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532 Sq. Ft. $79k Tiny Home For Sale in Chattanooga, TN

This is a 532 sq. ft. tiny home for sale in Chattanooga, Tennessee with an asking price of $79,000.

It’s a new construction one bedroom, one bath home. And according to this article on Realtor.com, even someone making $11/hour might be able to afford it instead of paying rent.

Let’s do the numbers here… $79,000 X 20% down payment equals $16,000 down. With payments of about $411 at 3.950% interest rate. That sure does beat rent, doesn’t it? And you may even be able to qualify for assistance on the down payment. Please enjoy, learn more, and re-share below. Thank you!

532 Sq. Ft. $79k Tiny Home For Sale in Chattanooga, TN

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Images © Crye-Leike via Realtor.com

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Images © Crye-Leike via Realtor.com

Learn more: http://www.realtor.com/realestateandhomes-detail/810-S-Willow-St_Chattanooga_TN_37404_M82345-50366

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Our big thanks to Robert Olson for sharing!

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Alex is a contributor and editor for TinyHouseTalk.com and the always free Tiny House Newsletter. He has a passion for exploring and sharing tiny homes (from yurts and RVs to tiny cabins and cottages) and inspiring simple living stories. We invite you to send in your story and tiny home photos too so we can re-share and inspire others towards a simple life too. Thank you!

{ 29 comments… add one }
  • David Ihnen December 23, 2015, 3:28 pm

    your monthly housing payment (principal, interest, taxes and insurance) should not take up more than 28 percent of your income before taxes. $11/hour will gross around 22000 a year if you take any time off realistically, we do get sick and have family and social events. That gives you a limit of $513.33/month for housing.

    taxes on assessment of 50K in chattanooga: $1382.60/year or $115/month more (for city of chatanooga based on published tax rates)

    homeowners insurance on a house worth $75K, lets say its cheaper than my $70/month and credit only $50/month for insurance.

    > principle/interest, $411.
    > taxes: $115
    > insurance: $50
    > Total: $576

    12% beyond the 28% of gross suggestion at 31.4% of gross.

    so, *MAYBE*. With overtime. But then the hysterical part.

    > $16,000 down

    The person is making $11/hour, and we’re limited to people who HAVE SIXTEEN THOUSAND DOLLARS CASH to consider it? Among the problems encountered by people plagued with minimally (if not minimum) paid $11/hour work the cool sixteen grand burning a hole in their bank account is rarely encountered.

    And if you don’t have that, you get into mortgage insurance hell which is ludicrously expensive.

    Its a nice thought, yes, but if you want to talk NUMBERS, it doesn’t add up. This house is probably better fit for a young couple with two incomes – they can stack up $16K and get lower housing cost.

    Though if they already had $16K they could build their own tiny home on a trailer and own it free and clear without another $59K in debt, couldn’t they?

    • Becky December 23, 2015, 7:46 pm

      And then we read the comment that says this place is not exactly in the nicest part of Chattanooga. No thanks … I’d rather buy one of the MANY tiny houses in the $30K-$45K range, which incidentally are not so dark and depressing.

  • Lisa December 23, 2015, 3:28 pm

    Lots of wasted storge space and expensive

  • Jeremy December 23, 2015, 3:43 pm

    And it’ll look so good on Air BnB.

  • Ksenia December 23, 2015, 3:53 pm

    David, I absolutely agree with you comment. One must be careful when throwing out numbers like that. We’re also not taking into account the utilities costs and any potential renovations that have not been taken care of. But most importantly, you’re right: no person making under 50,000/year will have 16,000$ just sitting in the bank. It’s a nice thought, but at the end of the day you would have to have a pretty solid chunk of cash accumulated even when looking at homes under 100K. My only advise to the young people out there looking for alternative housing solutions is to buy land for what you can afford (up to 10K) and start building what you can- a yurt, an adobe, a shipping pallet shack-that way you’re not being backed into a corner if you suddenly lose your job, have other unexpected expenses come up, etc. Not to mention that your land taxes will be minuscule on any “unimproved” rural property. There are plenty of areas around Chattanooga, for example, where 1-2 acres of agricultural land are being sold for under 10K. Much better than buying into someone’s idea of a tiny home, on a tiny lot, with no capabilities of self-sufficient homesteading.

  • Sharee December 23, 2015, 4:23 pm

    The good: I like the simple layouts of the bedroom and bathroom.
    The bad: I don’t see a refrigerator. The kitchen is cut off from everything else. No garage; need a place to keep the vehicle when the weather is bad.

    • varenikje January 20, 2016, 7:58 pm

      Does Chattanooga have bad winter weather?

      Maybe living in Chattanooga is the major drawback here. I like Nebraska (where I live).

    • Lee January 31, 2016, 7:35 pm

      There is a space for the fridge in the corner to the right of where the cabinetry ends, against the outside wall. As for the mystery alcove where the ac unit is, I imagine it is probably for a washer and dryer. Chattanooga doesn’t get much in the way of winter weather and lots of people in all 50 states don’t have the luxury of a garage. Hell, for that matter, all those people talking about buying property out in the sticks and building on it have to have a car, right? Building in the urban center allows you the option to not have the car in the first place. It does says it is close to a bus stop and a daycare center, so services are right there and a car may not be necessary. I love the tiny house community but so many of you are not the least bit urban.

      • Lee January 31, 2016, 7:56 pm

        Wrong about that alcove with the ac: it is part of the livingroom.

  • Rich December 23, 2015, 8:43 pm

    Alex, tx for posting. It’s easy to see from the varied comments why we truly have a housing crisis in the US of A. Our expectations are way out of whack with our ability and/or willingness to pay. It’s a great reality check.
    We want t0 pay Tennessee (or even Alabama) prices for Denver or Chicago amenities…… I do appreciate Chico’s, Vic’s and Jeremy’s sense of humor.
    The helpful realtor divides the total cost of the house and land by the SF of the house alone and values it at $150/sf. (Or maybe it doesn’t include the land?) Fact check needed.
    I note that in the YT, a site plan is shown that would suggest that this is part of a community development grant, possibly government subsidized to improve the neighborhood with several of these little houses and aims to benefit veterans. And isn’t it great that it has a day-care center?
    We compare the price of this place on a foundation to a tiny house on a trailer with no place legal to park it. And oh my gosh, no garage!
    With no intention of living in Tennessee, all-in-all seems like a fair value in this day in age. Hope we all have a HAPPY NEW YEAR!

  • kristina nadreau December 23, 2015, 9:17 pm

    IMHO anyone earning $11 an hour is not going to be able to buy any housing as a sole owner. I am always surprised and somewhat dismayed by the negative and unrealistic financial expectations of people who follow this site. The little house appears to have 2 small bedrooms and with some decorating could be very attractive. A simple shed from Home Depot will suffice for storage of toys and equipment. BTW, few unoccupied houses come with refrigerators because until the owner moves in there is a liability for possible theft.

  • Candide33 December 23, 2015, 11:19 pm

    Today I was just looking at 110 acres in the Rocky Mountains in Colorado, it was $72,000 for 110 acres…ONE HUNDRED AND TEN ACRES in the Rocky Mountains in Colorado costs less than that postage stamp sized house on a postage stamp sized lot in TN.

    That is to put a little perspective on it.

    You could buy enough land for large farm and build your own TH for less than that.

    • Lee January 31, 2016, 7:45 pm

      There are people who live in Chattanooga, who like Chattanooga, have family ties in Chattanooga, and have jobs in Chattanooga. This property, in addition to improving the neighborhood and providing low income housing for sale rather than just for rent, is for them. Go buy your 110 acres in the Rockies if you can afford to. Presumably you are either wealthy enough to start a farm and buy property without a job, or you are young and strong enough to bull-dog your way through the process. Some people are not.

  • gale December 24, 2015, 6:23 pm

    I have a 2 bed 2 bath 1000+ sq ft townhome in a nice neighborhood for less than this. Cute home but pricey.

  • LC December 25, 2015, 10:41 am

    Thank you Alex, for breaking down the numbers. As readers, we should all realize that the $11/hr figure Alex provided was for illustrative purposes to help us put the financial side in perspective. I, personally, appreciated reading that even though I know it’s not a likely scenario.

  • Denise December 29, 2015, 7:47 am

    The floor is beautiful, I dream of a polished cement floor with the tiny rocks showing off their beauty in it. This would be a smart starter home for singles, but it is definitely something I think the average person would tire of quickly, due to the layout and window placement. The layout seems cramped and feels much smaller than
    532 sq. ft. The kitchen space seems wasted by laying it out galley style as there is no room at the one end (the end with the monitor on the counter) for a dining room table, even for two. At best, you could put a small computer desk there. The other end is a hallway and far from the kitchen which would be awkward for a dining table.

    There really seems to be only one window that one could look out of when sitting in the house, all the rest are quite high, with the exception of the one bedroom one. This encloses the space more. From what I can gather from the pictures, the long kitchen is back to back with the bedroom. When one leaves the kitchen they have that hall that wraps around into the living room, which then opens into the bedroom. It seems to me that by altering the placement of the door to the living room from the outside they could have opened up the space between the bedroom and kitchen so they are together and then made the living room into the bedroom instead. This would also open up the hall space from kitchen joining it to the living room and be included in usable space for actual living. This would also eliminate the end of kitchen dead space because that space could now be used for an L shaped kitchen in that corner with an island into what would now be open space. Move the windows down and bingo – that 532 sq. ft. would feel much larger.

    I imagine it would be cheaper to build this way also as less walls = less framing, and thereby saving cost while making the home more open and inviting.

    I would love to have a top view down of the footprint of this house because it is totally doable. The bones of this home are good, it’s only the interior layout that should have been adjusted.

    • Lee January 31, 2016, 7:49 pm

      The dead space in the corner of the kitchen is for the refrigerator, not currently in the house. You can’t put a desk there, or open the wall up to the bedroom.

    • Lee January 31, 2016, 7:53 pm

      The dead space in the corner of the kitchen is for the refrigerator, not currently in the house. You can’t put a desk there, or open the wall up to the bedroom. The windows are high up for a reason: it allows light in while providing some privacy and security in, what some here have described as a not so safe neighborhood. Easy access windows make for easy break-ins. Putting the windows up higher allows the occupants to enjoy the light from the windows without worrying about someone peering in at them or breaking in. At 500+ square feet it is larger than many one bedroom apartments that couples regularly occupy and pay significant rent to inhabit.

  • Lula Carlucci January 31, 2016, 5:47 pm

    I think you did a nice job on this BRAND NEW small home! It’s cute, and looks comfy also. My concern is Tornados……what is the average temperture in that part of tenn? I’m looking to buy a small home to retire. I want someplace with year round warmth. I also want a safe neighborhood to live in……build homes like this for 55 yr and older community/village would be AWSOME!

  • Suzie Q January 31, 2016, 7:23 pm

    I am confused by the pix of the different spaces………..over and over again is my guess. What would be REALLY nice is a floor plan and THEN pix of the spaces so you have a better idea of the flow. I still have no idea what some of the spaces were designed for. Seems like I would have to start remodeling to make it workable which would obviously defeat the purpose of buying a ‘new’ home.

  • Gabrielle Charest January 31, 2016, 11:55 pm

    Cute house. As far as cost is concerned, it is all relevant to where you live and what your income is. In the Seattle area, you would never in a million years find a house with even the tiniest amount of land for $79K. The best you could do would be to buy a used, rather broken down mobile home and rent space in a mobile home park (about $900/month).
    I never realized how different things are until I moved from my apartment in CT to California. Whoa! Wat an eye-opener!

  • TB February 1, 2016, 8:36 am

    Wait. Gabrielle, you found somewhere even more expensive than CT?

  • JM February 1, 2016, 12:48 pm

    A cement floor? Somewhere in the specs should state the gross weight of the tiny house. And check to see the towing capacity of your truck. You maybe surprised if you have to hire someone to tow it for you. Reality check here: what is the purpose of a house on wheels? Will you move it? How often? It may make more sence to buy a prefab and have it delivered and set. I never understood why people in expensive parts of the country just didn’t do that? The cheapest way to go…

  • JM February 1, 2016, 1:00 pm

    In Ohio OUR COSTS for typical framed houses complete with basement were around $100/sf. Vinyl siding, flooring, carpet, you know the drill–middle or below-middle-grade everything. But all new materials and well insulated–everything to code. So this house at about $150/sf including land (wish it had a basement) is not such a bad deal. The problem in our country is that wages haven’t risen in twenty years! Add school loans and who can afford to buy housing? Go Bernie!

  • Eric February 1, 2016, 10:44 pm

    Ironically, to me anyway, is that this house is about 5 times the size of average TH yet, probably due to the colours used, and the wall partitions, the house feels very claustrophobic, unlike a lot of the TH’s.

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