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ZIP 38835 — Housing & Real Estate

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

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 38835

Median Home Value
$107,700
Median Rent
$551
Affordability Snapshot
$30,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$692/mo PITI).

19%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

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

16.3 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 38835, a household would need roughly $30,000 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 $692. That sits below the local median household income ($35,574), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
48.1%-26% vs US avg
x
Vacancy Rate
10.6%+3% vs US avg
x
Broadband Access
59.0%-32% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
7.3%-43% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
16.8%-66% vs US avg
x
Mortgage-Free
65.5%+72% vs US avg
x
$107,700
Home Value
$551
Rent
1983
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached51.0%
  • 1-unit attached1.3%
  • 2-9 units13.0%
  • 10+ units18.8%
  • Mobile home & other15.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$107,700
Median rent$551
Owner-occupied48.1%
Vacant10.6%
Price-to-income3.0x
Est. income to buy$30,000