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ZIP 37816
Housing & Real Estate

ZIP 37816 — Housing & Real Estate

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

Low Income Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 37816

Median Home Value

$112,700

Median Rent

$488

Affordability Snapshot

$31,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$724/mo PITI).

17%

Rent-to-Income Ratio

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

3.4x

Home Price-to-Income Ratio

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

19.2 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 37816, a household would need roughly $31,000 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 $724. That is roughly in line with the local median household income ($33,537). 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

38.5%-41% vs US avg

Vacancy Rate

13.1%+27% vs US avg

Broadband Access

78.3%-10% vs US avg

4+ Bedrooms

2.3%-85% vs US avg

Built Pre-1939

5.8%-54% vs US avg

Built Post-2014

1.7%-76% vs US avg

Rent Burden >30%

14.1%-72% vs US avg

Mortgage-Free

37.9%-1% vs US avg

$112,700

Home Value

$488

Rent

1965

Year Built

2015

Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

1-unit detached57.0%
1-unit attached1.2%
2-9 units27.4%
10+ units12.2%
Mobile home & other2.2%

ZIP 37816 — Housing & Real Estate

Housing & Real Estate in ZIP Code 37816

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