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Philadelphia city, TN

ZIP 37846 — 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 37846

Median Home Value
$200,000
Median Rent
$537
Affordability Snapshot
$55,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,285/mo PITI).

9%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

31.0 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 37846 in Philadelphia city, TN, a household would need roughly $55,000 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 $1,285. That sits below the local median household income ($71,147), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.6%+19% vs US avg
x
Vacancy Rate
11.5%+12% vs US avg
x
Broadband Access
73.8%-15% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
6.1%-53% vs US avg
x
Built Post-2014
1.7%-76% vs US avg
x
Rent Burden >30%
15.9%-68% vs US avg
x
Mortgage-Free
57.5%+50% vs US avg
x
$200,000
Home Value
$537
Rent
1992
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached70.9%
  • 1-unit attached0.4%
  • 2-9 units0.8%
  • 10+ units0.0%
  • Mobile home & other27.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$200,000
Median rent$537
Owner-occupied77.6%
Vacant11.5%
Price-to-income2.8x
Est. income to buy$55,000