Census tract · Hamilton County
Census Tract 109.04, Hamilton County, Tennessee
Census Tract 109.04, GEOID 47065010904, in Hamilton County, Tennessee, mostly within Chattanooga (78% of its census blocks). 2,409 residents in the ACS 2020-2024 5-year estimates (±518); the 2020 Census counted 2,535.
Residents, 2020-2024
2,409
±518 (90% margin)
2020 Census count: 2,535
Median household income
$60,463
±$14,686 (90% margin)
Hamilton County: $76,183
Median home value
$476,300
±$94,528 (90% margin)
Hamilton County: $312,800
Median gross rent
$1,063
±$219 (90% margin)
Hamilton County: $1,253
Where is Census Tract 109.04?
Census Tract 109.04 is one of 87 census tracts in Hamilton County, Tennessee. It covers 1.15 square miles of land, 2,214 residents per square mile in 2020. Its GEOID, 47065010904, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Chattanooga | 78% |
| Red Bank | 22% |
4 census tracts border Census Tract 109.04: Tract 108 ($63,029), Tract 109.01 ($82,000), Tract 109.02 ($63,558) and Tract 109.05 ($68,468). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 109.04?
The 2020-2024 American Community Survey puts Census Tract 109.04's population at 2,409 (±518) in 1,212 households; the 2020 Census counted 2,535 residents and 1,266 housing units.
| Measure | Tract 109.04 | Chattanooga |
|---|---|---|
| Total population | 2,409 ±518 | 185,783 |
| Households | 1,212 ±299 | 79,084 |
| Average household size | 1.90 ±0.21 | 2.26 |
| Housing units | 1,319 ±290 | 87,970 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 109.04?
The median resident of Census Tract 109.04 is 38.5 years old; 9.3% are under 18 and 17.4% are 65 or older. The largest group is non-Hispanic white residents at 66.9%, then non-Hispanic residents of two or more races at 19.4%.
| Measure | Tract 109.04 | Chattanooga |
|---|---|---|
| Median age | 38.5 ±8.7 | 36.3 |
| Under 18 years | 9.3% ±3.7 pts | 21.0% |
| 65 years and over | 17.4% ±6.4 pts | 17.3% |
| Hispanic or Latino (any race) | 2.6% ±2.5 pts | 10.0% |
| White alone, not Hispanic | 66.9% ±15.6 pts | 55.5% |
| Black or African American alone, not Hispanic | 8.1% ±5.6 pts | 27.6% |
| Asian alone, not Hispanic | 0.0% ±1.8 pts | 2.3% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±1.8 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±1.8 pts | 0.0% |
| Two or more races, not Hispanic | 19.4% ±17.2 pts | 4.3% |
| Some other race alone, not Hispanic | 3.1% ±4.5 pts | 0.3% |
| Born outside the United States | 1.9% ±2.8 pts | 8.3% |
| Speak a language other than English at home (age 5+) | 3.8% ±3.5 pts | 12.0% |
| Civilian veterans (age 18+) | 6.6% ±3.4 pts | 5.9% |
| With a disability | 23.4% ±10.3 pts | 14.1% |
| No health insurance coverage | 6.5% ±3.8 pts | 12.2% |
| High school graduate or higher (age 25+) | 98.4% ±2.3 pts | 90.0% |
| Bachelor's degree or higher (age 25+) | 35.3% ±12.3 pts | 36.0% |
| Graduate or professional degree (age 25+) | 15.2% ±7.3 pts | 13.5% |
| Lived in the same house a year earlier | 82.4% ±10.3 pts | 81.1% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 109.04 earn?
Half of the 1,212 households in Census Tract 109.04 earn less than $60,463 a year (±$14,686), against $76,183 across Hamilton County: 62nd highest of the county's 83 tracts with a reliable estimate. 27.1% of residents live below the poverty line.
| Measure | Tract 109.04 | Chattanooga |
|---|---|---|
| Median household income | $60,463 ±$14,686 | $64,523 |
| Mean household income | $74,834 ±$20,430 | $95,469 |
| Per capita income | $40,173 ±$10,814 | $41,600 |
| People below the poverty line | 27.1% ±16.8 pts | 19.1% |
| Children under 18 below the poverty line | 6.7% ±12.2 pts | 31.3% |
| Households receiving SNAP | 20.9% ±19.7 pts | 12.9% |
| Households with a computer | 92.5% ±7.2 pts | 95.0% |
| Households with a broadband subscription | 91.3% ±7.3 pts | 90.4% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 109.04?
Owners occupy 28.1% of Census Tract 109.04's occupied homes and renters 71.9%. The median owner-occupied home is valued at $476,300 by its owner (±$94,528). The median renter pays $1,063 a month including utilities, and 28.7% of renters pay 35% or more of their income on rent.
| Measure | Tract 109.04 | Chattanooga |
|---|---|---|
| Median home value (owner-occupied) | $476,300 ±$94,528 | $283,200 |
| Median gross rent | $1,063 ±$219 | $1,256 |
| Renters paying 35% or more of income on rent | 28.7% ±13.6 pts | 38.6% |
| Median monthly owner costs, with a mortgage | $2,192 ±$148 | $1,564 |
| Owner-occupied homes | 28.1% ±9.7 pts | 52.4% |
| Renter-occupied homes | 71.9% ±9.7 pts | 47.6% |
| Housing units | 1,319 ±290 | 87,970 |
| Single-family detached homes | 23.1% ±7.8 pts | 57.6% |
| Mobile homes | 2.3% ±2.7 pts | 1.5% |
| Built 2020 or later | 0.0% ±3.4 pts | 2.3% |
| Built 2010 to 2019 | 6.6% ±5.4 pts | 11.7% |
| Built 1939 or earlier | 0.0% ±3.4 pts | 12.6% |
| Households with no vehicle | 24.2% ±20.2 pts | 8.6% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 109.04 get to work?
79.8% of Census Tract 109.04's workers drive alone. The average trip to work takes 17.8 minutes.
| Measure | Tract 109.04 | Chattanooga |
|---|---|---|
| In the labor force (age 16+) | 51.5% ±14.2 pts | 64.6% |
| Unemployment rate | 9.0% ±9.0 pts | 5.4% |
| Drove alone to work | 79.8% ±11.1 pts | 73.6% |
| Carpooled | 1.5% ±2.5 pts | 8.8% |
| Public transportation | 0.0% ±4.3 pts | 0.9% |
| Walked | 1.3% ±2.3 pts | 1.9% |
| Worked from home | 16.5% ±11.1 pts | 13.6% |
| Mean travel time to work | 17.8 min ±2.2 | 18.5 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 109.04 compare with the other tracts in Hamilton County?
Among Hamilton County's tracts with a reliable estimate, Census Tract 109.04 ranks as shown below (1 = highest).
| Measure | In Hamilton County | In Chattanooga |
|---|---|---|
| Population | 73rd of 85 | 42nd of 52 |
| Residents per square mile | 26th of 87 | 21st of 54 |
| Median household income | 62nd of 83 | 33rd of 51 |
| Per capita income | 44th of 85 | 24th of 52 |
| Median home value | 10th of 85 | 4th of 52 |
| Median gross rent | 61st of 79 | 41st of 52 |
| Poverty rate | 13th of 66 | 13th of 46 |
| Bachelor's degree or higher | 45th of 83 | 28th of 50 |
| Median age | 47th of 85 | 20th of 52 |
| Owner-occupied share | 79th of 84 | 46th of 51 |
The tracts next to it on Hamilton County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 104.35 | 59th | $61,420±$11,538 · within the margin of this tract |
| Tract 28 | 60th | $60,870±$14,706 · within the margin of this tract |
| Tract 29 | 61st | $60,863±$21,069 · within the margin of this tract |
| Tract 109.04 | 62nd | $60,463±$14,686 |
| Tract 33 | 63rd | $59,651±$14,532 · within the margin of this tract |
| Tract 107 | 64th | $59,054±$15,329 · within the margin of this tract |
| Tract 123 | 65th | $55,833±$12,665 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 109.04?
4 of the 18 figures for Census Tract 109.04 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections