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Waynesboro city, TN

ZIP 38485 — 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 38485

Median Home Value
$129,700
Median Rent
$407
Affordability Snapshot
$36,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$833/mo PITI).

9%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

26.6 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 38485 in Waynesboro city, TN, a household would need roughly $36,000 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 $833. That sits below the local median household income ($54,559), 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 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.7%+19% vs US avg
x
Vacancy Rate
18.6%+80% vs US avg
x
Broadband Access
83.9%-4% vs US avg
x
4+ Bedrooms
4.5%-69% vs US avg
x
Built Pre-1939
8.8%-31% vs US avg
x
Built Post-2014
2.0%-71% vs US avg
x
Rent Burden >30%
16.4%-67% vs US avg
x
Mortgage-Free
48.7%+27% vs US avg
x
$129,700
Home Value
$407
Rent
1979
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 detached67.6%
  • 1-unit attached1.0%
  • 2-9 units6.3%
  • 10+ units1.8%
  • Mobile home & other23.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$129,700
Median rent$407
Owner-occupied77.7%
Vacant18.6%
Price-to-income2.4x
Est. income to buy$36,000