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ZIP 39505
Housing & Real Estate

ZIP 39505 — 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 39505

Median Home Value

$136,100

Median Rent

$903

Affordability Snapshot

$37,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$874/mo PITI).

23%

Rent-to-Income Ratio

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

2.9x

Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.6 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 39505, a household would need roughly $37,000 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 $874. That sits below the local median household income ($46,167), 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

Diverse housing tenure.

Heating Fuel

Housing Metrics

Owner Occupied

33.1%-49% vs US avg

Vacancy Rate

7.1%-31% vs US avg

Broadband Access

91.5%+5% vs US avg

4+ Bedrooms

0.0%

Built Pre-1939

0.0%

Built Post-2014

0.0%

Rent Burden >30%

22.1%-55% vs US avg

Mortgage-Free

47.8%+25% vs US avg

$136,100

Home Value

$903

Rent

1983

Year Built

2018

Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

1-unit detached55.5%
1-unit attached6.4%
2-9 units27.9%
10+ units7.0%
Mobile home & other3.2%

ZIP 39505 — Housing & Real Estate

Housing & Real Estate in ZIP Code 39505

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