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Affordable Housing In Chattanooga
Hamilton County, Tennessee

60 Low Income Apartment Communities In Chattanooga

River View Tower Apartments

500 W Ml King Blvd
Chattanooga, Tennessee
Call For Rent
Studio-1 BR
Elderly Supportive Housing

Silvertree Seniors of Chattanooga

5465 Highway 58
Chattanooga, Tennessee
Income Based
1-2 BR
Elderly Supportive Housing

Chestnut Flats

2108 Chestnut Street
Chattanooga, Tennessee
Call For Rent
1-3 BR

Maple Hills Apartments

2515 Gilbert Street
Chattanooga, Tennessee
Call For Rent
2-3 BR

Villages at Alton Park

3750 Hughes Avenue
Chattanooga, Tennessee
Call For Rent
1-4 BR
Market Rate

Magnolia Gardens Apartments

779 Martin Luther King Blvd
Chattanooga, Tennessee
Call For Rent
2-3 BR

College Hill Courts

1300 Grove St Ct
Chattanooga, Tennessee
Call For Rent
1-3 BR

Mary Walker Towers

2505 S Market St
Chattanooga, Tennessee
Call For Rent
1 BR

Oaks at Camden

1655 Mossy Oaks Drive
Chattanooga, Tennessee

Bayberry Apartments

2300 Wilson Street
Chattanooga, Tennessee
Call For Rent
1-3 BR

Housing Authorities that serve Chattanooga

Housing Authority Programs
Chattanooga Housing Authority Section 8 Housing Choice Voucher (HCV); Public Housing

Guide To Affordable Housing in Chattanooga, Tennessee

There are 60 low income housing apartment communities offering 5,278 affordable apartments for rent in Chattanooga, Tennessee.

Income Based Apartments in Chattanooga, Tennessee

Chattanooga features 4,103 income based apartments. Tenants of income based apartments typically pay no more than 30% of their income towards rent and utilities.

Low Rent Apartments in Chattanooga, Tennessee

There are 1,075 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in Chattanooga.

Housing Choice Vouchers in Chattanooga, Tennessee

On average, Section 8 Housing Choice vouchers pay Chattanooga landlords $600 per month towards rent. The average voucher holder contributes $300 towards rent in Chattanooga.

The maximum amount a voucher would pay on behalf of a low-income tenant in Chattanooga, Tennessee for a two-bedroom apartment is between $749 and $915.

2020 Chattanooga, Tennessee Fair Market Rents and Housing Choice Voucher Payment Standards

Fair Market Rents can be used to better understand the average housing costs of an area. Fair Market Rents are used by HUD to establish payment and rent standards for federal rental assistance programs like the Section 8 Housing Choice Voucher Program.

Studio One BR Two BR Three BR Four BR
Fair Market Rent $599 $686 $832 $1,081 $1,305
Payment Standard Range $539 to $659 $617 to $755 $749 to $915 $973 to $1,189 $1,175 to $1,436

Sourced from federal housing data and research.

Chattanooga, TN Affordable Housing Snapshot

Total Affordable Apartment Properties 60
Total Low Income Apartments 5,278
Total Housing Units with Rental Assistance 4,103
Percentage of Housing Units Occupied By Renters 46.57%
Average Renter Household Size 2.32
Average Household Size 2.37
Median Household Income $40,177 ±$1,167
Median Rent $748 ±$11
Percentage Of Renters Overburdened 47.85% ± 2.41pp
Total Population 174,483

Population and Household Demographics

Chattanooga is a city in Hamilton County, Tennessee with a population of 174,483. There are 70,228 households in the city with an average household size of 2.37 persons. 46.57% of households in Chattanooga are renters.

Income and Rent Overburden in Chattanooga

The median gross income for households in Chattanooga is $40,177 a year, or $3,348 a month. The median rent for the city is $748 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Chattanooga, a household making less than $2,493 a month would be considered overburdened when renting an apartment at or above the median rent. 47.85% of households who rent are overburdened in Chattanooga.

Area Median Income In Chattanooga

Affordable housing program eligibility is always determined by one's income. Each household's income is compared to the incomes of all other households in the area. This is accomplished through a statistic established by the government called the Area Median Income, most often referred to as AMI. The AMI is calculated and published each year by HUD.

HUD often uses an area larger than a city to determine the AMI because HUD anticipates those searching for housing will look beyond individual cities during their housing search. For Chattanooga, the AMI is calculated from all households within Hamilton County.

In Chattanooga, HUD calculates the Area Median Income for a family of four as $72,600

Most affordable housing programs determine eligibility based on the percent of AMI a given household's income is. Among the programs that determine eligibility based on the AMI are Section 8, HOME, LIHTC, Section 515, 202 and 811.

Rental Assistance in Chattanooga

Rental assistance is a type of housing subsidy that pays for a portion of a renter’s monthly housing costs, including rent and tenant paid utilities. This housing assistance can come in the form of Section 8 Housing Choice Vouchers, project-based Section 8 contracts, public housing, USDA Rental Assistance (in Section 515 properties) as well as HUD Section 202 and 811 properties for elderly and disabled households.

Income Qualifications for HUD Rental Assistance in Chattanooga

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $15,300 $17,450 $21,720 $26,200 $30,680 $35,160 $39,640 $44,120
50% of Median $25,450 $29,050 $32,700 $36,300 $39,250 $42,150 $45,050 $47,950
80% of Median $40,700 $46,500 $52,300 $58,100 $62,750 $67,400 $72,050 $76,700