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City · 22,070 residents · Hamilton County, Tennessee

East Ridge , Tennessee

In East Ridge, a typical home is worth $211,100 and typical rent is $1,147 a month. Compared with all of Hamilton County, the typical home value is 33% lower, typical household income is 18% lower, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $211,100

    33% below the county

    26% below Tennessee

    • East Ridge
    • Hamilton
    • Tennessee

  • Typical rent

    $1,147a month

    8% below the county

    4% below Tennessee

    • East Ridge
    • Hamilton
    • Tennessee

  • Typical household income

    $62,247a year

    18% below the county

    11% below Tennessee

    • East Ridge
    • Hamilton
    • Tennessee

  • Households that own their home

    58%

    6 points below the county

    9 points below Tennessee

    • East Ridge
    • Hamilton
    • Tennessee

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$253,065
2.7% less than 12 months ago
Typical rent
$1,423 a month
4.6% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

East Ridge is in Hamilton County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Hamilton County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets East Ridge apart

What this place has that others do not, from public data, most unusual first.

  1. The typical home in East Ridge is worth $211,100, 33% less than in Hamilton County as a whole ($312,800).

  2. According to Zillow, in the 12 months to September 2026 the typical home value in East Ridge fell 2.7%; in Tennessee, it rose 0.6%.

  3. The typical household income in East Ridge is $62,247, 18% less than in Hamilton County as a whole ($76,183).

  4. 58% of households in East Ridge own their home, against 64% in Hamilton County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in East Ridge

What homes there are in East Ridge, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In East Ridge, 7 in 10 homes are single-family detached houses, about the same as in Hamilton County.

Year built

In East Ridge, half of the homes were built before 1964; in Hamilton County, before 1982.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,212 a month

Hamilton County: $1,608 a month

Without a mortgage

$473 a month

Hamilton County: $520 a month

Owners with a mortgage

64%

Hamilton County: 59%

In East Ridge, 64% of owners have a mortgage, and their typical cost is $1,212 a month, against $1,608 in Hamilton County. Without one it drops to $473.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Homes in East Ridge gained value more slowly than in Hamilton County: 62% since 2015–2019, against 73%.

Since 2015–2019, the typical rent in East Ridge rose 35%, less than in Hamilton County (44%).

Housing prices ran ahead of income in East Ridge: typical income rose 32%, against +62% for home values and +35% for rent.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureEast RidgeHamilton CountyTennesseeUnited States
Rental vacancy Unreliable estimate4.0%6.1%5.5%
Homeowner vacancy Unreliable estimate1.2%0.9%0.9%
More than one person per room Unreliable estimate1.6%2.2%3.4%
People per household 2.292.382.452.53
Drive alone 73%74%76%69%
Carpool 10%8%8%9%
Public transit Unreliable estimate1%0%3%
Walk or bike Unreliable estimate2%1%3%
Work from home 13%14%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Hamilton County, a household in East Ridge has 2.29 people on average.

In East Ridge, 73% of workers drive alone to work; in Hamilton County, 74%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in East Ridge?

A typical home is tight for the typical income

We start with a typical home in East Ridge, worth $211,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in East Ridge, which is $62,247 a year. For that payment to be 28% of income, a household would need to earn about $73,529 a year.

The calculator's FHA and conventional loan limits are those of all of Hamilton County.

Your numbers

Local data
$

Starts at the typical home value in East Ridge. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $7,389 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,716

at 7.18% · 30 years

Loan amount
$207,276
Total interest
$298,221
Paid off in
November 2056

Includes $3,565 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,452 a month

  • Tight

    $1,452 to $1,867 a month

    Your payment · 33%

  • Hard

    more than $1,867 a month

Compared with the typical household income in East Ridge ($62,247 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,716
Principal & interest$1,404
Property tax$130
Home insurance$88
FHA mortgage insurance (MIP)$93

You need at least $7,389 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

East Ridge and Hamilton County

East Ridge is in Hamilton County, Tennessee. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

East Ridge's own numbers

Typical home value
$211,100
Typical monthly rent
$1,147
Typical yearly household income
$62,247
Households that own their home
58%
Effective property tax rate
0.74%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Hamilton County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,340
Price change over 5 years (FHFA)
+63%
Homes in a high flood-risk zone
2.9%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Hamilton County.

Everything about Hamilton County

Buying

Buying a home in East Ridge

A typical home in East Ridge is worth $211,100: 33% below the county and 26% below Tennessee. With the typical household income in East Ridge ($62,247 a year), a typical home costs 3.4 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • East Ridge 3.4 years
  • Hamilton 4.1 years
  • Tennessee 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Hamilton County

According to FHFA’s house price index, home prices in Hamilton County rose 117% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Hamilton County.

Period County Tennessee U.S.
Last year (2025) +1.8% +2.4% +2.9%
5 years (2020–2025) +63% +60% +47%
10 years (2015–2025) +117% +114% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

East Ridge next to Hamilton County, Tennessee and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • East Ridge $211,100
  • Hamilton $312,800
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • East Ridge $1,147
  • Hamilton $1,253
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • East Ridge $62,247
  • Hamilton $76,183
  • Tennessee $69,595
  • United States $80,734
See the full table
East Ridge next to Hamilton County and Tennessee
Measure East Ridge Hamilton County Tennessee U.S.
Typical home value $211,100 $312,800 $286,700 $332,700
Typical monthly rent $1,147 $1,253 $1,189 $1,413
Typical yearly household income $62,247 $76,183 $69,595 $80,734
Households that own their home 58% 64% 67% 65%
Typical yearly property tax $1,555 $1,925 $1,442 $3,119
Effective property tax rate 0.74% 0.62% 0.5% 0.94%
Renters with high rent for their income 39% 45% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Hamilton County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in East Ridge

For a typical $211,100 home in East Ridge, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, East Ridge's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,716a month

    Least cash to close
    Down payment
    $7,389
    Cash to close
    $13,722
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $93

  • Conventional, 5% down $1,677a month

    Down payment
    $10,555
    Cash to close
    $16,888
    Rate
    7.18%
    Mortgage insurance
    PMI · $100

  • Conventional, 20% down, no PMI $1,362a month

    Down payment
    $42,220
    Cash to close
    $48,553
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,557a month

    Down payment
    $31,665
    Cash to close
    $37,998
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for East Ridge and for Hamilton County.

Property tax

Effective rate in East Ridge

0.74%of the home’s value each year

$1,555 a year for the typical owner in East Ridge.

  • East Ridge 0.74%
  • Hamilton 0.62%
  • Tennessee 0.5%

What Tennessee publishes Property tax relief for older, disabled and disabled-veteran homeowners (Tennessee Comptroller of the Treasury, 2026 Property Tax Relief Program brochure)

Exemptions and deadlines in Tennessee

Flood risk in Hamilton County

FEMA does not publish these numbers by city: they are for all of Hamilton County.

Homes in the high-risk zone
2.9%
3,789
Of those, with NFIP insurance
22%
County Tennessee U.S.
Homes in the high-risk zone 2.9% 1.6% 3.5%
Of those, with NFIP insurance 22% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in East Ridge

Typical rent in East Ridge is $1,147 a month: 8% below the county. In East Ridge, 39% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Hamilton County, by unit size. To pay the 2-bedroom one ($1,340 a month) without spending more than 30% of your income, you would need to earn $25.77 an hour working full time.

HUD fair market rent for all of Hamilton County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,181 $22.71 $47,240
1 bedroom $1,231 $23.67 $49,240
2 bedrooms $1,340 $25.77 $53,600
3 bedrooms $1,657 $31.87 $66,280
4 bedrooms $1,761 $33.87 $70,440

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in East Ridge

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). East Ridge is in ZIP code 37412.

For 2 bedrooms it is $1,330: $10 less than the fair market rent for Hamilton County ($1,340).

  • 37412 $1,330$1,650

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for East Ridge when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in East Ridge

HUD lists one building with rents for lower incomes in East Ridge.

  • Dogwood Place Apts 201 Eads St, East Ridge 37412 140 low-income homes · 2 bd: 100 · 3 bd: 40 · In service since 2004

See all 65 buildings in Hamilton County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in East Ridge

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 2 HUD-approved agencies with an office in Hamilton County; 1 says it serves in Spanish.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in East Ridge

No down payment, repair or rent-help program on our list is for East Ridge or Hamilton County. The ones below are statewide in Tennessee: they work in East Ridge the same as in the rest of the state.

Which programs do I qualify for? All programs in Tennessee

  • Great Choice Plus

    Statewide in Tennessee

    Tennessee state agency help with the down payment and closing costs alongside the Great Choice mortgage: $6,000 or $10,000 forgivable over 10 years with no payments, or up to 5% of the price (maximum $15,000) as a 30-year second mortgage. Offered by Tennessee Housing Development Agency (THDA).

    ForgivableRepayable

    See the program Official page

Housing counselors near East Ridge

The HUD-approved agencies closest to the center of East Ridge, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • CCCS of Rochester-Chattanooga

    5600 Brainerd Rd, Chattanooga · 1 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (423) 490-5620

  • Chattanooga Neighborhood Enterprise, Inc.

    1500 Chestnut St Ste 102, Chattanooga · 6 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 2 more
    (423) 756-6201

  • City Fields

    1075 Blythe Ave SE, Cleveland · 23 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (423) 472-9876

Every agency in Hamilton County All counseling agencies in Tennessee

Help in Spanish near East Ridge

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of East Ridge

In HUD’s record, no housing authority with an office in Hamilton County is named for East Ridge or Hamilton County.

One other authority has an office in Hamilton County: see the list Source: HUD

Cities

Other cities in Hamilton County

These cities are also in Hamilton County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Hamilton County Housing in Tennessee

Nearby cities

The cities closest to East Ridge, with the typical home value.

Neighboring counties

If Hamilton County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in East Ridge.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about East Ridge

Short answers with the numbers for East Ridge and all of Hamilton County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in East Ridge?

The typical home value in East Ridge is $211,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hamilton County it is $312,800.

How much does it cost to rent in East Ridge?

Typical rent in East Ridge is $1,147 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hamilton County is $1,340.

What is the FHA loan limit in East Ridge?

East Ridge uses the FHA limit for all of Hamilton County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in East Ridge?

The typical homeowner in East Ridge pays $1,555 a year, according to the U.S. Census Bureau. That is 0.74% of the home’s value; in Hamilton County, the rate is 0.62%.

Where can I find free help to buy or rent in East Ridge?

There are 2 HUD-approved counseling agencies with an office in Hamilton County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).