January 2026 Greater Chattanooga Housing Market Update
The January numbers are in for Greater Chattanooga, and the market is entering 2026 with steady momentum and a healthier balance between buyers and sellers.
This report covers Hamilton and Sequatchie Counties in Tennessee along with Catoosa, Dade, and Walker Counties in Georgia. Whether you are considering buying, selling, or simply staying informed, understanding these trends is key to making confident real estate decisions.
Let’s take a closer look at what January reveals.
Inventory Is Increasing
There are currently 3,317 homes for sale, reflecting a 21.6 percent increase month to date.
For buyers, this creates opportunity. More homes on the market means more choices, less pressure to rush, and greater negotiating flexibility.
For sellers, this shift highlights the importance of pricing accurately and preparing your home to stand out. Today’s buyers are comparing options carefully.
Days on Market Is Normalizing
Homes are averaging 63 days on market, an increase of 12.5 percent month to date.
This is not a sign of weakness. It is a return to more sustainable market conditions. During the height of the market surge, homes sold extremely quickly. What we are seeing now is a more balanced pace that allows both buyers and sellers to make thoughtful decisions.
Median Sales Price Remains Stable
The median sales price is $330,000, up 1.5 percent month to date.
Despite rising inventory, pricing has remained stable. This indicates continued demand across Greater Chattanooga. The region remains attractive due to its lifestyle, economic growth, and quality of life.
Pending Sales Reflect Continued Buyer Activity
There are 823 pending sales, up 8.9 percent month to date.
This is one of the strongest indicators of market confidence. Buyers are still actively writing offers and moving forward with purchases.
Closed Sales Slightly Lower
Closed sales came in at 575, down 1.9 percent month to date.
A small dip in January is common due to seasonality. Pending sales suggest that closings will continue steadily as we move into the spring market.
What This Means for Buyers in Chattanooga
If you are looking to purchase a home in Chattanooga, Hixson, Ooltewah, East Brainerd, North Chattanooga, or surrounding areas:
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You have more inventory to choose from
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Competition is more balanced
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Negotiation leverage is improving
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Prices remain steady
This is a strategic market for well prepared buyers.
What This Means for Sellers
If you are preparing to list your home in 2026:
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Accurate pricing is critical
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Preparation and presentation matter
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Strategic marketing drives results
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Overpricing can lead to extended market time
Homes that are positioned correctly are still selling. The difference today is that success depends on data driven strategy rather than market frenzy.
The Greater Chattanooga Market Is Stabilizing
The January 2026 data shows a market that is stabilizing, not slowing. We are seeing healthier balance, steady pricing, and continued buyer confidence.
Real estate remains hyper local. Each neighborhood and price range behaves differently. If you would like a personalized market analysis for your home or a specific area you are considering, I would be glad to provide one.
