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Chattanooga

Hamilton County, TN

STR Investment Grade

Transparent Scoring
C
49/100
⚠️ CAUTION
Score Breakdown
💰Cash-on-Cash
18/35
🏠Affordability
6/25
📅Year-Round Income
12/15
🤝Landlord Friendly
10/10
📈Room to Grow
3/15
Cash-on-Cash
5.6%
Marginal (5%+)
Median Home
$312K
Expensive
Room to Grow
3/15
Crowded Market
⚠️

STR Regulations Apply

Permit required; some zoning restrictions

Chattanooga requires STR permits with zoning compliance. Some residential areas have restrictions.

Permit: Moderate
Grade Impact: Base score of 49/100 would be grade C, but capped at C (49/100) due to regulation risk.
Verified data as of February 2026 · Regulations change frequently
📞 How to Verify
Call the Chattanooga City Clerk or Planning & Zoning Department and ask:
1. Are short-term rentals (under 30 days) allowed at [your address]?
2. What permits or licenses are required?
3. Are there owner-occupancy requirements?
4. Any caps on rental nights per year or number of permits?
Many cities have active short-term rentals operating legally with permits — restrictions don't always mean it's impossible.

Why Chattanooga?

Rural Market

What drives short-term rental demand here

🌾
Rural & Country Market

Privacy seekers and remote workers fuel growing demand for secluded, nature-adjacent stays.

🔥
High Demand Zone

Strong traveler demand supports a competitive market with proven revenue potential.

🏕️
Outdoor Recreation

Proximity to parks and outdoor activities draws adventure travelers and families.

Will This Deal Work?

Investment Grade
C
Marginal (5%+)
CoC: 5.6%
Can You Pay the Bills?
YES
Income covers mortgage
THE BOTTOM LINE ⚠️

This market has STR regulations to be aware of. Many hosts operate successfully with proper permits. Research local ordinances before committing.

💵
$165
Avg ADR
📅
62%
Occupancy
💰
$3,069
Monthly Revenue
🏠
$312K
Median Price

Market estimates · Updated Feb 2026

📊 Income by Property Size

Monthly revenue estimates by bedroom count

1BR
$1,074
2BR
$1,995
3BR
$3,069
4BR
$4,450
5BR
$5,524
6BR+
$6,598
⭐ Best

🏠 Top Amenities for This Market

Add these to boost your revenue

MUST HAVEHot Tub
+20%
HIGH IMPACTFire Pit
+12%
HIGH IMPACTPrivacy/Seclusion
+15%
HIGH IMPACTOutdoor Space
+10%
NICE TO HAVEGame Room
+14%

🎯 Your Next Steps

1
Search for 6BR+ properties
Best income potential at $6,598/month
2
Add a Hot Tub
Boost revenue by +20%
3
Target $3,836/month
Top 25% performer income goal

📋 Regulation Status

RegulatedPermit: ModerateVerified Data

Regulations vary by city and county. Always verify local STR ordinances, permit requirements, and zoning laws before purchasing.

Research Comparable Listings

See active short-term rentals in this market

View Listings on Airbnb

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Take the Next Step

Find homes, agents, and lenders in this market

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📊

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Free STR calculator with comp data for any address

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Chattanooga, Tennessee is rated C for Airbnb investment with a score of 49/100 (CAUTION). The market has an average daily rate (ADR) of $165, 62% occupancy, and estimated monthly STR revenue of $3,069. Median home value is $312,219 with a cash-on-cash return of 5.6%. STR regulation status: Regulated. Data powered by Edge by Teeco using estimated market data.