Easiest ZIP codes to buy in Tennessee
Top 25 easiest ZIP codes to buy into in Tennessee by price-to-income ratio. #1 is 38391 at about 1.3x. Compare buy-in affordability on US5.
These ZIP codes have the lowest median home price-to-income ratios in Tennessee — a practical “buy-in difficulty” signal that combines local home values with local earnings.
Lowest ratios on this board: 38391 at about 1.3x; 38328 (Darden) at about 1.4x; 37361 (Ocoee) at about 1.5x.
Open a ZIP page for an illustrative “estimated income to buy” figure based on a transparent mortgage model (down payment, rate, taxes, and insurance assumptions).
Open any ZIP for a full demographics, income, and housing profile, or return to the Tennessee state page for the complete ZIP table.
Ranked ZIP codes
| # | ZIP | City | County | Price-to-income | Population | Income | Home value |
|---|---|---|---|---|---|---|---|
| 1 | 38391 | — | Madison County | 1.3x | 1,507 | $74,145 | $97,500 |
| 2 | 38328 | Darden | Henderson County | 1.4x | 1,011 | $100,625 | $141,800 |
| 3 | 37361 | Ocoee | Polk County | 1.5x | 2,205 | $79,167 | $116,100 |
| 4 | 37829 | Oakdale | Morgan County | 1.5x | 1,939 | $87,564 | $130,300 |
| 5 | 37753 | — | Cocke County | 1.5x | 1,075 | $51,728 | $78,300 |
| 6 | 37317 | Copperhill | Polk County | 1.6x | 2,576 | $73,032 | $117,500 |
| 7 | 38233 | Kenton | Gibson County | 1.6x | 2,795 | $55,481 | $90,900 |
| 8 | 38232 | Hornbeak | Obion County | 1.6x | 2,254 | $49,438 | $81,100 |
| 9 | 38240 | Obion | Obion County | 1.7x | 1,760 | $58,468 | $98,900 |
| 10 | 38366 | Pinson | Madison County | 1.7x | 2,386 | $72,090 | $122,000 |
| 11 | 37079 | — | Stewart County | 1.8x | 2,770 | $83,875 | $146,900 |
| 12 | 38545 | — | Jackson County | 1.8x | 1,545 | $59,375 | $104,600 |
| 13 | 37134 | New Johnsonville | Humphreys County | 1.8x | 2,922 | $80,343 | $141,900 |
| 14 | 38108 | Memphis | Shelby County | 1.8x | 18,501 | $35,435 | $62,600 |
| 15 | 38460 | Minor Hill | Giles County | 1.8x | 1,704 | $100,052 | $177,100 |
| 16 | 38370 | Saltillo | Hardin County | 1.8x | 1,048 | $67,147 | $119,200 |
| 17 | 38258 | Trezevant | Carroll County | 1.8x | 1,384 | $52,150 | $92,800 |
| 18 | 38230 | Greenfield | Weakley County | 1.8x | 3,708 | $52,633 | $95,600 |
| 19 | 38450 | Collinwood | Wayne County | 1.9x | 2,633 | $42,773 | $80,300 |
| 20 | 38334 | Finger | McNairy County | 1.9x | 1,708 | $68,380 | $130,300 |
| 21 | 38463 | Iron City | Wayne County | 1.9x | 2,857 | $71,000 | $135,800 |
| 22 | 38126 | Memphis | Shelby County | 1.9x | 5,723 | $30,825 | $59,000 |
| 23 | 37365 | Palmer | Grundy County | 1.9x | 1,729 | $50,962 | $97,600 |
| 24 | 38037 | Gates | Haywood County | 1.9x | 1,556 | $45,948 | $89,000 |
| 25 | 38041 | Henning | Lauderdale County | 2.0x | 4,328 | $45,969 | $90,400 |
Frequently asked questions
Which ZIP codes in Tennessee are easiest to buy into?
By median home price-to-income ratio, 38391 ranks near the top at about 1.3x. Lower ratios generally mean local incomes go further against local home prices.
How does US5 rank ZIP codes in Tennessee?
We rank indexable ZIP codes with both income and home-value data by lowest median home price-to-income ratio (with a population floor).
Where can I explore all ZIP codes in Tennessee?
Visit the Tennessee state page for the full ZIP table, demographics summary, and sortable income/housing columns.