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Grand Junction city, TN

ZIP 38039 — 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 38039

Median Home Value
$135,300
Median Rent
$526
Affordability Snapshot
$37,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$869/mo PITI).

14%
Rent-to-Income Ratio

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

3.1x
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 38039 in Grand Junction city, TN, a household would need roughly $37,000 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 $869. That sits below the local median household income ($44,063), 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 27% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.8%+16% vs US avg
x
Vacancy Rate
27.4%+166% vs US avg
x
Broadband Access
75.4%-13% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
10.3%-19% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
18.8%-62% vs US avg
x
Mortgage-Free
42.8%+12% vs US avg
x
$135,300
Home Value
$526
Rent
1974
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached70.4%
  • 1-unit attached0.1%
  • 2-9 units2.2%
  • 10+ units0.0%
  • Mobile home & other27.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$135,300
Median rent$526
Owner-occupied75.8%
Vacant27.4%
Price-to-income3.1x
Est. income to buy$37,000