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Braden town, TN

ZIP 38049 — 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 38049

Median Home Value
$149,500
Median Rent
$812
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$960/mo PITI).

17%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.3 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 38049 in Braden town, TN, a household would need roughly $41,000 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 $960. That sits below the local median household income ($57,321), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
68.2%+4% vs US avg
x
Vacancy Rate
11.2%+8% vs US avg
x
Broadband Access
84.4%-3% vs US avg
x
4+ Bedrooms
4.7%-68% vs US avg
x
Built Pre-1939
5.7%-56% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
12.2%-75% vs US avg
x
Mortgage-Free
41.3%+8% vs US avg
x
$149,500
Home Value
$812
Rent
1988
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 detached76.6%
  • 1-unit attached0.4%
  • 2-9 units0.6%
  • 10+ units0.2%
  • Mobile home & other22.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$149,500
Median rent$812
Owner-occupied68.2%
Vacant11.2%
Price-to-income2.6x
Est. income to buy$41,000