Cheap Apartments for Rent in Chattanooga, TN from $400 with Utilities Included (60 Rentals)

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Apartments in Chattanooga where your utility payments are included in your rent.

Search the lowest-cost Apartments available for rent right now in Chattanooga.

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Lily Grace North
Studio to 2 Bedroom Apartments

Lily Grace North

4616 Sunflower LnChattanooga, TN 37416
  • Utilities Included

Who Pays for Utilities? Landlord or Tenant?

Your Guide to Understanding Who is Responsible for Which Utilities for When Renting. Click Below to Read More

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Lily Grace South
Studio to 2 Bedroom Apartments

Lily Grace South

510 Central DrChattanooga, TN 37421
  • Utilities Included
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Highlands Apartments
1 to 3 Bedroom Apartments

Highlands Apartments

2001 S Lyerly StChattanooga, TN 37404
  • Utilities Included
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St Elmo
1 Bedroom Apartments

St Elmo

4625 Saint Elmo AveChattanooga, TN 37409
Senior Living
  • Utilities Included
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Mission at Main
Studio to 2 Bedroom Apartments

Mission at Main

26 E Main StChattanooga, TN 37408
  • Utilities Included
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Montview Apartments
1 to 2 Bedroom Apartments

Montview Apartments

30 Tunnel BlvdChattanooga, TN 37411
  • Utilities Included
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821 Vine St
2 Bedroom Apartments

821 Vine St

821 Vine StChattanooga, TN 37403
Student Housing
  • Utilities Included
  • Smoke Free
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Crestview Apartments
1 to 2 Bedroom Apartments

Crestview Apartments

107 Goodson AveChattanooga, TN 37405
  • Utilities Included
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Campbell Ridge
1 to 3 Bedroom Apartments

Campbell Ridge

3401 Campbell StChattanooga, TN 37406
  • Utilities Included

Chattanooga's Best Affordable Neighborhoods

Learn about Chattanooga and the best places to live with original content written by our Local Expert Catrina Cowart

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Mitchell Apartments
3 Bedroom Apartments

Mitchell Apartments

1601 Mitchell AveChattanooga, TN 37408
Student Housing
  • Utilities Included
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900 Mountain Creek Rd
2 to 3 Bedroom Apartments

900 Mountain Creek Rd

900 Mountain Creek RdChattanooga, TN 37405
  • Utilities Included
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Arbor Hill Apartments
1 to 2 Bedroom Apartments

Arbor Hill Apartments

5305-5315 Highway 58Chattanooga, TN 37416
  • Utilities Included
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320 High Street
1 Bedroom Apartments

320 High Street

320 High StChattanooga, TN 37403
  • Utilities Included
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The View at Midtown
1 to 2 Bedroom Apartments

The View at Midtown

3700 Cherryton DrChattanooga, TN 37411
  • Utilities Included
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Dodson Ave Apartments
2 to 3 Bedroom Apartments

Dodson Ave Apartments

457 Dodson AveChattanooga, TN 37404
  • Utilities Included
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Park Village Apartments
1 to 2 Bedroom Apartments

Park Village Apartments

701 N Germantown RdChattanooga, TN 37411
  • Utilities Included
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Sergeant's Apartments
1 to 2 Bedroom Apartments

Sergeant's Apartments

710 Cherokee BlvdChattanooga, TN 37405
  • Utilities Included
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The Lofts at Tremont
Studio to 2 Bedroom Apartments

The Lofts at Tremont

110 Tremont StChattanooga, TN 37405
  • Utilities Included
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Sunset Park Apartments
1 Bedroom Apartments

Sunset Park Apartments

2845 Dayton BlvdChattanooga, TN 37415
  • Utilities Included
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The Oaks at Midtown
1 to 2 Bedroom Apartments

The Oaks at Midtown

205 Dellwood PlChattanooga, TN 37411
  • Utilities Included
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Market City Center
1 to 2 Bedroom Apartments

Market City Center

728 Market StChattanooga, TN 37402
  • Utilities Included
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Abby North
1 to 2 Bedroom Apartments

Abby North

560 Cherokee BlvdChattanooga, TN 37405
  • Utilities Included
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404 Homes
2 to 3 Bedroom Apartments

404 Homes

404 Tunnel BlvdChattanooga, TN 37411
  • Utilities Included
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Hannah Parc
2 to 3 Bedroom Apartments

Hannah Parc

610 Gurley StChattanooga, TN 37405
  • Utilities Included
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Mana Lane Apartments
2 Bedroom Apartments

Mana Lane Apartments

1413 Mana LnChattanooga, TN 37412
  • Utilities Included

Chattanooga, TN Local Guide

Quick Rent Budget Calculator

How much rent can you afford?

The common "Rule of Thumb" is that rent should be no more than 30% of your income. How much is that? Enter your monthly income and click "Calculate My Budget" to find out.

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Getting Around Chattanooga, TN

Walk Score®

47 / 100

Car-Dependent

Most errands require a car

Bike Score®

49 / 100

Somewhat Bikeable

Minimal bike infrastructure

Transit Score®

21 / 100

Minimal Transit

It may be possible to get on a bus

Chattanooga, TN Area Reviews

  • Parks
  • Entertainment
  • Local Vibes
  • Restaurants
  • Location
  • Traffic
  • Public Transportation
  • Outdoor Access
  • Cost of Living
  • Safety

Catrina1+ years in Chattanooga

March 3, 2025

Chattanooga is fantastic for people like me who love to be on the water. The Tenneessee River is just wonderful, and the communities around it are both well-connected and well-maintained.

Frequently Asked Questions about Cheap Chattanooga Apartments

What is a cheap apartment in Chattanooga?

A cheap apartment is any apartment up to the 30% percentile of cost for the area, which in Chattanooga is under $900.

What is the price of a cheap apartment in Chattanooga?

The cheapest apartment in Chattanooga is Gateway at Rossville which is listed at $829, while the average apartment in Chattanooga costs $2,669.

What types of apartments are the cheapest in Chattanooga?

Student, low-income, and by-the-bed apartments are typically the cheapest rentals in most cities, though they require qualifying criteria to rent. There are 333 regular apartments in Chattanooga that we think qualify as ‘cheap apartments’ that do not have special requirements to apply to rent.

How do the prices of cheap apartments compare to the average apartment in Chattanooga?

Cheap apartments in Chattanooga have an average cost of $377 which is $2,292 cheaper than the average rent for all rentals in Chattanooga.

Expert Rental Resources

Helpful Apartment Articles, How-To's and Tips

The rental experts at ApartmentHomeLiving.com provide you with top advice, tools, and tips for understanding the leasing process and finding the perfect rental. Here are a few helpful rental and leasing articles from our experts to guide you on your search.

decorative image for A Local Expert’s Guide To the Top Budget-Friendly Neighborhoods to Rent in Chattanooga, TN article

A Local Expert’s Guide To the Top Budget-Friendly Neighborhoods to Rent in Chattanooga, TN

Written by: Catrina Cowart

Hi, I'm Catrina, your ApartmentHomeLiving.com Local Expert for Chattanooga. Today, I'd love to talk to you about a gem of a city: Chattanooga, Tennessee.

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Renting Smart: Lease Basics Every Renter Needs

Written by: Christine Leonard, Esq.

Often, in the excitement of finding a new place to live, there’s a rush to make it happen, and - too often - a new tenant signs a lease without reading it carefully.

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Battling the Butts: Your Guide to the Reality of Smoke-Free Renting

Written by: Andrea Lee Negroni, JD

While many apartment buildings are “no smoking” properties, it’s hard to know exactly how many. In 2017, the National Apartment Association reported more than half of rental properties had smoke free policies.

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Understanding Amenity Fees: Know Where You Might Be Able to Save Money

Written by: Amber Kanuckel

With the rising costs of housing, a lot of renters are asking this question: Is it possible to opt out of various amenities that your rental property offers so that you can avoid paying the fees.