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Columbia city, TN

ZIP 38401 — 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 38401

Median Home Value
$295,200
Median Rent
$888
Affordability Snapshot
$81,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,896/mo PITI).

15%
Rent-to-Income Ratio

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

4.2x
Home Price-to-Income Ratio

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

27.7 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 38401 in Columbia city, TN, a household would need roughly $81,000 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 $1,896. That is about 17% above the local median household income ($69,467), so the median earner would likely stretch or need a larger down payment. 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
71.8%+10% vs US avg
x
Vacancy Rate
8.8%-15% vs US avg
x
Broadband Access
89.4%+3% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
5.3%-59% vs US avg
x
Built Post-2014
2.7%-60% vs US avg
x
Rent Burden >30%
25.3%-49% vs US avg
x
Mortgage-Free
36.9%-3% vs US avg
x
$295,200
Home Value
$888
Rent
1985
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached74.7%
  • 1-unit attached2.7%
  • 2-9 units11.0%
  • 10+ units3.7%
  • Mobile home & other7.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$295,200
Median rent$888
Owner-occupied71.8%
Vacant8.8%
Price-to-income4.2x
Est. income to buy$81,000