Chattanooga Homes under $400,000

Welcome to Chattanooga, Tennessee – a vibrant city nestled between the scenic ridges of the Appalachian Mountains and the sparkling waters of the Tennessee River. Known for its rich history, stunning landscapes, and a thriving cultural scene, Chattanooga offers an exceptional quality of life for residents and newcomers alike. With a population that embraces diversity and community spirit, this charming city is perfect for families, young professionals, and retirees looking for a welcoming place to call home.

One of the most appealing aspects of Chattanooga is its affordable housing market. For those seeking homes under $400,000, the city boasts a variety of options that cater to different tastes and lifestyles. From quaint bungalows in historic neighborhoods like North Chattanooga to modern townhomes in the bustling downtown area, there’s something for everyone. Families can explore spacious single-family homes with yards, while young professionals may prefer sleek condos with stunning city views.

Chattanooga is more than just a place to live; it’s a lifestyle. Residents enjoy access to outdoor adventures, with the nearby Lookout Mountain offering hiking, rock climbing, and breathtaking vistas. The city’s vibrant arts scene, highlighted by the Hunter Museum of American Art and numerous galleries, complements its rich culinary offerings, featuring everything from farm-to-table restaurants to lively food markets.

With a strong sense of community and an abundance of amenities, Chattanooga is a fantastic place to find your next home. Discover the charm of this beautiful city and explore the incredible homes available under $400,000 – your dream home awaits!

Newest Chattanooga Homes under $400,000

$374,990

4 Beds ⋅ 3 Baths ⋅ 1543957 MLS

Move-in ready December! The Coleman plan in Ryall Branch, located in the heart of East Brainerd, offers the kind of space, functionality, and everyday comfort you have been searching for. Just minutes from local dining, grocery stores, shopping, and convenient access to I-75, this home delivers both accessibility and value in one of Chattanooga's most popular areas. From the moment you step inside, the home feels open, comfortable, and easy to live in. A welcoming formal dining room creates the perfect space for entertaining. Just beyond the powder room and coat closet, the space opens into an airy main living area filled with natural light from added family room windows. The chef inspired kitchen was designed to be both stylish and practical, featuring granite countertops, upgraded cabinetry, a designer tile backsplash, and kitchen island with pendant lighting. The space seamless flows into the breakfast area and spacious family room, making every day routines and entertaining feel effortless. Upstairs, the private owner's suite offers a relaxing escape with a spa-inspired bath featuring dual vanities, an oversized tiled shower with bench seat, and a large walk-in closet. Three additional bedrooms provide flexibility for family, guests, hobbies, or extra workspace, giving you endless possibilities. Iron stair rails, luxury vinyl plank flooring, elevated finishes, and carefully selected details throughout give the home a polished, modern feel while still feeling warm and inviting. Outside, enjoy a covered patio and a lower maintenance homesite that allows for outdoor enjoyment. Take advantage of exclusive seller incentives when using the preferred lender. Photos representative of plan not actual home being built.

8696 Ryall Drive, Chattanooga

$334,990

3 Beds ⋅ 2 Baths ⋅ 1543956 MLS

Move in Ready December! The Foxcroft plan, located in Ryall Branch, in the highly sought after East Brainerd. The efficiently designed Foxcroft offers a lot of home at a great value. This home's open living design functions nicely, featuring a popular open-concept kitchen, a center island for countertop dining, and an adjacent breakfast nook and family room, making the space perfect for entertaining. The well-equipped kitchen features upgraded 42'' upper cabinets with a quartz countertop, an elegant backsplash, and stainless-steel appliances. Step outside from the family room onto your covered back patio, perfect for your morning cup of coffee or relaxing into the evening. Upgraded vinyl plank flooring offers a seamless transition from room to room throughout the entire home. The spacious primary suite with walk-in closet and spa-like ensuite bathroom creates a true retreat with a large tiled shower. Two additional bedrooms, an additional full bath and laundry complete this home for ideal single level living. With 9ft ceiling heights. Photos representative of plan not of actual home being built. Wonderful opportunity to own new construction. Seller incentives with use of preferred lender.

8690 Ryall Drive, Chattanooga

4005 Creekwood Terrace Lane, Chattanooga

$290,000

4 Beds ⋅ 3 Baths ⋅ 1543953 MLS

Single-level living meets unbeatable convenience in this 4-bedroom, 3-full-bath brick rancher! Set on a spacious half-acre, fully fenced lot, this home offers plenty of room to spread out while keeping everyday living easy. LVP flooring runs throughout, and abundant storage adds practicality for busy households. Enjoy being within walking distance of South Chickamauga Creek for kayaking, paddle boarding, and outdoor adventures. Centrally located with easy access to East Brainerd, Hixson, downtown Chattanooga, and beyond, this home makes commuting and exploring the city a breeze. The roof over the porch was replaced in 2024, adding peace of mind. If you're looking for space, convenience, and one-level living, this one is ready for you!

4005 Creekwood Terrace Lane, Chattanooga

$299,900

3 Beds ⋅ 2 Baths ⋅ 1543948 MLS

Welcome to the heart of Chattanooga's thriving Glass Farms District, one of the city's most exciting emerging neighborhoods, where revitalization and investment continue to shape the future. Ideally situated just one block from the Glass Street Collective, this exceptional residence places you within easy reach of local restaurants, boutiques, community gathering spaces, and the energy of one of Chattanooga's fastest-growing corridors. Beautifully reimagined from the ground up, this home seamlessly blends timeless architectural character with sophisticated modern living. Original fireplaces and custom built-in cabinetry have been thoughtfully preserved, adding warmth, charm, and a sense of history, while an extensive renovation introduces contemporary finishes and designer fixtures throughout. Every detail has been carefully selected to create a home that honors its heritage while offering the comfort, style, and quality today's discerning buyers expect. New appliances to be installed prior to closing. This is a rare opportunity to own a beautifully restored home in one of Chattanooga's most promising and vibrant communities.

2708 N Chamberlain Avenue, Chattanooga

$249,500

2 Beds ⋅ 2 Baths ⋅ 1543938 MLS

Personal Interest -Listing agent is related to the seller. Here is a great, low maintenance 2-bedroom, 1.5 bathroom townhome in close proximity to downtown Chattanooga, Hamilton Place, local Hixson amenities, top restaurants, shopping, and parks. This spacious home features an open-concept living room and kitchen. The main level boasts hardwood flooring, a half bath, a laundry room, and a kitchen equipped with stainless steel appliances, a spacious breakfast counter, and ample room for a dining table. The upper level includes a full bath and two generously sized, carpeted bedrooms. The primary bedroom features a large walk-in closet, while the second bedroom offers two large closets. Additional updates and features include: - A newly installed HVAC unit - Fresh interior and exterior paint in select areas - Outdoor living space options, including a large front porch and a back deck for grilling out - Lots of storage space Make your appointment today before you miss this opportunity. TV stand/Fire place display in living room will not remain with property.

4114 Watson Road, Chattanooga

$384,900

4 Beds ⋅ 3 Baths ⋅ 1543905 MLS

To be built. Personalize your new home from the ground up with the Geneva by Parkside Builders. For a limited time, receive $10,000 toward closing costs or design upgrades when using the builder's preferred lender and title company. This home may also qualify for Chattanooga's Down Payment Assistance Program in conjunction with THDA financing (up to $15,000). See agent for details. Designed for today's lifestyle, the Geneva offers 4 bedrooms, 2.5 baths, a main level primary suite, an upstairs bonus room, and a 1 car garage with an additional parking pad. The open concept layout is ideal for both everyday living and entertaining, while included features such as engineered hardwood flooring and solid hardwood stairs add timeless style and value. As a to be built home, you'll have the opportunity to personalize your finishes and select available design options to create a home that reflects your style and needs. Located in Givens Park, an intimate East Brainerd community of just 28 homes, residents enjoy beautifully landscaped homesites, a peaceful walking trail, and convenient access to Hamilton Place, Trader Joe's, Whole Foods, local restaurants, coffee shops, and the highly sought after East Brainerd schools. Don't miss the opportunity to build your dream home with Parkside Builders in one of Chattanooga's most desirable locations.

971 Fortitude Trail 17, Chattanooga

$250,000

3 Beds ⋅ 2 Baths ⋅ 1543885 MLS

Whether you are looking for primary residence in a super convenient Red Bank neighborhood or an investment property to add to your portfolio, then this 3 bedroom, 2 bath, split-level home with a double garage could be the opportunity that you have been seeking! Your tour begins with the entry from the front porch to the living room which has LVP flooring, crown molding, a mountain stone fireplace and opens to the breakfast/dining room and kitchen. The dining area has wonderful natural lighting with a sliding glass door to the deck, and the kitchen is cottage -style with tile countertops, glass display cabinetry, stainless appliances and access to the ''basement'' garage with laundry area. A dew steps up, you will find the primary suite which has a private bath with a tiled shower, 2 additional bedrooms and a hall bath with a furniture vanity and a tub/shower combo with tile. There is a patio area on the lower-level overlooking the back yard which is wooded in back providing a nice privacy buffer. Close to the schools, shopping, restaurants an easy commute to both Hixson and downtown Chattanooga, so please call for more information and to schedule your private showing today. Information is deemed reliable but not guaranteed. Buyer to verify any and all information they deem important.

3418 Martin Road, Chattanooga

$290,000

2 Beds ⋅ 2 Baths ⋅ 1543884 MLS

This modern two bedroom condo puts downtown Chattanooga right at your doorstep in this spacious two-bedroom unit-- a convenient walk to UTC and all the shops, restaurants, and gathering spots along MLK Blvd! Whether you're looking for a place to call home or a solid low maintenance rental investment, this unit with two private bedroom suites offers a flexible layout for roommates or guests. Nine-foot ceilings and hardwood flooring create an inviting, open living and dining area, complemented by a kitchen with granite countertops, stainless steel appliances, abundant cabinetry, and bar-top seating. The primary suite features a spacious walk-in closet leading to its private full bath, while sliding glass doors open the living room to a covered deck. Add to this an in-unit stackable washer and dryer, reserved off-street parking, and secure building access for everyday convenience. Pets are allowed, and the unit is eligible for FHA financing--an appealing opportunity to enjoy downtown living close to campus, dining, and entertainment.

863 Flynn Street Apt 204, Chattanooga

$300,000

2 Beds ⋅ 1 Baths ⋅ 1543874 MLS

Welcome to 611 Tremont Street, a charming home in one of Chattanooga's most sought-after NorthShore locations. Full of character and warmth, this cozy property offers an incredible opportunity to enjoy the convenience and lifestyle that make this area so desirable. Located just minutes from the heart of NorthShore, you'll have easy access to local restaurants, coffee shops, boutiques, parks, the Tennessee River, and downtown Chattanooga. The home is also zoned for the highly regarded Normal Park Lower School and Normal Park Upper School, adding even more appeal to this established neighborhood. Inside, you'll find a home with personality, charm, and inviting spaces that feel comfortable from the moment you walk through the door. Whether you're looking for a place to make your own, a property with potential to update over time, or an investment in a highly desirable Chattanooga location, 611 Tremont Street offers plenty of possibilities. With its prime NorthShore location, sought-after school zoning, neighborhood character, and investment potential, this is an opportunity to own a piece of one of Chattanooga's most loved communities.

611 Tremont Street, Chattanooga

$209,000

3 Beds ⋅ 2 Baths ⋅ 1543861 MLS

Opportunity Knocks at 1008 Hurst St! Conveniently located near the Chattanooga Red Wolves Stadium, interstate access, and exciting new developments, this home offers incredible potential in a growing area. Inside, you'll find beautiful hardwood floors, a spacious kitchen, and a cozy screened porch perfect for relaxing. Step outside to enjoy the level, fenced backyard -- ideal for pets, play, or entertaining. Whether you're looking for an investment opportunity or a place to make your own, this property is full of possibilities. HVAC was replaced in 2021. Home is being sold in its as/is condition. Information is deemed to be reliable, but is not guaranteed. Buyer should verify any information of concern, including but not limited to schools and square footage.

1008 Hurst Street, Chattanooga

$179,900

3 Beds ⋅ 2 Baths ⋅ 1543856 MLS

Updated 3 bedroom, 2 bath home on a corner lot only 10 minutes from downtown Chattanooga. This one level home now has refinished hardwoods and LVP, a new water line, new plumbing, new HVAC, new water heater, new cabinetry and vanities, new light fixtures, fresh paint inside and out, a new gravel parking area and more. The floor plan boasts entry from a covered front porch to the living room, a kitchen with painted cabinetry, wood countertops and white appliances, a laundry room with secondary access to the exterior and the side yard, 2 bedrooms that share the use of the hall bath with new furniture style vanity and a tub/shower with tile, and a 3rd smaller bedroom with a private bath that has a separate shower and would also be perfect as an office or playroom. Whether you are looking for a convenient primary residence or a home to add to your rental portfolio, then this could be the opportunity you have been seeking, so please call for more information and to schedule your private showing today. Information is deemed reliable but not guaranteed. Buyer to verify any and all information they deem important.

1701 Stanfiel Street, Chattanooga

$374,900

3 Beds ⋅ 3 Baths ⋅ 1543851 MLS

Move in ready and available now! Fully Upgraded with Patio. Receive $7,000 toward closing costs with an acceptable offer. This home may also qualify for Chattanooga's Down Payment Assistance Program in conjunction with THDA financing (up to $15,000!). See agent for details. The Anderson by Parkside Builders offers the perfect blend of style and functionality with 3 bedrooms, 2.5 baths, and a 1 car garage. The open concept main living area is designed for effortless entertaining, featuring a spacious kitchen with an oversized island. Upstairs, you'll find comfortable bedrooms and thoughtfully designed living spaces that fit today's lifestyle. Located in Givens Park, an intimate boutique community in the heart of East Brainerd, homeowners enjoy beautifully landscaped homesites, a peaceful walking trail, and the charm of a neighborhood with just 28 crafted single-family homes. Everyday conveniences are just minutes away, including Hamilton Place, Trader Joe's, Whole Foods, HomeGoods, local restaurants, and fresh markets. Families will also appreciate the highly sought after East Brainerd schools. Don't miss your opportunity to own a brand-new Parkside Builders home in one of Chattanooga's most desirable locations. Model/Office hours are Wednesday - Saturday 10-5 Sunday-12-5

1027 Fortitude Trail 10, Chattanooga

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Listing data is derived in whole or in part from NALMLS and is for consumers' personal, non-commercial use only. All data should be independently verified..

This information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but not guaranteed.