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ZIP 38187 — Housing & Real Estate

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

Upper Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 38187

Median Home Value
$397,400
Median Rent
$990
Affordability Snapshot
$109,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,553/mo PITI).

12%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

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

33.5 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 38187, a household would need roughly $109,000 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 $2,553. That is roughly in line with the local median household income ($101,404). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
60.0%-8% vs US avg
x
Vacancy Rate
3.7%-64% vs US avg
x
Broadband Access
94.7%+9% vs US avg
x
4+ Bedrooms
12.1%-18% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
20.8%-58% vs US avg
x
Mortgage-Free
42.7%+12% vs US avg
x
$397,400
Home Value
$990
Rent
1975
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached52.3%
  • 1-unit attached18.3%
  • 2-9 units14.6%
  • 10+ units14.7%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$397,400
Median rent$990
Owner-occupied60.0%
Vacant3.7%
Price-to-income3.9x
Est. income to buy$109,000