Second Chance Apartments & Affordable Housing in Chattanooga, TN

Finding Housing in Chattanooga with a Criminal Record

Affordable Housing Directory — Largest Chattanooga Properties

The 10 largest of 52 properties in public HUD databases, by unit count. This is a directory of subsidized housing, not a list of confirmed second-chance rentals — each property's background screening policy is set by its owner or manager and is not in the public data. Call and ask.

What the type labels mean: LIHTC — tax-credit building; income limits apply, rents are capped by program rules tied to area median income (not 30% of your income). Section 8 — an assisted-property record, which does not establish availability or acceptance of a tenant-based voucher. Ask which subsidy applies to the unit and who calculates the rent.

Oxford Houses in Chattanooga — Self-Run Sober Living

Oxford Houses are democratically run, self-supporting sober living homes. Residents share expenses and maintain sobriety together. Anyone can apply directly to a house — you don't need a referral. Openings change week to week: call the house, or check oxfordhouse.org for current vacancies. The "open beds" column is a snapshot from our 2026-03-25 data pull, not a live count.

Federal Reentry Centers (BOP Residential Reentry Centers)

BOP-contracted facilities that house people finishing federal sentences in the community phase. Placement is arranged by the Federal Bureau of Prisons as part of a sentence plan — these are not walk-in facilities and you cannot apply to them directly. If you or someone you know is in BOP custody, ask the case manager about RRC placement timing.

• Southern Territorial Headquarters of the Salvation Army, The — Chattanooga, TN · 502-357-8548

HUD-Approved Housing Counseling Agencies

Free or low-cost housing counseling: rental applications, tenant rights, budget/credit help, and foreclosure prevention. Listings come from HUD's counseling agency dataset.

Frequently Asked Questions

How do I find second chance apartments in Chattanooga?

Use the affordable housing list below to build a call list. Chattanooga has 52 affordable housing properties in public HUD databases (30 LIHTC tax-credit properties and 22 Section 8 / federally assisted properties). Criminal-record screening policies are set by each property's owner or manager and are not published in these databases — so treat every listing as "unknown until you call." Ask about their background criteria before paying an application fee. Private landlords and smaller complexes set their own policies too and can be worth asking.

Will a felony disqualify me from renting in Chattanooga?

Not automatically. Many landlords do individual assessments rather than blanket rejections. The type of conviction, how long ago it occurred, and evidence of rehabilitation all matter. Tennessee may have fair housing protections that limit how landlords can use criminal records in screening. Always ask about the specific policy before paying an application fee.

What does the stored rent benchmark tell me about Chattanooga?

A rent benchmark is not available in our Chattanooga data. Ask the local PHA for its applicable payment standard and check HUD's current FMR lookup. The PHA calculates your total tenant payment using HUD income rules. For ordinary tenant-based vouchers, assistance is based on the lower of gross rent or the applicable payment standard, minus that payment. Gross rent includes the PHA utility allowance. Your actual rent to the landlord can differ from your family share. LIHTC rents use program limits tied to area income and unit size; they are not automatically 30% of your own income.

Are there sober living homes in Chattanooga?

Yes — 23 Oxford Houses operate in the Chattanooga area. Oxford Houses are democratically run, self-supporting sober living homes where residents share expenses and hold each other accountable. Openings change frequently, so call the house directly or check the official oxfordhouse.org site for current vacancies rather than relying on any website's cached count.

What are HUD housing counseling agencies?

HUD-approved housing counseling agencies provide free or low-cost advice on renting, rental applications, default/foreclosure prevention, and credit repair. Chattanooga has 2 HUD-approved agencies. They can help you understand your rights and prepare a stronger rental application — useful when you have a record. Find them in the list below, or search HUD's own locator at hud.gov/counseling.

Can I get Section 8 housing with a criminal record in Tennessee?

A criminal record does not by itself answer whether you qualify for a Housing Choice Voucher. Federal rules require denial in specified circumstances, including lifetime sex-offender registration, methamphetamine production on federally assisted premises, certain current drug activity and some recent drug-related evictions from assisted housing (with specified exceptions). PHAs also apply discretionary screening rules. Ask the PHA for its current written policy and any review procedure; these are not the same as a private landlord's screening rules. Contact the PHA serving Chattanooga for its application and waitlist process.