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ZIP 39109 — 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 39109

Median Home Value
$78,700
Median Rent
$937
Affordability Snapshot
$22,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$506/mo PITI).

25%
Rent-to-Income Ratio

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

1.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

7.0 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 39109, a household would need roughly $22,000 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 $506. That sits below the local median household income ($45,397), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
91.2%+39% vs US avg
x
Vacancy Rate
16.6%+62% vs US avg
x
Broadband Access
72.2%-17% vs US avg
x
4+ Bedrooms
0.7%-95% vs US avg
x
Built Pre-1939
10.6%-17% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
9.8%-80% vs US avg
x
Mortgage-Free
68.6%+80% vs US avg
x
$78,700
Home Value
$937
Rent
1979
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached67.7%
  • 1-unit attached0.0%
  • 2-9 units5.2%
  • 10+ units0.0%
  • Mobile home & other27.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$78,700
Median rent$937
Owner-occupied91.2%
Vacant16.6%
Price-to-income1.7x
Est. income to buy$22,000