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Karns CDP, TN

ZIP 37931 — 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 37931

Median Home Value
$317,100
Median Rent
$1,233
Affordability Snapshot
$87,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,037/mo PITI).

16%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

21.4 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 37931 in Karns CDP, TN, a household would need roughly $87,000 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 $2,037. That is roughly in line with the local median household income ($91,284). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
71.0%+8% vs US avg
x
Vacancy Rate
4.7%-54% vs US avg
x
Broadband Access
92.9%+7% vs US avg
x
4+ Bedrooms
4.6%-69% vs US avg
x
Built Pre-1939
1.1%-92% vs US avg
x
Built Post-2014
3.0%-57% vs US avg
x
Rent Burden >30%
13.2%-73% vs US avg
x
Mortgage-Free
36.3%-5% vs US avg
x
$317,100
Home Value
$1,233
Rent
1997
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 detached69.6%
  • 1-unit attached7.4%
  • 2-9 units7.1%
  • 10+ units9.9%
  • Mobile home & other5.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$317,100
Median rent$1,233
Owner-occupied71.0%
Vacant4.7%
Price-to-income3.5x
Est. income to buy$87,000