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Finley CDP, TN

ZIP 38030 — 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 38030

Median Home Value
$171,400
Median Rent
$904
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,101/mo PITI).

19%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.8 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 38030 in Finley CDP, TN, a household would need roughly $47,000 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 $1,101. That sits below the local median household income ($57,393), 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 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
42.7%-35% vs US avg
x
Vacancy Rate
17.6%+71% vs US avg
x
Broadband Access
94.9%+9% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
84.0%+120% vs US avg
x
$171,400
Home Value
$904
Rent
1967
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 detached81.7%
  • 1-unit attached0.0%
  • 2-9 units14.1%
  • 10+ units0.0%
  • Mobile home & other4.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$171,400
Median rent$904
Owner-occupied42.7%
Vacant17.6%
Price-to-income3.0x
Est. income to buy$47,000