Upper-half FMR gap - Chattanooga, TN-GA MSA
Displayed gap in Chattanooga, TN-GA MSA: +31.4% (HUD $1,390 vs ACS $1,058) · counties in FMR rows: Catoosa County, Dade County, Hamilton County, Marion County, Sequatchie County, Walker County .
FMR gap dispatch plate
CBSA 16860 · Chattanooga, TN-GA -31.4% shortfall
GAP-GENEROUS · FMR-ABOVE · SPREAD-PLUS · PHOTO-FINISH · COUNTY-MID · BOOK-FULL
- GAP-GENEROUS 31.4% surplus
- FMR-ABOVE #243/396 · P61
- SPREAD-PLUS +$332
- PHOTO-FINISH Cleveland
- COUNTY-MID 6 counties
- BOOK-FULL HUD+ACS pair
Nearest shortfall peer: Cleveland, TN Metro Area (+0.1pp)
HUD's reference overshoots the ACS median by $332/mo. Lease-up odds are usually better than in shortfall markets, though still compare Cleveland, TN Metro Area before assuming portability helps.
Instrument codes from this metro’s HUD FMR vs ACS shortfall band, national FMR quartile, dollar spread, gap peer, county footprint, and book completeness, not a moving recommendation.
Shortfall neighbourhood around Chattanooga, TN-GA
Metros nearest this CBSA on voucher-vs-market shortfall (HUD FMR vs ACS 2-BR median). Full ladder: /gap/.
- Flagstaff -31.22
Flagstaff: -31.2% shortfall
-31.22 % shortfall
- Cleveland -31.31
Cleveland: -31.3% shortfall
-31.31 % shortfall
- Chattanooga · this metro -31.38
Chattanooga · this metro: -31.4% shortfall
-31.38 % shortfall
- Reading -31.58
Reading: -31.6% shortfall
-31.58 % shortfall
- Morristown -31.67
Morristown: -31.7% shortfall
-31.67 % shortfall
How does Chattanooga, TN-GA compare with nearby FMR areas?
These are the twelve metros closest to Chattanooga, TN-GA on the displayed voucher-vs-market margin. Their county lists are HUD FMR-area coverage, not a claim that the markets are interchangeable.
- Cleveland, TN Metro Area
-31.3% shortfall · HUD $1,233 vs ACS $939 · $+$294/mo
HUD FMR-area counties: Bradley County, Polk County.
- Flagstaff, AZ Metro Area
-31.2% shortfall · HUD $1,921 vs ACS $1,464 · $+$457/mo
HUD FMR-area counties: Coconino County.
- Reading, PA Metro Area
-31.6% shortfall · HUD $1,575 vs ACS $1,197 · $+$378/mo
HUD FMR-area counties: Berks County.
- Morristown, TN Metro Area
-31.7% shortfall · HUD $1,135 vs ACS $862 · $+$273/mo
HUD FMR-area counties: Hamblen County, Jefferson County.
- Cape Coral-Fort Myers, FL Metro Area
-31.1% shortfall · HUD $1,961 vs ACS $1,496 · $+$465/mo
HUD FMR-area counties: Lee County.
- Merced, CA Metro Area
-31.0% shortfall · HUD $1,503 vs ACS $1,147 · $+$356/mo
HUD FMR-area counties: Merced County.
- Sacramento-Roseville-Folsom, CA Metro Area
-31.7% shortfall · HUD $2,255 vs ACS $1,712 · $+$543/mo
HUD FMR-area counties: El Dorado County, Placer County, Sacramento County.
- Sebring, FL Metro Area
-31.0% shortfall · HUD $1,271 vs ACS $970 · $+$301/mo
HUD FMR-area counties: Highlands County.
- Yuba City, CA Metro Area
-31.0% shortfall · HUD $1,550 vs ACS $1,183 · $+$367/mo
HUD FMR-area counties: Sutter County, Yuba County.
- Staunton-Stuarts Draft, VA Metro Area
-30.9% shortfall · HUD $1,261 vs ACS $963 · $+$298/mo
HUD FMR-area counties: Augusta County, Staunton city, Waynesboro city.
- Rome, GA Metro Area
-31.9% shortfall · HUD $1,192 vs ACS $904 · $+$288/mo
HUD FMR-area counties: Floyd County.
- Erie, PA Metro Area
-31.9% shortfall · HUD $1,212 vs ACS $919 · $+$293/mo
HUD FMR-area counties: Erie County.
Source: HUD USER FY2026 Fair Market Rent area records and Census ACS 2019–2023 median gross rent.
TN FMR scale context
These are the closest FY2026 2-BR FMR values in TN; they help place this HUD reference on its state scale, but do not substitute for each metro’s ACS rent comparison.
- Clarksville, TN-KY HUD Metro FMR Area $1,346 (−$44)
- Knoxville, TN HUD Metro FMR Area $1,471 (+$81)
- Memphis, TN-MS-AR HUD Metro FMR Area $1,274 (−$116)
- Jackson, TN HUD Metro FMR Area $1,260 (−$130)
- Cleveland, TN MSA $1,233 (−$157)
- Morristown, TN HUD Metro FMR Area $1,135 (−$255)
- Johnson City, TN MSA $1,132 (−$258)
- Nashville-Davidson--Murfreesboro--Franklin, TN HUD Metro FMR Area $1,730 (+$340)
- Kingsport-Bristol, TN-VA MSA $1,044 (−$346)
Low-FMR contrast (scale only)
Boone County, WV HUD Metro FMR Area ($869 2-BR); Champaign-Urbana, IL HUD Metro FMR Area ($1,122 2-BR); Ashtabula County, OH HUD Metro FMR Area ($1,037 2-BR); Benton County, IA HUD Metro FMR Area ($956 2-BR) . Opposite-quartile FMR metros for scale, not gap substitutes for Chattanooga, TN-GA MSA.
Chattanooga, TN-GA MSA gap inputs
- HUD 2-BR FMR (FY2026): $1,390/mo
- ACS 2019–2023 2-BR median: $1,058/mo
- Displayed gap: +31.4%
- National FMR percentile: 61 (#243/396)
displayed % = (HUD 2-BR − ACS 2-BR median) / ACS median × 100
Issuing PHAs for Chattanooga, TN-GA MSA
TN HCV agencies (scale-keyed)
Full payment standards for Chattanooga, TN-GA MSA · Payment standards vs FMR
Source: HUD USER Fair Market Rent FY2026, Census ACS median gross rent. Gap is PlainVoucher-derived. Methodology.
Disclaimer. For informational purposes only, not a substitute for PHA counseling or legal advice. Median gross rent reflects rents paid by current tenants; asking rents for available units typically run higher. Actual PHA payment standards can differ from HUD FMR by ±10%. Always confirm the current payment standard with your PHA. PlainVoucher is not affiliated with HUD or any PHA.