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, TN

ZIP 38548 — 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 38548

Median Home Value
$213,100
Median Rent
$517
Affordability Snapshot
$59,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,369/mo PITI).

11%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

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

34.3 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 38548 in TN, a household would need roughly $59,000 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 $1,369. That is roughly in line with the local median household income ($56,979). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
93.3%+43% vs US avg
x
Vacancy Rate
18.3%+78% vs US avg
x
Broadband Access
94.8%+9% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
1.9%-72% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
79.5%+108% vs US avg
x
$213,100
Home Value
$517
Rent
1974
Year Built
1999
Moved In

Residents have lived here since ~1999 on average

Housing Structure

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

  • 1-unit detached84.4%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other15.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$213,100
Median rent$517
Owner-occupied93.3%
Vacant18.3%
Price-to-income3.7x
Est. income to buy$59,000