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Franklin city, TN

ZIP 37069 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 37069

Median Home Value
$713,200
Median Rent
$2,050
Affordability Snapshot
$196,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,581/mo PITI).

17%
Rent-to-Income Ratio

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

4.9x
Home Price-to-Income Ratio

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

29.0 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 37069 in Franklin city, TN, a household would need roughly $196,000 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 $4,581. That is about 34% above the local median household income ($146,336), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
87.3%+34% vs US avg
x
Vacancy Rate
3.1%-70% vs US avg
x
Broadband Access
97.1%+12% vs US avg
x
4+ Bedrooms
14.8%-0% vs US avg
x
Built Pre-1939
0.6%-95% vs US avg
x
Built Post-2014
1.0%-85% vs US avg
x
Rent Burden >30%
17.4%-65% vs US avg
x
Mortgage-Free
39.2%+3% vs US avg
x
$713,200
Home Value
$2,050
Rent
1993
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 detached86.4%
  • 1-unit attached7.1%
  • 2-9 units1.9%
  • 10+ units4.2%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$713,200
Median rent$2,050
Owner-occupied87.3%
Vacant3.1%
Price-to-income4.9x
Est. income to buy$196,000