Appreciation Velocity — Chattanooga, TN
Home-price appreciation in Chattanooga, TN plus ZIPs within the city ranked by 1Y growth.
Public Record
Chattanooga · 1Y appreciation
+3.7%
Chattanooga · 3Y appreciation
+65.1%
Chattanooga · 5Y appreciation
+82.6%
Chattanooga · 10Y appreciation
+146.3%
Top 10 — 3Y appreciation (Zips)
#1 · ZIP 37403
+253.2%
#2 · ZIP 37406
+82.7%
#3 · ZIP 37411
+79.8%
#4 · ZIP 37402
+49.9%
#5 · ZIP 37409
+32.0%
#6 · ZIP 37408
+27.9%
#7 · ZIP 37404
+27.6%
#8 · ZIP 37407
+4.7%
#9 · ZIP 37419
-7.5%
#10 · ZIP 37416
-17.8%
Zip ranking — 3Y appreciation (highest first)
| # | Zip | State | 1Y | 3Y | 5Y | 10Y | Current median |
|---|---|---|---|---|---|---|---|
| 1 | ZIP 37403 | TN | +158.0% | +253.2% | +147.2% | +464.5% | $1.44M |
| 2 | ZIP 37406 | TN | -13.4% | +82.7% | +147.6% | +149.4% | $268.8K |
| 3 | ZIP 37411 | TN | +27.5% | +79.8% | +118.0% | +256.5% | $380K |
| 4 | ZIP 37402 | TN | +168.0% | +49.9% | — | +375.3% | $2.5M |
| 5 | ZIP 37409 | TN | -4.1% | +32.0% | +48.1% | +293.9% | $427.8K |
| 6 | ZIP 37408 | TN | +7.7% | +27.9% | +14.7% | +168.7% | $518.7K |
| 7 | ZIP 37404 | TN | +11.1% | +27.6% | +218.6% | +513.6% | $632.5K |
| 8 | ZIP 37407 | TN | -55.8% | +4.7% | +98.3% | +512.1% | $205K |
| 9 | ZIP 37419 | TN | -5.6% | -7.5% | +175.4% | +99.2% | $615K |
| 10 | ZIP 37416 | TN | +7.0% | -17.8% | +56.9% | +91.9% | $326.7K |
| 11 | ZIP 37405 | TN | -27.7% | -26.6% | +4.7% | +21.8% | $348K |
| 12 | ZIP 37410 | TN | -74.4% | -72.1% | -40.1% | — | $55K |
How to read these numbers
Velocity vs. level
A market with 25% one-year appreciation is moving fast — but a market with steady 6% over ten years has compounded much further. Use 10Y as the long-run signal, 1Y as the momentum signal.
Mean-reversion risk
Markets that posted huge 1Y and 3Y gains often cool over the next cycle. Compare 1Y to 5Y: if 1Y is far above 5Y, the trend is accelerating; if far below, it is decelerating — often the more important signal.
Sample sanity
We require a minimum current median price (default $50K) to filter out tiny ZIPs with noisy data. Raise that threshold for serious investment markets; lower it to find emerging niches. Source: public record.