Affordable & Low-Income Housing in Chattanooga, TN
63 affordable buildings in Chattanooga · 14 ZIP codes
Chattanooga, TN has 63 income-restricted buildings across 14 ZIP codes: 36 tax credit, 7 public housing, 28 Section 8, and 9 senior. These lists don't show openings — call to ask about vacancies and waiting lists.
In Chattanooga
The 40 highest-ranked of 63 buildings. Pick a ZIP below to see all of them.
College Hill
1239 Cypress Street Ct, Chattanooga, TN 37402
495 units · 1–3 BR
- Apply through Chattanooga Housing Authority
- Several buildings — call for addresses
East Lake Courts
2552 4th Ave, Chattanooga, TN 37407
412 units · 411 income-restricted · 1–3 BR
- Apply through Chattanooga Housing Authority
- Residents waited about 39 months to move in (HUD, Oct 2026)
Emma Wheeler Homes
809 E 48th St, Chattanooga, TN 37410
335 units · 1–3 BR
- Apply through Chattanooga Housing Authority
- Residents waited about 57 months to move in (HUD, Oct 2026)
The Villages at Alton Park
288 Water St, Chattanooga, TN 37410
274 units · 199 income-restricted · 1–4+ BR · People with disabilities
- Apply through Chattanooga Housing Authority
- Residents waited about 81 months to move in (HUD, Oct 2026)
River View Towers
500 W M. L. King BLVD, Chattanooga, TN 37402
161 units · 138 income-restricted · Studio–1 BR
Timber Ridge Cooperative
201 Timber Knoll Dr, Chattanooga, TN 37421
156 units · 84 income-restricted · 1–3 BR
Gateway Towers
1100 Gateway Ave, Chattanooga, TN 37402
130 units · 1 BR
- Apply through Chattanooga Housing Authority
- Most residents are 62 or older
Silvertree Seniors Chattanooga Apartments
5465 Highway 58 NORTH, Chattanooga, TN 37411
125 units · 124 income-restricted · 1–2 BR
Whiteside Faith Manor
735 E 10th St, Chattanooga, TN 37403
117 units · Studio–2 BR · People with disabilities
Greenwood Terrace Apartments
3056 Dee Dr, Chattanooga, TN 37406
98 units · 2–4+ BR · People with disabilities
The Oaks at Camden
2157 Camden Oaks Dr, Chattanooga, TN 37406
57 units · 37 income-restricted · 2–3 BR
- Apply through Chattanooga Housing Authority
- Residents waited about 85 months to move in (HUD, Oct 2026)
Orange Grove I
2739 Folts Dr, Red Bank, TN 37415
54 units · 34 income-restricted · 1 BR · People with disabilities
Maple Hills Apartments
1901 Maple Hills Way, Chattanooga, TN 37406
48 units · 2–3 BR · People with disabilities
- Apply through Chattanooga Housing Authority
- Residents waited about 64 months to move in (HUD, Oct 2026)
Orange Grove II
3770 Wilcox Blvd, Chattanooga, TN 37411
36 units · 20 income-restricted · 1 BR · People with disabilities
Woodlawn Apartments
3806 Mission View AVE, Chattanooga, TN 37411
16 units · 1 BR · People with disabilities
Orange Grove Development No. Seven, Inc.
335 North Seminole Drive, Chattanooga, TN 37411
15 units · 12 income-restricted · 1 BR · People with disabilities
Orange Grove Development No. 5
1119 Carter Dr, Chattanooga, TN 37415
12 units · 8 income-restricted · 1 BR · People with disabilities
Walden Group Home
700 Ladd Ave, Chattanooga, TN 37405
11 units · 10 income-restricted · 1 BR · People with disabilities
Orange Grove Development No. Four, Inc.
304 S Sweetbriar Ave, Chattanooga, TN 37411
10 units · 8 income-restricted · 1 BR · People with disabilities
Orange Grove No. 6
4296 Highwood Drive, Chattanooga, TN 37415
10 units · 8 income-restricted · 1 BR · People with disabilities
Orange Grove Development No. Two
7433 Mintom Dr, Chattanooga, TN 37421
9 units · 8 income-restricted · 1 BR · People with disabilities
Villages at Alton Park
3750 Hughes Ave, Chattanooga, TN 37410
203 units · 1–4+ BR · People with disabilities
Jaycee Tower
500 W. Martin Luther King Blvd, Chattanooga, TN 37402
202 units · 161 income-restricted · Studio–1 BR
Cromwell Hills
3940 Camellia Drive, Chattanooga, TN 37421
200 units · 1–4+ BR · People with disabilities
No buildings in Chattanooga match this filter.
Programs in Chattanooga
- Tax credit
- Public housing
- Section 8
- Seniors
ZIP codes in Chattanooga
Nearby cities
Housing authorities
Public housing in Chattanooga is run by these agencies. Apply with them, not at the building.
- Chattanooga Housing AuthorityCall (423) 752-4893
Rents and income limits in 37402
- Fair market rent, 2 bedrooms
- $1,460/mo
- Income needed to pay it at 30% of income
- $58,400/yr
- Renters in 37402 paying 30% or more of income on rent
- 49%
Income limits (2026)
Chattanooga, TN-GA area · median family income $97,400. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $20,450 | $34,100 | $54,550 |
| 2 | $23,400 | $39,000 | $62,350 |
| 3 | $27,320 | $43,850 | $70,150 |
| 4 | $33,000 | $48,700 | $77,900 |
| 5 | $38,680 | $52,600 | $84,150 |
| 6 | $44,360 | $56,500 | $90,400 |
| 7 | $50,040 | $60,400 | $96,600 |
| 8 | $55,720 | $64,300 | $102,850 |
Section 8 vouchers: up to the 50% limit, and most go to households under 30%. Public housing: up to 80%. Tax-credit apartments: usually up to 60% of median income, between the 50% and 80% columns.
Fair market rents (2027)
HUD's estimate of rent plus utilities for a modest home. Housing authorities set Section 8 voucher limits from it.
| Size | 37402 | Wider area |
|---|---|---|
| Studio | $1,290 | $1,181 |
| 1 bedroom | $1,340 | $1,231 |
| 2 bedrooms | $1,460 | $1,340 |
| 3 bedrooms | $1,810 | $1,657 |
| 4 bedrooms | $1,920 | $1,761 |
Wider area = Chattanooga, TN-GA. Two-bedroom fair market rents in 12 nearby ZIPs range from $1,070 (37410) to $1,750 (37350).
Census figures for 37402 (2020–2024 average): median rent $615. Median household income $24,214. 95% of homes are rented. 49% of renters pay 30% or more of their income on rent, and 18% pay half or more.
Census median rent is what renters here actually pay, including long-term leases. Fair market rent is HUD's estimate for a modest apartment available now.
Sources: HUD income limits FY2026; HUD Fair Market Rents FY2027 (Small Area FMR for ZIP figures); U.S. Census Bureau American Community Survey 5-year 2020–2024. Each program and building can set its own limits — confirm with the property.
Estimate your Section 8 rent share
Project-based Section 8 is on the buildings above. A Housing Choice Voucher is different: you apply with the housing authority, then find a landlord who takes it. Your share of rent is based on income — not always 30%. The calculator uses 37402's fair market rent.
Estimate your Section 8 rent share for 37402Frequently Asked Questions
Is there Section 8 housing in Chattanooga, TN?
Yes — this directory lists income-restricted buildings in Chattanooga, TN, including project-based Section 8 apartments (the subsidy stays with the unit), public housing, tax-credit, and USDA rural rentals. Housing Choice Vouchers are different: you apply with the local housing authority and can use them at a private landlord. Estimate your voucher rent share with the Section 8 calculator.
Do affordable housing buildings in Chattanooga, TN have openings?
These lists for Chattanooga, TN don't show openings. Call the property (or the housing authority, for public housing) to ask about vacancies and waiting lists.
How do I apply for affordable housing in Chattanooga, TN?
Use the phone number on each building card in Chattanooga, TN. Public housing is run by the local housing authority — apply with them, not at the building. USDA rural rentals can also be found through USDA's property search.
What counts as affordable housing in Chattanooga, TN?
In Chattanooga, TN, this directory lists income-restricted rentals from HUD tax-credit (LIHTC) records, public housing, HUD-assisted buildings (including project-based Section 8, 202, and 811), and USDA Rural Development.
How many affordable housing buildings are in Chattanooga, TN?
This directory lists 63 income-restricted buildings in Chattanooga, TN. The list does not show vacancies — call each property or the housing authority to ask about openings and waiting lists.
Which ZIP codes in Chattanooga have affordable housing?
Income-restricted buildings in Chattanooga are listed in 37402 (10), 37406 (9), 37411 (7), 37410 (6), 37405 (5), 37408 (5), 37404 (4), 37415 (4), 37421 (4), 37403 (3), 37407 (2), 37412 (2). The 12 ZIP codes with the most buildings are listed here; see the ZIP list on this page for the rest.
Where do I apply for public housing in Chattanooga?
Public housing in Chattanooga is run by Chattanooga Housing Authority. Apply with that agency, not at the building. For project-based Section 8 and tax-credit apartments, call the phone number on the building card.
People Also Ask
How do I qualify for affordable housing in Chattanooga, TN?
Most income-restricted buildings in Chattanooga, TN serve households at or below 50% or 80% of area median income. HUD's 2026 very low-income (50%) limit for a 1-person household is $34,100, and $48,700 for a 4-person household. Public housing can go up to 80% ($54,550 for 1 person). Each building sets its own cap — call to confirm before you apply. Citizenship, household size, and local preferences can also apply.
What is the income limit for low-income housing in Chattanooga, TN?
For many programs in Chattanooga, TN, the 2026 HUD very low-income (50%) limit is $34,100 a year for 1 person and $48,700 for 4 people. The low-income (80%) limit is $54,550 for 1 person. Tax-credit buildings often use 60% of median income. Confirm with the property — they can be stricter.
How long is the waiting list for Section 8 in Chattanooga, TN?
There is no single waiting list for Chattanooga, TN. Public housing, project-based Section 8, and tax-credit buildings each keep their own list. Housing Choice Voucher lists at the housing authority open only sometimes and can stay closed for years. This directory does not show which lists are open — call the number on each card. Some public housing cards show HUD's reported wait in months.
What is the difference between Section 8 and public housing in Chattanooga, TN?
Public housing is owned by a housing authority — you apply with that agency, not at the building. Project-based Section 8 is a HUD contract on a private building; the subsidy stays with the apartment. A Housing Choice Voucher is different: you apply with the housing authority and can use it at a landlord who takes it. This page lists public housing, project-based Section 8, tax-credit apartments in Chattanooga, TN. Estimate voucher rent share with the Section 8 calculator.
How much rent do you pay for low-income housing in Chattanooga, TN?
In public housing and most Section 8 in Chattanooga, TN, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Chattanooga, TN is $1,460 a month (rent plus utilities for a modest unit). Tax-credit apartments use set rents below market, not always 30% of income. Call the building for the actual rent; this site is not a vacancy or price list.
Can I use a Section 8 voucher at affordable apartments in Chattanooga, TN?
A Housing Choice Voucher is not automatically accepted at every building in Chattanooga, TN. Project-based Section 8 units already have a subsidy on the apartment — you apply there, not with a tenant voucher. For a voucher, apply with the housing authority, then ask each landlord. Estimate your share with the Section 8 calculator.
Is there senior affordable housing in Chattanooga, TN?
Yes — this directory flags senior (often 62+) buildings in Chattanooga, TN. Use the Seniors filter on the list. Age rules vary; call to confirm.
Sources: HUD LIHTC database, 2024 (released Apr 2026); HUD Multifamily Assisted Properties, Oct 2026; HUD Public Housing Developments, Oct 2026. Not affiliated with HUD or USDA. Details can be out of date — confirm with the property before applying.
Map loads here…
In this cityOpen a pin for the building name.