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Monteagle town, TN

ZIP 37356 — 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 37356

Median Home Value
$278,900
Median Rent
$637
Affordability Snapshot
$77,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,792/mo PITI).

14%
Rent-to-Income Ratio

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

5.2x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

36.5 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 37356 in Monteagle town, TN, a household would need roughly $77,000 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 $1,792. That is about 43% above the local median household income ($53,792), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 31% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
69.2%+6% vs US avg
x
Vacancy Rate
30.6%+197% vs US avg
x
Broadband Access
91.4%+5% vs US avg
x
4+ Bedrooms
5.1%-66% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
0.4%-95% vs US avg
x
Rent Burden >30%
12.6%-75% vs US avg
x
Mortgage-Free
47.6%+25% vs US avg
x
$278,900
Home Value
$637
Rent
1994
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached67.9%
  • 1-unit attached1.2%
  • 2-9 units14.1%
  • 10+ units0.7%
  • Mobile home & other16.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$278,900
Median rent$637
Owner-occupied69.2%
Vacant30.6%
Price-to-income5.2x
Est. income to buy$77,000