ZIP code 37409

ZIP 37409 is a small town in Hamilton County, Tennessee, with 3,417 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #366 of 638 ranked by population — larger than 42% of them. The median age here is 35.1 years against 39.1 nationally, a slightly younger profile than the country as a whole. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 37409 earn a median of $75,076 a year, 4.4% below the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 18.1% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 37409 is valued at $245,900, 19% below the national figure, while median gross rent runs $1,138 a month, 19.1% below the national figure, or roughly $13,656 across a full year. A household on the local median income would put about 18.2% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 3.3×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 57.6% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. 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 37409 is tabulated inside Hamilton County, Tennessee, one of 26 ZIP areas the Census publishes for that county and 638 across Tennessee. Population sits in the small-town band, typically one main street plus the addresses that feed into it. 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 37409 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 37409 reports a median household income of $75,076, 13% above the $66,389 county median, and 27% above the $59,143 typical TN ZIP. Owner-occupied homes are valued at a median of $245,900, 7% below the county figure and 26% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,138 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

A taxable purchase made inside 37409 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 37409 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 37409 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.