Best ZIP Codes for Cash Flow in Chattanooga, TN-GA (2026)
Ranked by cap rate — the annual return on the purchase price before financing. ZIPs that also clear the 1% rule are marked.
| # | ZIP | City | Home value | Rent | Cap rate | 5-yr growth |
|---|---|---|---|---|---|---|
| 1 | 37407 1% rule | Chattanooga, TN | $126,626 | $1,323 | 8.15% | 5.8% |
| 2 | 37410 | Chattanooga, TN | $156,530 | $1,503 | 7.49% | 4.5% |
| 3 | 37406 | Chattanooga, TN | $182,237 | $1,661 | 7.11% | 5.1% |
| 4 | 37404 | Chattanooga, TN | $258,279 | $1,722 | 5.20% | 3.8% |
| 5 | 30741 | Rossville, GA | $218,590 | $1,368 | 4.88% | 6.0% |
| 6 | 37411 | Chattanooga, TN | $234,376 | $1,422 | 4.73% | 5.2% |
| 7 | 37351 | Chattanooga, TN | $235,331 | $1,332 | 4.41% | 3.9% |
| 8 | 37412 | East Ridge, TN | $259,055 | $1,375 | 4.14% | 5.8% |
| 9 | 30728 | Lafayette, GA | $227,221 | $1,200 | 4.12% | 4.9% |
| 10 | 30736 | Ringgold, GA | $322,487 | $1,678 | 4.06% | 5.8% |
| 11 | 30707 | Chickamauga, GA | $269,519 | $1,350 | 3.91% | 5.5% |
| 12 | 37363 | Ooltewah, TN | $445,262 | $2,115 | 3.70% | 5.2% |
| 13 | 30757 | Wildwood, GA | $232,689 | $1,080 | 3.62% | 7.4% |
| 14 | 37387 | Tracy City, TN | $188,209 | $873 | 3.62% | 4.6% |
| 15 | 37416 | Chattanooga, TN | $293,493 | $1,356 | 3.60% | 5.1% |
| 16 | 30742 | Fort Oglethorpe, GA | $260,894 | $1,166 | 3.49% | 5.8% |
| 17 | 37409 | Chattanooga, TN | $401,598 | $1,798 | 3.49% | 5.5% |
| 18 | 37374 | Sequatchie, TN | $236,025 | $1,035 | 3.42% | 5.6% |
| 19 | 37343 | Hixson, TN | $368,975 | $1,575 | 3.33% | 5.4% |
| 20 | 37403 | Chattanooga, TN | $391,883 | $1,661 | 3.31% | 3.3% |
| 21 | 30752 | Trenton, GA | $241,870 | $1,017 | 3.28% | 5.5% |
| 22 | 37373 | Sale Creek, TN | $310,976 | $1,305 | 3.27% | 5.4% |
| 23 | 37415 | Red Bank, TN | $333,047 | $1,391 | 3.26% | 4.8% |
| 24 | 37397 | Whitwell, TN | $228,621 | $927 | 3.16% | 5.7% |
| 25 | 37419 | Chattanooga, TN | $381,338 | $1,533 | 3.13% | 5.2% |
Ranked from Repit’s own ZIP-level data — Zillow home values and rents, HUD fair-market rents where Zillow has no coverage, and U.S. Census vacancy. Cap rate is gross: annual rent over purchase price, before financing and expenses. Every ZIP above links to its full free page. How we calculate this →
Same metro, different strategy
Appreciation in Chattanooga, TN-GA · Affordable in Chattanooga, TN-GA
Or see the full Chattanooga, TN-GA metro profile.