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Baxter town, TN

ZIP 38544 — 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 38544

Median Home Value
$222,500
Median Rent
$762
Affordability Snapshot
$61,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,429/mo PITI).

14%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

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

24.3 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 38544 in Baxter town, TN, a household would need roughly $61,000 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 $1,429. That is roughly in line with the local median household income ($66,801). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.8%+20% vs US avg
x
Vacancy Rate
14.9%+45% vs US avg
x
Broadband Access
87.5%+1% vs US avg
x
4+ Bedrooms
2.1%-86% vs US avg
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
22.6%-54% vs US avg
x
Mortgage-Free
50.2%+31% vs US avg
x
$222,500
Home Value
$762
Rent
1993
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached77.2%
  • 1-unit attached0.7%
  • 2-9 units2.4%
  • 10+ units0.5%
  • Mobile home & other19.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$222,500
Median rent$762
Owner-occupied78.8%
Vacant14.9%
Price-to-income3.3x
Est. income to buy$61,000