Census publishes for that county and 638 across Tennessee. This is a mid-sized suburban ZIP inside a county that is split across many delivery areas. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 37404 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 37404 reports a median household income of $53,585, 19% below the $66,389 county median, and 9% below the $59,143 typical TN ZIP. Owner-occupied homes are valued at a median of $235,300, 11% below the county figure and 21% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $999 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

A taxable purchase made inside 37404 carries 9.25% at the register, assembled from the Chattanooga jurisdiction stack: the Tennessee state rate plus every county, municipal and special district levy that reaches this address. Because those district boundaries were drawn for schools, transit and hospital funding rather than for mail delivery, two addresses inside 37404 can legitimately fall under different totals — the rate shown here is the one that applies to the dominant jurisdiction.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 37404 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.