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Crossville city, TN

ZIP 38555 — 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 38555

Median Home Value
$221,400
Median Rent
$627
Affordability Snapshot
$61,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,422/mo PITI).

14%
Rent-to-Income Ratio

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

4.0x
Home Price-to-Income Ratio

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

29.4 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 38555 in Crossville city, 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 $1,422. That is roughly in line with the local median household income ($55,286). 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
66.3%+1% vs US avg
x
Vacancy Rate
8.7%-15% vs US avg
x
Broadband Access
86.2%-1% vs US avg
x
4+ Bedrooms
2.7%-81% vs US avg
x
Built Pre-1939
3.3%-74% vs US avg
x
Built Post-2014
2.3%-66% vs US avg
x
Rent Burden >30%
17.2%-65% vs US avg
x
Mortgage-Free
49.8%+30% vs US avg
x
$221,400
Home Value
$627
Rent
1991
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached71.0%
  • 1-unit attached2.4%
  • 2-9 units15.7%
  • 10+ units4.5%
  • Mobile home & other6.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$221,400
Median rent$627
Owner-occupied66.3%
Vacant8.7%
Price-to-income4.0x
Est. income to buy$61,000