Is Chattanooga, TN affordable on a $1,300,000 salary?
YES
On $1,300,000/yr, the typical $327,580 home in Chattanooga, TN needs $98,413/yr ($2,296/mo). Your gap: +$1,201,587 — housing would be 2.1% of your gross income.
The math
327,580 price − 10% down (32,758) = 294,822 loan
30-yr fixed at 6.69% on 294,822 = 1,900/mo principal+interest
+ 396/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,296/mo PITI ÷ 0.28 = 8,201/mo → 98,413/yr required
against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).
What salary WOULD clear Chattanooga, TN?
You need about $98,413/yr for the typical home. On $1,300,000 you already clear it by $1,201,587.