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Camden city, TN

ZIP 38320 — 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 38320

Median Home Value
$124,600
Median Rent
$563
Affordability Snapshot
$34,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$800/mo PITI).

12%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.4 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 38320 in Camden city, TN, a household would need roughly $34,000 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 $800. That sits below the local median household income ($57,679), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.2%+12% vs US avg
x
Vacancy Rate
12.4%+21% vs US avg
x
Broadband Access
78.8%-9% vs US avg
x
4+ Bedrooms
3.8%-75% vs US avg
x
Built Pre-1939
2.8%-78% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
16.9%-66% vs US avg
x
Mortgage-Free
57.0%+49% vs US avg
x
$124,600
Home Value
$563
Rent
1982
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 detached71.1%
  • 1-unit attached0.9%
  • 2-9 units2.4%
  • 10+ units1.6%
  • Mobile home & other24.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$124,600
Median rent$563
Owner-occupied73.2%
Vacant12.4%
Price-to-income2.2x
Est. income to buy$34,000