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Gadsden town, TN

ZIP 38337 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 38337

Median Home Value
$191,300
Median Rent
$509
Affordability Snapshot
$53,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,229/mo PITI).

10%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

31.3 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 38337 in Gadsden town, TN, a household would need roughly $53,000 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 $1,229. That sits below the local median household income ($60,262), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
66.4%+2% vs US avg
x
Vacancy Rate
12.9%+25% vs US avg
x
Broadband Access
93.6%+8% vs US avg
x
4+ Bedrooms
0.7%-96% vs US avg
x
Built Pre-1939
6.7%-48% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
15.1%-70% vs US avg
x
Mortgage-Free
43.2%+13% vs US avg
x
$191,300
Home Value
$509
Rent
1977
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 detached90.2%
  • 1-unit attached0.0%
  • 2-9 units0.3%
  • 10+ units0.0%
  • Mobile home & other9.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$191,300
Median rent$509
Owner-occupied66.4%
Vacant12.9%
Price-to-income3.2x
Est. income to buy$53,000