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Surgoinsville town, TN

ZIP 37873 — 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 37873

Median Home Value
$140,100
Median Rent
$500
Affordability Snapshot
$39,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$900/mo PITI).

16%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

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

23.4 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 37873 in Surgoinsville town, TN, a household would need roughly $39,000 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 $900. That is roughly in line with the local median household income ($37,385). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
79.9%+22% vs US avg
x
Vacancy Rate
17.6%+71% vs US avg
x
Broadband Access
79.8%-8% vs US avg
x
4+ Bedrooms
0.7%-95% vs US avg
x
Built Pre-1939
4.5%-65% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
14.6%-71% vs US avg
x
Mortgage-Free
75.3%+97% vs US avg
x
$140,100
Home Value
$500
Rent
1982
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached72.3%
  • 1-unit attached0.2%
  • 2-9 units0.2%
  • 10+ units0.8%
  • Mobile home & other26.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$140,100
Median rent$500
Owner-occupied79.9%
Vacant17.6%
Price-to-income3.7x
Est. income to buy$39,000