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Cumberland City town, TN

ZIP 37050 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 37050

Median Home Value
$180,500
Median Rent
$508
Affordability Snapshot
$50,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,159/mo PITI).

10%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

29.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 37050 in Cumberland City town, TN, a household would need roughly $50,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,159. That sits below the local median household income ($60,463), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.4%+29% vs US avg
x
Vacancy Rate
15.7%+52% vs US avg
x
Broadband Access
87.9%+1% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
1.6%-88% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.9%-98% vs US avg
x
Mortgage-Free
58.6%+53% vs US avg
x
$180,500
Home Value
$508
Rent
1989
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached76.3%
  • 1-unit attached0.0%
  • 2-9 units4.4%
  • 10+ units0.5%
  • Mobile home & other18.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$180,500
Median rent$508
Owner-occupied84.4%
Vacant15.7%
Price-to-income3.0x
Est. income to buy$50,000