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ZIP 37864 — Housing & Real Estate

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

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 37864

Median Home Value
$305,200
Median Rent
$783
Affordability Snapshot
$84,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,961/mo PITI).

21%
Rent-to-Income Ratio

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

6.8x
Home Price-to-Income Ratio

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

32.5 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 37864, a household would need roughly $84,000 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 $1,961. That is about 87% above the local median household income ($44,873), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
38.0%-42% vs US avg
x
Vacancy Rate
6.4%-38% vs US avg
x
Broadband Access
90.4%+4% vs US avg
x
4+ Bedrooms
2.0%-86% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
2.6%-62% vs US avg
x
Rent Burden >30%
14.8%-70% vs US avg
x
Mortgage-Free
53.6%+40% vs US avg
x
$305,200
Home Value
$783
Rent
1993
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached50.2%
  • 1-unit attached1.9%
  • 2-9 units26.8%
  • 10+ units18.0%
  • Mobile home & other3.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$305,200
Median rent$783
Owner-occupied38.0%
Vacant6.4%
Price-to-income6.8x
Est. income to buy$84,000