US5.com
  1. Home
  2. States
  3. Tennessee
  4. ZIP 37331
  5. Housing & Real Estate
Etowah city, TN

ZIP 37331 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 37331

Median Home Value
$171,000
Median Rent
$583
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,098/mo PITI).

12%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

24.4 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 37331 in Etowah city, TN, a household would need roughly $47,000 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 $1,098. That sits below the local median household income ($56,484), 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 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.2%+18% vs US avg
x
Vacancy Rate
19.8%+92% vs US avg
x
Broadband Access
85.0%-2% vs US avg
x
4+ Bedrooms
4.7%-69% vs US avg
x
Built Pre-1939
5.2%-60% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
14.4%-71% vs US avg
x
Mortgage-Free
50.3%+32% vs US avg
x
$171,000
Home Value
$583
Rent
1975
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached85.7%
  • 1-unit attached0.4%
  • 2-9 units3.9%
  • 10+ units0.2%
  • Mobile home & other9.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$171,000
Median rent$583
Owner-occupied77.2%
Vacant19.8%
Price-to-income3.0x
Est. income to buy$47,000