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Scotts Hill town, TN

ZIP 38374 — 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 38374

Median Home Value
$148,400
Median Rent
$431
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$953/mo PITI).

13%
Rent-to-Income Ratio

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

3.8x
Home Price-to-Income Ratio

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

28.7 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 38374 in Scotts Hill town, TN, a household would need roughly $41,000 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 $953. That is roughly in line with the local median household income ($38,591). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 24% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
69.7%+7% vs US avg
x
Vacancy Rate
23.7%+130% vs US avg
x
Broadband Access
83.8%-4% vs US avg
x
4+ Bedrooms
7.7%-48% vs US avg
x
Built Pre-1939
1.5%-89% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
19.8%-60% vs US avg
x
Mortgage-Free
57.0%+49% vs US avg
x
$148,400
Home Value
$431
Rent
1981
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached72.0%
  • 1-unit attached0.5%
  • 2-9 units3.8%
  • 10+ units0.3%
  • Mobile home & other23.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$148,400
Median rent$431
Owner-occupied69.7%
Vacant23.7%
Price-to-income3.8x
Est. income to buy$41,000