US5.com
  1. Home
  2. States
  3. Tennessee
  4. ZIP 37866
  5. Housing & Real Estate
, TN

ZIP 37866 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 37866

Median Home Value
$278,300
Median Rent
$394
Affordability Snapshot
$77,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,788/mo PITI).

5%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

58.9 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 37866 in TN, a household would need roughly $77,000 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 $1,788. That sits below the local median household income ($85,978), 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 31% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
91.6%+40% vs US avg
x
Vacancy Rate
30.9%+200% vs US avg
x
Broadband Access
84.8%-3% vs US avg
x
4+ Bedrooms
5.0%-66% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
47.7%+25% vs US avg
x
$278,300
Home Value
$394
Rent
2002
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 detached86.9%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other13.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$278,300
Median rent$394
Owner-occupied91.6%
Vacant30.9%
Price-to-income3.2x
Est. income to buy$77,000