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Union City city, TN

ZIP 38261 — 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 38261

Median Home Value
$141,900
Median Rent
$534
Affordability Snapshot
$39,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$912/mo PITI).

12%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.1 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 38261 in Union City city, TN, a household would need roughly $39,000 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 $912. That sits below the local median household income ($52,884), 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 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
60.5%-8% vs US avg
x
Vacancy Rate
10.4%+1% vs US avg
x
Broadband Access
83.4%-4% vs US avg
x
4+ Bedrooms
1.5%-90% vs US avg
x
Built Pre-1939
5.8%-55% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
12.8%-74% vs US avg
x
Mortgage-Free
45.8%+20% vs US avg
x
$141,900
Home Value
$534
Rent
1973
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached73.2%
  • 1-unit attached2.2%
  • 2-9 units16.3%
  • 10+ units1.3%
  • Mobile home & other7.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$141,900
Median rent$534
Owner-occupied60.5%
Vacant10.4%
Price-to-income2.7x
Est. income to buy$39,000