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Alcoa city, TN

ZIP 37701 — 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 37701

Median Home Value
$239,600
Median Rent
$859
Affordability Snapshot
$66,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,539/mo PITI).

16%
Rent-to-Income Ratio

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

3.8x
Home Price-to-Income Ratio

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

23.2 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 37701 in Alcoa city, TN, a household would need roughly $66,000 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 $1,539. That is roughly in line with the local median household income ($63,202). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
66.7%+2% vs US avg
x
Vacancy Rate
13.0%+26% vs US avg
x
Broadband Access
88.1%+1% vs US avg
x
4+ Bedrooms
1.5%-90% vs US avg
x
Built Pre-1939
11.6%-10% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
19.4%-61% vs US avg
x
Mortgage-Free
41.7%+9% vs US avg
x
$239,600
Home Value
$859
Rent
1970
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached78.4%
  • 1-unit attached0.6%
  • 2-9 units7.0%
  • 10+ units13.4%
  • Mobile home & other0.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$239,600
Median rent$859
Owner-occupied66.7%
Vacant13.0%
Price-to-income3.8x
Est. income to buy$66,000