ZIP Code 37315

ZIP code 37315, near Chattanooga, reports a per-capita income of just $3,892, placing it among the lowest-earning areas in the region. That figure points to a working-class or economically strained population rather than a middle-income one. County-level property taxes run at 0.61%, a rate that stays low partly because property values here are subdued. Sales taxes, by contrast, reach 9.25% when combined, so everyday purchases carry a heavier cost than home ownership does. The overall picture is of a community where income is limited and consumption taxes take a noticeable share of whatever money comes in.