Chattanooga Homes under $400,000

Welcome to Chattanooga, Tennessee – a vibrant city nestled between the stunning Appalachian Mountains and the Tennessee River. Known for its rich history, picturesque landscapes, and a thriving arts scene, Chattanooga offers a unique blend of Southern charm and modern amenities. The city has garnered national attention for its revitalized downtown area, outdoor recreational opportunities, and a strong sense of community.

Chattanooga is perfect for families, young professionals, and retirees alike, with a plethora of activities to enjoy. From the breathtaking views atop Lookout Mountain to the engaging exhibits at the Tennessee Aquarium, there’s something for everyone. The city is also home to an array of parks, hiking trails, and scenic waterways, making it an outdoor enthusiast's paradise.

For those looking to plant their roots in this enchanting city, you'll be thrilled to discover an impressive selection of homes available for under $400,000. Whether you’re searching for a charming historic bungalow, a modern townhouse, or a spacious single-family home, Chattanooga’s real estate market offers diverse options to suit any lifestyle.

With affordable housing and a cost of living below the national average, you can enjoy the best of both worlds – a vibrant city life coupled with the comforts of home. Experience the warmth of Southern hospitality and the allure of Chattanooga living, where your dream home awaits just around the corner. Come explore the possibilities and find your perfect slice of Tennessee paradise!

Newest Chattanooga Homes under $400,000

$389,000

3 Beds ⋅ 2 Baths ⋅ 1543999 MLS

Sometimes you see a home and immediately understand how well cared for it is. Inviting from the moment you walk in the door, bright and open, meticulously maintained, and in an established neighborhood with sought after school zones; This is 8930 Chaffin Lane. The long list of updates the current owners have made to this cozy, move in ready home are both functional and fashionable. Be sure to take a look at the list of updates in the documents or ask your agent for a copy. Outdoor enjoyment spaces abound: enjoy an evening by the fire pit out back as fall cools off, dine on the completely rebuilt composite deck with privacy wall, or enjoy dinner right off the kitchen in the screened-in patio. As you enter the front door, you can't help but notice the soaring ceilings with decorative beams. Downstairs there are two bedrooms with a shared bath, both well sized and newly carpeted. The dining room flows with the kitchen thanks to a recent opening of the space that allows natural light in. The kitchen has ample space and layout for all your cooking needs. Upstairs the VERY large primary suite has it's own Juliette balcony with sliding screen door to let the breeze in, and a large primary bath and walk in closet en suite. Across the catwalk is a fourth room that could be used as an office, nursery, or bonus room...the possibilities are endless. Again, the list of updates is far too many to list here! They include items that ensure the home is functional and cared for in the years to come: back yard cleared out and made significantly more functional and enjoyable, popcorn ceilings removed in most areas, bathrooms updated and retiled, a whole house water filtration added, insulation added to the attic, fixtures and electrical updates, RoofMaxx treatment sealant on the roof, and so much more! Zoned for Westview and Ooltewah high, move into a well established neighborhood and make this lovely home yours!

8930 Chaffin Lane, Chattanooga

$315,000

3 Beds ⋅ 2 Baths ⋅ 1543981 MLS

Own a nearly new home without the new-construction price tag! Just 3 years old and minutes from Downtown, this well-maintained 3-bedroom sits on an established street with a private lot and winter views of the ridge. The Hardie board exterior is a rare find in this price range and keeps maintenance to a minimum. Out back, a sizable screened-in porch is ready for morning coffee or relaxed evenings outdoors. Inside, the spacious living area flows into a beautiful kitchen with granite countertops, a tile backsplash, and a peninsula with seating for casual meals and entertaining. The primary bedroom offers two full-sized closets and a double vanity. The two additional bedrooms are tucked away from the primary and share a full bath with a tub and single vanity, giving buyers flexibility for guests, a home office, or family. Great value, a convenient location, and a newer home that's easy to maintain. Schedule your showing today!

2832 Ridgemont Drive, Chattanooga

$388,000

3 Beds ⋅ 3 Baths ⋅ 1543980 MLS

Under construction in East Brainerd! The Alder offers 1,878 sq ft of thoughtfully designed living space, with a primary suite on the main level for everyday comfort and convenience. A large, spacious living room provides plenty of room to gather, while 2-3 bedrooms upstairs offer flexibility for guests, a home office, or additional living needs. Enjoy morning coffee on the large front porch or unwind on the covered back porch. A one-car garage adds convenience to this inviting new home at Davidson Meadows, where sidewalks, limited through-traffic, and a level, walkable setting make it easy to feel at home.

864 Gardenview Way 009, Chattanooga

$299,900

3 Beds ⋅ 3 Baths ⋅ 1543417 MLS

Welcome to the Elmwood at Davidson Meadows by Banner Built Homes--an attainable new home starting at $299,900. With 1,298 square feet, 3 bedrooms, and 2.5 baths, the Elmwood offers room to settle in and make it your own. Davidson Meadows is a level, walkable community with looped cul-de-sac streets, limited through-traffic, and sidewalks on both sides of every street. Whether you're heading out for an evening stroll or enjoying time at home, the Elmwood offers an inviting place to start your next chapter. Ask about building an Elmwood at Davidson Meadows.

868 Gardenview Way 008, Chattanooga

$399,000

1 Beds ⋅ 2 Baths ⋅ 3611303 MLS

COMING SOON! Showings begin on October 19th. Enjoy beautiful brow views from 713 Lower Cravens Terrace! This bungalow home atop Lookout Mountain offers 1,176 square feet of comfortable living space with a refreshed interior and an inviting, open layout. The property features convenient open-space parking plus an additional parking pad to provide ample room for vehicles, with the potential to add a detached garage. With its refreshed interior, flexible living space, and scenic Lookout Mountain brow views, this home offers a wonderful opportunity for a primary residence, second home, or investment property.

713 Lower Cravens Ter, Chattanooga

$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 ⋅ 3611155 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

$290,000

4 Beds ⋅ 3 Baths ⋅ 1543953 MLS

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

$400,000

3 Beds ⋅ 2 Baths ⋅ 1543918 MLS

Showings start 10/9/26. (Information is deemed reliable but not guaranteed. Buyer should verify any information of concern, including but not limited to schools and square footage)

1519 Morris Hill Road, Chattanooga

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Information Is Believed To Be Accurate But Not Guaranteed. Some or all listings may or may not be listed by the office/agent presenting these featured properties. Copyright 2026 MTRMLS, Inc. RealTracs Solutions.