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ZIP 38186
Housing & Real Estate

ZIP 38186 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 38186

Median Home Value

$144,900

Median Rent

$793

Affordability Snapshot

$40,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$931/mo PITI).

25%

Rent-to-Income Ratio

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

3.8x

Home Price-to-Income Ratio

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

15.2 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 38186, a household would need roughly $40,000 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 $931. That is roughly in line with the local median household income ($38,022). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 49% — check local market conditions.

Heating Fuel

Housing Metrics

Owner Occupied

36.8%-44% vs US avg

Vacancy Rate

49.0%+376% vs US avg

Broadband Access

85.7%-1% vs US avg

4+ Bedrooms

4.5%-70% vs US avg

Built Pre-1939

5.6%-56% vs US avg

Built Post-2014

0.0%

Rent Burden >30%

36.7%-26% vs US avg

Mortgage-Free

50.6%+33% vs US avg

$144,900

Home Value

$793

Rent

1967

Year Built

2016

Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

1-unit detached22.9%
1-unit attached12.6%
2-9 units53.2%
10+ units11.3%
Mobile home & other0.0%

ZIP 38186 — Housing & Real Estate

Housing & Real Estate in ZIP Code 38186

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