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, TN

ZIP 38475 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 38475

Median Home Value
$118,900
Median Rent
N/A
Affordability Snapshot
$33,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$764/mo PITI).

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 38475 in TN, a household would need roughly $33,000 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 $764. That sits below the local median household income ($53,472), 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 50% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
96.6%+48% vs US avg
x
Vacancy Rate
50.1%+387% vs US avg
x
Broadband Access
94.1%+8% vs US avg
x
4+ Bedrooms
2.7%-81% vs US avg
x
Built Pre-1939
1.7%-87% vs US avg
x
Built Post-2014
2.3%-66% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
79.5%+108% vs US avg
x
$118,900
Home Value
N/A
Rent
1985
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached52.8%
  • 1-unit attached1.7%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other45.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$118,900
Median rent$-666,666,666
Owner-occupied96.6%
Vacant50.1%
Price-to-income2.2x
Est. income to buy$33,000