US5.com
  1. Home
  2. States
  3. Tennessee
  4. ZIP 38305
  5. Housing & Real Estate
Jackson city, TN

ZIP 38305 — Housing & Real Estate

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

Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 38305

Median Home Value
$221,200
Median Rent
$924
Affordability Snapshot
$61,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,421/mo PITI).

17%
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.

19.9 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 38305 in Jackson city, TN, a household would need roughly $61,000 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 $1,421. That is roughly in line with the local median household income ($66,292). 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
65.2%-0% vs US avg
x
Vacancy Rate
7.0%-32% vs US avg
x
Broadband Access
90.8%+4% vs US avg
x
4+ Bedrooms
4.7%-68% vs US avg
x
Built Pre-1939
0.3%-98% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
30.7%-38% vs US avg
x
Mortgage-Free
40.0%+5% vs US avg
x
$221,200
Home Value
$924
Rent
1991
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached70.6%
  • 1-unit attached3.0%
  • 2-9 units18.4%
  • 10+ units4.6%
  • Mobile home & other3.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$221,200
Median rent$924
Owner-occupied65.2%
Vacant7.0%
Price-to-income3.3x
Est. income to buy$61,000