Tennessee

Tax credit apartments in Chattanooga, TN

HUD's database lists 34 properties in Chattanooga built or rehabbed with low-income housing tax credits: 2,985 apartments, 2,945 of them income-restricted. Rents in those units are capped while each property's affordability agreement runs, and you qualify by income; many properties still keep waiting lists.

Equal housing opportunity. Tax credit properties must follow the Fair Housing Act, which bars discrimination because of race, color, religion, sex, disability, familial status or national origin, and they may not refuse an applicant because the applicant holds a Housing Choice (Section 8) voucher (IRC 42(h)(6)(B)(iv)). Properties HUD lists as senior housing may limit who lives there by age only as the Fair Housing Act's housing-for-older-persons exemption allows. To report housing discrimination, call HUD at 1-800-669-9777.

LIHTC Atlas does not own, manage or rent these apartments and does not take applications. Contact each property's management for availability, rents and income rules. Listings come from HUD's database and may be out of date.

Alexian Court Apts

4603 St Elmo Ave, Chattanooga, TN 37409

2 studio, 23 1BR, 22 2BR

Apartments: 47
Income-restricted: 47
Placed in service: 2003

Alton Place Apts

233 Croll Ct, Chattanooga, TN 37410

67 2BR, 21 3BR

Apartments: 88
Income-restricted: 88
Placed in service: 2012

Bayberry Apartments

2300 Wilson Street, Chattanooga, TN 37406

24 1BR, 105 2BR, 35 3BR

Apartments: 164
Income-restricted: 163
Placed in service: 2017

Boynton Overlook

1201 Boynton Dr, Chattanooga, TN 37402

15 studio, 123 1BR, 24 2BR

Apartments: 160
Income-restricted: 162
Placed in service: 2004

Campbell Ridge Apartments

3401 Campbell St., Chattanooga, TN 37406

16 1BR, 110 2BR, 16 3BR

Apartments: 142
Income-restricted: 142
Placed in service: 2022

Chestnut Flats

2120 Chestnut St., Chattanooga, TN 37408

93 1BR, 60 2BR, 46 3BR

Apartments: 199
Income-restricted: 199
Placed in service: 2019

Cne Affordable Housing VII

779 E Martin L King Blvd, Chattanooga, TN 37403

14 2BR, 6 3BR

Apartments: 20
Income-restricted: 20
Placed in service: 2001

Cromwell Hills

3940 Camellia Drive, Chattanooga, TN 37421

42 1BR, 108 2BR, 40 3BR, 10 4BR

Apartments: 200
Income-restricted: 200
Placed in service: 2021

Cummings Place Apts

22 Starview Ln, Chattanooga, TN 37419

71 2BR, 21 3BR

Apartments: 92
Income-restricted: 92
Placed in service: 2007

Dodson Avenue Apts

457 Dodson Ave, Chattanooga, TN 37404

28 2BR, 12 3BR

Apartments: 40
Income-restricted: 40
Placed in service: 2000

Emerald Villages - Glenwood East

2516 Judson Lane, Chattanooga, TN 37406

18 2BR, 10 3BR, 1 4BR

Apartments: 29
Income-restricted: 29
Placed in service: 2020

Emerald Villages - Glenwood North

107 Devel Lane, Chattanooga, TN 37405

8 2BR, 4 3BR, 2 4BR

Apartments: 14
Income-restricted: 14
Placed in service: 2020

Emerald Villages - Missionary Heights

500 Latimore Street, Chattanooga, TN 37406

30 2BR, 14 3BR

Apartments: 44
Income-restricted: 44
Placed in service: 2020

Emerald Villages - Woodside

3012 Woodside Street, Chattanooga, TN 37407

10 2BR, 6 3BR, 8 4BR

Apartments: 24
Income-restricted: 24
Placed in service: 2020

Fifth Street Rental

522 E Fifth St, Chattanooga, TN 37403

13 studio, 5 1BR, 2 2BR

Apartments: 20
Income-restricted: 20
Placed in service: 1997

Fort Negley Apts Phase I

1514 Mitchell Ave, Chattanooga, TN 37408

12 2BR, 1 4BR

Apartments: 13
Income-restricted: 13
Placed in service: 1993

Granite Heights

1404 2 N Chamberlain Ave, Chattanooga, TN

12 2BR, 48 3BR

Apartments: 60
Income-restricted: 60
Placed in service: 2001

Greenwood Terrace

3008 Dee Dr, Chattanooga, TN 37406

58 2BR, 32 3BR, 8 4BR

Apartments: 98
Income-restricted: 98
Placed in service: 2008

Highlands Apts

1900 Block S Kelly St, Chattanooga, TN

16 1BR, 32 2BR, 24 3BR

Apartments: 72
Income-restricted: 72
Placed in service: 2007

Hill City Rental

16 Wert St, Chattanooga, TN 37405

4 2BR, 14 3BR

Apartments: 18
Income-restricted: 18
Placed in service: 1996

Hill City Terrace

610 Merriam St, Chattanooga, TN 37405

4 2BR, 14 3BR

Apartments: 18
Income-restricted: 18
Placed in service: 2000

Hillsdale Place Apts

1524 Old Ringgold Rd, Chattanooga, TN 37404

8 1BR, 16 2BR, 8 3BR

Apartments: 32
Income-restricted: 32
Placed in service: 2007

Hixson Court Apts

3825 Hixson Pike, Chattanooga, TN 37415

Apartments: 108
Income-restricted: 108
Placed in service: 2007

Jaycee Tower

500 W. Martin Luther King Blvd, Chattanooga, TN 37402

HUD lists it as senior housing · 70 studio, 132 1BR

Apartments: 202
Income-restricted: 161
Placed in service: 2017

Johnson Apts (Chattanooga)

2195 Camden St, Chattanooga, TN 37406

38 2BR, 19 3BR

Apartments: 57
Income-restricted: 57
Placed in service: 2007

Maple Hill Apts

1993 Maple Hills Way, Chattanooga, TN 37406

35 2BR, 13 3BR

Apartments: 48
Income-restricted: 48
Placed in service: 2012

Mitchell & Read Quads

1711 Read Ave, Chattanooga, TN 37408

20 3BR

Apartments: 20
Income-restricted: 20
Placed in service: 1997

Patten Towers Apts

1 E 11th St, Chattanooga, TN 37402

32 studio, 188 1BR, 1 2BR

Apartments: 221
Income-restricted: 221
Placed in service: 1996

Rainbow Creek Apts

7604 Standifer Gap Rd, Chattanooga, TN 37421

112 2BR, 38 3BR

Apartments: 150
Income-restricted: 150
Placed in service: 2000

Stoneridge Park Apts

1020 W 37th St, Chattanooga, TN 37410

10 1BR, 36 2BR, 24 3BR

Apartments: 70
Income-restricted: 70
Placed in service: 2005

The Reserve At Mountain Pass

4905 Central Avenue, Chattanooga, TN 37410

117 2BR, 123 3BR

Apartments: 240
Income-restricted: 240
Placed in service: 2024

Villages At Alton Park Phase I

301 Water St, Chattanooga, TN 37410

15 1BR, 20 2BR, 34 3BR, 3 4BR

Apartments: 72
Income-restricted: 72
Placed in service: 2005

Villages At Alton Park Phase II

3750 Hughes Ave, Chattanooga, TN 37410

12 1BR, 47 2BR, 38 3BR, 4 4BR

Apartments: 101
Income-restricted: 101
Placed in service: 2005

Villages At Alton Park Phase III

3750 Hughes Ave, Chattanooga, TN 37410

8 1BR, 46 2BR, 44 3BR, 4 4BR

Apartments: 102
Income-restricted: 102
Placed in service: 2006

Source: HUD's national LIHTC database (LIHTCPUB, revised May 28, 2026; projects placed in service through 2024). Properties a state agency has flagged as no longer monitored are left out; properties placed in service after 2024 are not in HUD's database yet.

How tax credit apartments work

Each income-restricted unit has a maximum rent set from the area's income limits: gross rent, including a utility allowance for tenant-paid utilities, can't go above 30% of the income limit for the unit's size. The rent doesn't change with your own income, so a household near the bottom of the range pays the same rent as one near the top. That's different from public housing or a voucher, where you pay a share of what you earn.

To qualify, your household's income has to be at or under the limit the unit is set at, usually 50% or 60% of the area median, and up to 80% in some buildings. Management checks income, and assets, when you apply. A household made up entirely of full-time students generally can't qualify, with exceptions in IRC 42(i)(3)(D) such as single parents and married students filing jointly. More on qualifying.

You can apply with a Housing Choice voucher, and the property can't turn you down because you have one.