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Liberty town, TN

ZIP 37095 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 37095

Median Home Value
$196,500
Median Rent
$588
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,262/mo PITI).

14%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

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

27.8 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 37095 in Liberty town, TN, a household would need roughly $54,000 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 $1,262. That is roughly in line with the local median household income ($50,278). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
67.0%+3% vs US avg
x
Vacancy Rate
14.8%+43% vs US avg
x
Broadband Access
70.5%-19% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
1.3%-90% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
25.3%-49% vs US avg
x
Mortgage-Free
67.0%+75% vs US avg
x
$196,500
Home Value
$588
Rent
1980
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 detached80.2%
  • 1-unit attached1.2%
  • 2-9 units2.2%
  • 10+ units0.0%
  • Mobile home & other16.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$196,500
Median rent$588
Owner-occupied67.0%
Vacant14.8%
Price-to-income3.9x
Est. income to buy$54,000