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Hartsville/Trousdale County, TN

ZIP 37074 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 37074

Median Home Value
$256,100
Median Rent
$589
Affordability Snapshot
$71,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,645/mo PITI).

11%
Rent-to-Income Ratio

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

4.1x
Home Price-to-Income Ratio

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

36.2 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 37074 in Hartsville/Trousdale County, TN, 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 $1,645. That is roughly in line with the local median household income ($62,931). 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
71.7%+10% vs US avg
x
Vacancy Rate
8.0%-23% vs US avg
x
Broadband Access
88.5%+2% vs US avg
x
4+ Bedrooms
0.8%-94% vs US avg
x
Built Pre-1939
1.7%-87% vs US avg
x
Built Post-2014
5.5%-20% vs US avg
x
Rent Burden >30%
16.8%-66% vs US avg
x
Mortgage-Free
39.7%+4% vs US avg
x
$256,100
Home Value
$589
Rent
1990
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached64.8%
  • 1-unit attached1.0%
  • 2-9 units7.0%
  • 10+ units2.2%
  • Mobile home & other24.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$256,100
Median rent$589
Owner-occupied71.7%
Vacant8.0%
Price-to-income4.1x
Est. income to buy$71,000