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ZIP 37070 — Housing & Real Estate

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

Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 37070

Median Home Value
$259,100
Median Rent
$1,367
Affordability Snapshot
$71,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,664/mo PITI).

27%
Rent-to-Income Ratio

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

4.3x
Home Price-to-Income Ratio

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

15.8 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 37070, a household would need roughly $71,000 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 $1,664. That is about 18% above the local median household income ($60,343), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
47.8%-27% vs US avg
x
Vacancy Rate
8.6%-16% vs US avg
x
Broadband Access
90.0%+3% vs US avg
x
4+ Bedrooms
0.6%-96% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
15.7%-68% vs US avg
x
Mortgage-Free
15.3%-60% vs US avg
x
$259,100
Home Value
$1,367
Rent
1989
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached30.7%
  • 1-unit attached14.2%
  • 2-9 units20.8%
  • 10+ units33.8%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$259,100
Median rent$1,367
Owner-occupied47.8%
Vacant8.6%
Price-to-income4.3x
Est. income to buy$71,000