Most of Chattanooga is in Hamilton County, where a full-time job needs to pay at least $38.59 an hour before taxes to take home four times the typical studio rent.
Across the 20 ZIP codes in Chattanooga with HUD rent figures, studio rents run from $940 to $1,520 a month. At the middle rent, $1,270, a full-time job would need to pay $38.59 an hour before taxes.
What the standard would be at each ZIP code's own studio rent. The calculator and the official standard use the county figure.
| ZIP | County | Studio rent | Pay needed |
|---|---|---|---|
| 37401 | Hamilton County | $1,270/mo | $38.59/hr |
| 37402 | Hamilton County | $1,290/mo | $39.30/hr |
| 37403 | Hamilton County | $1,430/mo | $44.28/hr |
| 37404 | Hamilton County | $1,120/mo | $33.43/hr |
| 37405 | Hamilton County | $1,490/mo | $46.41/hr |
| 37406 | Hamilton County | $1,020/mo | $30.32/hr |
| 37407 | Hamilton County | $1,000/mo | $29.70/hr |
| 37408 | Hamilton County | $1,490/mo | $46.41/hr |
| 37409 | Hamilton County | $1,270/mo | $38.59/hr |
| 37410 | Hamilton County | $940/mo | $27.83/hr |
| 37411 | Hamilton County | $1,110/mo | $33.12/hr |
| 37412 | Hamilton County | $1,170/mo | $35.05/hr |
| 37414 | Hamilton County | $1,270/mo | $38.59/hr |
| 37415 | Hamilton County | $1,320/mo | $40.37/hr |
| 37416 | Hamilton County | $1,140/mo | $34.06/hr |
| 37419 | Hamilton County | $1,100/mo | $32.81/hr |
| 37421 | Hamilton County | $1,520/mo | $47.48/hr |
| 37422 | Hamilton County | $1,270/mo | $38.59/hr |
| 37424 | Hamilton County | $1,270/mo | $38.59/hr |
| 37450 | Hamilton County | $1,270/mo | $38.59/hr |
Under the Four Times Rent standard, a full-time job in Chattanooga needs to pay at least $38.59 an hour before taxes, about $80,276 a year. That is the figure for Hamilton County, where the typical studio rent is $1,270 a month.
Yes. Across the 20 ZIP codes in Chattanooga with HUD rent figures, studio rents run from $940 to $1,520 a month. At the middle rent of $1,270, the pay needed would be $38.59 an hour.
The minimum wage in Hamilton County is $7.25 an hour. The Four Times Rent standard there is 5.3 times that.
The Four Times Rent standard: a month of full-time work (160 hours) should take home at least four times the typical rent on a studio apartment in the county where the work is done. Rents: HUD FY2027 Fair Market Rents. Taxes: 2026 federal and state income taxes plus Social Security and Medicare, for a single filer. Why four times rent? · Method and data downloads