Real Estate Agent Salary in Chattanooga, TN: $47,614 (2026)
Quick Answer:A full-time real estate agent in Chattanooga, TN earns a median $47,614/year (≈ $22.90/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-9022). Once you factor in Chattanooga's price level (9% below national, BEA RPP 91.5), that paycheck buys what $52,058 would nationally. Nominal pay sits 0.9% above the Tennessee state average.
Official BLS data · View source
In 2026, the real estate agent salary in Chattanooga is projected to reach a median annual figure of $47,614, trailing behind the national median of $53,622 by a notable margin of 11.20%. Salaries in this market show a wide range, with entry-level positions starting around $31,485 and top earners reaching up to $100,536, showcasing the income disparities often seen in the industry. Real estate agents in Chattanooga have the option to work as solo agents, form teams, or align with commercial brokers, each structural choice significantly impacting potential earnings and commission split dynamics. Given the competitive landscape shaped by affiliation with either national franchise brokerages or local independent firms, strategic career decisions can lead to substantial income variation within this vibrant city.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $31,485 | $15.13 |
| Lower Range (P25) | $36,236 | $17.42 |
| Median (P50)(typical) | $47,614 | $22.90 |
| Upper Range (P75) | $78,967 | $37.97 |
| Top Earners (P90) | $100,536 | $48.33 |
Median Salary Position
11.2% below the national average
2026 Salary Percentile Distribution in Chattanooga
In Chattanooga, TN, the real estate agent salary spread from the 10th to 90th percentile is $69,051 (2026 est.). At $47,614, the local median is 11.2% below the national median of $53,622.
Salary Calculator
At 40 hours/week in Chattanooga: You'd be in the entry-level range
How Chattanooga Real Estate Agent Pay Compares
Chattanooga median: $47,614/year (2026)
| Compared To | Median Salary | Chattanooga Pays |
|---|---|---|
| Tennessee Average | $47,189 | +0.90% more |
| National Average | $53,622 | -11.20% less |
Real Estate Agents in Chattanooga, TN earn a median of $47,614 per year (2026 est.), which is 11.20% lower than the national median of $53,622 and 0.90% above the Tennessee state average of $47,189.
Cost-of-Living Adjusted Salary
Chattanooga has a cost of living 8.54% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Chattanooga, TN has a cost-of-living index of 91.464 (below the national average of 100). A real estate agent earning $47,614 nominally has purchasing power equivalent to $52,058 in an average-cost city — an effective 9.33% boost.
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2019 BLS Actual
$33,610
2025 BLS Actual
$46,910
2026 Current Est.
$47,614
2019–2027 Growth
+43.8%
Salary Trajectory for Real Estate Agents in Chattanooga (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 1.50% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $33,610 | Actual |
| 2020 | $35,020 | Actual |
| 2021 | $30,370 | Actual |
| 2022 | $36,070 | Actual |
| 2023 | $38,870 | Actual |
| 2024 | $50,550 | Actual |
| 2025 | $46,910 | Actual |
| 2026(current) | $47,614 | Estimated |
| 2027 | $48,328 | Projected |
Based on 7 years of BLS OEWS data for the Chattanooga metropolitan area, the median real estate agent salary grew 39.6% from $33,610 (2019) to $46,910 (2025). At a 1.50% compound annual growth rate, salaries are projected to reach $48,328 by 2027 — a total increase of $14,718 (43.79%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Chattanooga metropolitan area, sourced from annual Occupational Employment and Wage Statistics surveys. 2026–2026 figures are current estimates, and 2027 values are projections, calculated using a 1.50% CAGR derived from 7-year BLS historical data. Actual salaries may vary based on employer, experience, certifications, and local market conditions.
Salary by Experience Level
| Experience | Estimated Salary Range |
|---|---|
| 0-2 years (New Graduate) | $31,485 – $36,236 |
| 3-5 years (Mid Career) | $36,236 – $47,614 |
| 5+ years (Experienced) | $47,614 – $78,967 |
| 10+ years (Top Earner) | $78,967 – $100,536 |
REA salary ranges estimated from BLS percentile data. Individual real estate agent compensation varies by employer, certifications, and specialization.
Real Estate Agent Job Market in Chattanooga
With around 170 real estate professionals operating in Chattanooga, the local job market reflects a promising environment bolstered by a cost-of-living index of 91.464, which positions the area below the national average. This lower cost of living can enhance take-home pay, allowing agents greater purchasing power despite lower average salaries compared to national figures. Among local employers, national franchise operations like Keller Williams and RE/MAX typically offer higher compensation structures, though specialized firms focusing on luxury and commercial real estate may provide opportunities for even greater earnings. Factors such as transaction volume, commission splits, and team membership directly influence pay ranges, with the most successful agents often capitalizing on their referral networks and adapting to changes in commission structures post-2024 NAR settlement. Developing expertise in high-demand market segments and building strategic relationships can be key strategies for real estate agents looking to enhance their earnings in Chattanooga TN.
More salary data for Chattanooga, TN:
Frequently Asked Questions
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Related Pages
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Written by Maria Gonzalez, REALTOR®
Career Analyst
Maria has 10 years of experience as a real estate agent. She specializes in residential properties. She works with a large brokerage in Texas.
Methodology & Data Source
Salary figures on this page are 2026 projections based on the Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) survey, May 2026 release. The BLS reported a median annual salary of $46,910 for real estate agentsin the Chattanooga metropolitan area. A 1.50% compound annual growth rate (CAGR), calculated from 6-year national BLS wage trends, was applied to project current 2026 compensation. Percentile ranges (P10–P90) represent the full salary distribution across experience levels and practice settings in this market.
Data Sources & Methodology
Source: BLS, OEWS, 7-year dataset (–). Per-city data from annual BLS metropolitan area surveys.
2026 figures are projected from 2025 BLS data using a compound annual growth rate (CAGR) of 1.50%, derived from historical BLS wage trends for real estate agents (SOC 41-9022).
Compiled and verified by Maria Gonzalez, REALTOR®, a licensed real estate agent with 10+ years of clinical experience. · View source data at BLS.gov