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Coalfield CDP, TN

ZIP 37748 — 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 37748

Median Home Value
$173,600
Median Rent
$555
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,115/mo PITI).

11%
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.

26.1 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 37748 in Coalfield CDP, TN, a household would need roughly $48,000 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 $1,115. That sits below the local median household income ($58,649), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.6%+14% vs US avg
x
Vacancy Rate
13.7%+33% vs US avg
x
Broadband Access
86.6%-0% vs US avg
x
4+ Bedrooms
3.4%-77% vs US avg
x
Built Pre-1939
6.1%-52% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
18.5%-63% vs US avg
x
Mortgage-Free
47.5%+24% vs US avg
x
$173,600
Home Value
$555
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 detached74.7%
  • 1-unit attached1.4%
  • 2-9 units5.8%
  • 10+ units2.8%
  • Mobile home & other15.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$173,600
Median rent$555
Owner-occupied74.6%
Vacant13.7%
Price-to-income3.0x
Est. income to buy$48,000