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Adams city, TN

ZIP 37010 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 37010

Median Home Value
$345,200
Median Rent
$577
Affordability Snapshot
$95,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,217/mo PITI).

6%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

49.9 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 37010 in Adams city, TN, a household would need roughly $95,000 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 $2,217. That sits below the local median household income ($115,362), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
94.9%+45% vs US avg
x
Vacancy Rate
5.3%-49% vs US avg
x
Broadband Access
87.3%+0% vs US avg
x
4+ Bedrooms
4.4%-70% vs US avg
x
Built Pre-1939
2.3%-82% vs US avg
x
Built Post-2014
0.2%-98% vs US avg
x
Rent Burden >30%
60.9%+22% vs US avg
x
Mortgage-Free
38.2%+0% vs US avg
x
$345,200
Home Value
$577
Rent
1998
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached88.7%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other11.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$345,200
Median rent$577
Owner-occupied94.9%
Vacant5.3%
Price-to-income3.0x
Est. income to buy$95,000