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ZIP 37401 — Housing & Real Estate

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

Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 37401

Median Home Value
$660,400
Median Rent
$1,458
Affordability Snapshot
$182,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,242/mo PITI).

26%
Rent-to-Income Ratio

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

9.7x
Home Price-to-Income Ratio

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

37.7 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 37401, a household would need roughly $182,000 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 $4,242. That is about 168% above the local median household income ($67,844), 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 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
16.4%-75% vs US avg
x
Vacancy Rate
17.6%+71% vs US avg
x
Broadband Access
93.2%+7% vs US avg
x
4+ Bedrooms
0.5%-96% vs US avg
x
Built Pre-1939
3.6%-72% vs US avg
x
Built Post-2014
11.1%+61% vs US avg
x
Rent Burden >30%
30.5%-39% vs US avg
x
Mortgage-Free
40.3%+5% vs US avg
x
$660,400
Home Value
$1,458
Rent
2000
Year Built
2020
Moved In

Residents have lived here since ~2020 on average

Housing Structure

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

  • 1-unit detached2.3%
  • 1-unit attached4.5%
  • 2-9 units8.1%
  • 10+ units84.3%
  • Mobile home & other0.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$660,400
Median rent$1,458
Owner-occupied16.4%
Vacant17.6%
Price-to-income9.7x
Est. income to buy$182,000