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Market MapTennesseeHamilton

Hamilton County

TennesseePopulation: 367,193Chattanooga, TN Metro
50
/100
Hold
#554 of 1,000 counties
#62 in Tennessee (95 counties)

Market Snapshot

$344,796
Median Home Price
48% above national median
$1,517/mo
Median Rent
0% above national median
5.28%
Rent-to-Price Ratio
Top 67% nationally
-$822
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$344,796
Down Payment (20%)$68,959
Loan Amount$275,837
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,517
Monthly P&I-$1,807
Est. Expenses (35%)-$531
Net Cash Flow-$822/mo
3.4%
Cap Rate (all cash)
-12.4%
Cash-on-Cash Return
5.28%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.4% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
50/100
50
Cash Flow(30%)
49/100

Based on 5.28% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
48/100

Based on -0.4% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
55/100

Price-to-income ratio of 5.0x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Complete rent data available

Challenges

  • -Below-average rent-to-price ratio (5.28%)
  • -Declining home values (-0.4% YoY)
  • -Negative cash flow at typical financing (-$822/mo)
  • -Negative leverage (cap rate 3.4% < mortgage rate 6.9%)

Economic Indicators

Population
367,193
Median Income
$69,069
vs $57,018 national est.
Unemployment Rate
—
Data pending
Price-to-Income
5.0x
Moderately affordable

Compare to Nearby Counties

CountyVerdict
RobertsonTN
51$366,187$1,6885.53%HoldView
MontgomeryTN
51$318,518$1,3865.22%HoldView
CurrentHamiltonTN
50$344,796$1,5175.28%Hold
MauryTN
50$395,565$1,6895.12%HoldView
RutherfordTN
50$412,432$1,7044.96%HoldView
SumnerTN
49$436,405$1,6754.61%HoldView

The Bottom Line

HoldHamilton is a neutral market. Consider house hacking or targeting below-market deals.

Hamilton County in Tennessee scores 50/100, ranking #554 of 1,000 US counties (top 73%). The 5.28% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow
$-822/mo
Cap Rate
3.4%
Cash-on-Cash
-12.4%

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