US5.com
  1. Home
  2. States
  3. Tennessee
  4. ZIP 38201
  5. Housing & Real Estate
McKenzie city, TN

ZIP 38201 — 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 38201

Median Home Value
$155,900
Median Rent
$527
Affordability Snapshot
$43,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,001/mo PITI).

14%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

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

24.7 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 38201 in McKenzie city, TN, a household would need roughly $43,000 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 $1,001. That is roughly in line with the local median household income ($46,585). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
69.7%+7% vs US avg
x
Vacancy Rate
9.7%-6% vs US avg
x
Broadband Access
76.4%-12% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
4.7%-63% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
27.0%-46% vs US avg
x
Mortgage-Free
53.6%+40% vs US avg
x
$155,900
Home Value
$527
Rent
1978
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached67.1%
  • 1-unit attached0.3%
  • 2-9 units13.4%
  • 10+ units3.7%
  • Mobile home & other15.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$155,900
Median rent$527
Owner-occupied69.7%
Vacant9.7%
Price-to-income3.3x
Est. income to buy$43,000