Counties / Georgia / Walker County

Walker County, GA

FIPS 13295 · population 68,762 · part of Chattanooga, TN

$246k
Zillow home value · 2026-06
The numbers

What this county costs and earns

Everything here joins on the county FIPS code, so each figure comes from the agency that publishes it with no name matching in between.

Zillow home value
$246k
▲ 1.7% year over year
Zillow ZHVI · direct
Median asking rent
$1,362
▼ 1.5% year over year
Zillow ZORI · direct
Gross yield
6.6%
annual rent ÷ price, before costs
derived: rent × 12 ÷ price ✓
HUD 2-bed standard
$1,390
market rent is 0.98x the standard
HUD Fair Market Rent · direct
Independent price check

Do two methods point the same way?

Zillow estimates a current home value. FHFA tracks repeat mortgage transactions. Their growth rates should be read side by side, not averaged.

Both annual signals move in the same direction
FHFA five-year cumulative+70.3%not annualized · through 2025
0%ZILLOW ZHVI2026-06+1.7%FHFA HPI2025+3.8%
Annual changes use different methods and may use different periods. The comparison checks direction and magnitude; it does not create a blended estimate. Zillow county ZHVI pulled 2026-07-26; FHFA annual county HPI pulled 2026-07-28.
Owner-reported value$197k
Surveyed gross rent$940
Rent burden 30%+47.0%
Median year built1978
Housing composition

Who occupies the stock—and what it is

ACS 2024 5-year
11.2%vacant
29,669estimated housing units
Occupied tenure22.8% renter
owner 77.2%renter 22.8%
Structure mix78.6% single-family
Single-family 78.6%20+ units 1.5%Mobile home 13.8%Other 6.1%
ACS estimates describe the standing housing stock and occupied tenure. They do not measure current listings, transaction prices or asking rents.

Survey source: Census ACS 5-year — county housing value, tenure and stock · ACS 2024 5-year · pulled 2026-07-30. These values describe different housing universes and are not combined into gross yield.

Annual average covered jobs14,866▼ 0.4% from the prior annual release
Covered establishments931annual average reporting locations
Average weekly wage$913▲ 3.8% from the prior annual release
Largest private supersectorManufacturing42.3% of disclosed private covered jobs
Local labor base

Jobs, pay and private-sector concentration

2025
0%COVERED JOBS−0.4%WEEKLY WAGE+3.8%Manufacturing42.3%
Annual QCEW counts cover jobs located at reporting establishments. The industry share uses disclosed private covered employment; it is not a resident-employment measure or a forecast.

Workplace source: BLS QCEW — county employment and wages · annual county employment and wages 2025 vs 2024 · pulled 2026-07-31. QCEW counts covered jobs located in the county, not employed residents or the metro score’s CES/LAUS series.

County brief

What the local evidence says

01Decision frame

Walker County’s decision tension is a positive value signal against softening rental economics and a less-tight listing market. Cost-focused operators should investigate property-level expenses, while headline-yield or rapid-resale cases require caution. Zillow’s county median home value was $246,284 in 2026-06, up 1.69% year over year. Separately, FHFA’s 2025 repeat-transaction HPI increased 3.79%; it corroborates appreciation direction but is not a home value and cannot be combined with Zillow’s different vintage or method.

02Housing economics

In that Zillow county observation, market asking rent, not HUD FMR, was $1,362 per month, down 1.46%. The supplied gross yield was 6.64% before costs, so it requires expense testing rather than treatment as net income. Market rent equaled 98% of the HUD two-bedroom FMR; FMR is a payment standard, not an asking-rent estimate. The effective property-tax rate was 0.75%. Declining rent and carrying costs make price-only appreciation insufficient for a cash-flow conclusion.

03Demand & competition

Realtor.com’s 2026-06 MLS listing-market evidence shows active supply up 18.28% and 29.28% of listings price-reduced. Those are visible supply and seller-concession signals, not closed-sale prices or proof of buyer demand. Tax-return households recorded net migration of 245, but incoming movers’ average AGI was $1,821 below that of outgoing movers. Investors made 11.39% of purchases, or 108 of 948; participation warrants transaction-level competition checks, not an assumption about every neighborhood.

04Risk & next checks

Modeled annual climate loss is 0.16% of building value, aligning with inland flood as the dominant hazard; this calls for parcel-level flood-zone, elevation, insurance-quote and claims review. The 2025 QCEW record is annual covered employment at county workplaces: employment fell, wages rose, and Manufacturing was the largest disclosed private supersector, not the whole economy or a resident employment or unemployment measure. Property-level insurance and flood-loss evidence are not published in this record, preventing a post-hazard net-yield conclusion; closed-sale comps and unit condition are also not published, preventing an asset-level exit-price conclusion.

Cities & communities

Where people live within Walker County

Census-recognized incorporated places and CDPs that intersect this county. The list does not pretend to include every neighborhood or informal community.

Population scale

Largest Census places

ACS 2024 5-year
Fort Oglethorpe city*10.4KLaFayette city7KFairview CDP5.3KLakeview CDP*4.7KChattanooga Valley CDP4.6KRossville city4KChickamauga city3KLookout Mountain city1.7K
Bars use total place population, not a county-share estimate. An asterisk marks a place that crosses a county line.
Official directory

9 Census places

Population
  1. 01
    Fort Oglethorpe cityIncorporated place · spans 2 counties
    10,416
  2. 02
    LaFayette cityIncorporated place
    6,967
  3. 03
    Fairview CDPCensus-designated place
    5,302
  4. 04
    Lakeview CDPCensus-designated place · spans 2 counties
    4,723
  5. 05
    Chattanooga Valley CDPCensus-designated place
    4,601
  6. 06
    Rossville cityIncorporated place
    3,978
  7. 07
    Chickamauga cityIncorporated place
    3,014
  8. 08
    Lookout Mountain cityIncorporated place
    1,721
  9. 09
    Rock Spring CDPCensus-designated place
    1,183

Population is the total place-wide ACS estimate, not an allocated county share. A place crossing a county line is labelled explicitly. Source: Census ACS 5-year — cities and communities · ACS 2024 5-year · pulled 2026-07-30.

Risk, demand and competition

The three things a price does not tell you

01
Risk & carrying costFEMA NRI + Census ACS
Dominant hazardinland flooding

0.157% of building value expected lost per year

Effective property tax0.75%

$1,479 median annual bill

02
DemandIRS SOI household flows
Net migration+245

2,005 in · 1,760 out

Arriving vs leaving income−$1,821

$50,884 arriving · $52,705 leaving

03
CompetitionHMDA financed purchases
Purchases by investors11.4%

108 of 948 mortgages

investorother financed
Current listing pressure

What sellers and visible supply are doing

Realtor.com® Economic Research · county inventory 2026-06 · pulled 2026-07-28
Active listings288▲ 18.3% year over year
Median days on market54▼ 8.6% year over year
Listings price-reduced29.3%seller-concession signal
Median listing pricen/a▼ 4.2% year over year

Listing price is an asking price, not a closed sale. Quality-flagged county rows are withheld instead of displayed.

Same metro

The other counties in Chattanooga, TN

A metro is an average of these. Which side of a county line a property sits on can change the tax bill, the hazard profile and the tenant pool.

CountyPopulationPriceRentYieldHazard
Walker County68,762$246k$1,3626.6%inland flooding
Hamilton County376,192$358k$1,5285.1%inland flooding
Catoosa County68,634$296k$1,4866.0%inland flooding
Marion County29,250$267kn/an/ainland flooding
Sequatchie County16,809$293k$1,2004.9%inland flooding
Dade County16,165$258kn/an/ainland flooding
Bear case

What can break the county thesis

  1. Flood exposure, insurance pricing, deductibles, and prior losses could materially reduce property-level returns.
  2. County median asking rent may not match the subject property’s achievable rent, turnover, or maintenance needs.
  3. County-level MLS, migration, and investor data may not describe buyer liquidity or competition in the subject neighborhood.
Underwriting questions

Before pricing a property

Is the published gross yield a net return after operating costs?

No. It is a market-rent-based gross yield before costs.

What do the Realtor.com figures establish?

They show MLS asking-market supply and seller concessions, not closed-sale pricing or buyer demand by themselves.

What climate information is missing for property underwriting?

Parcel flood-zone and elevation data, insurance terms, and flood-claims evidence are not published in this record.