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Smithville city, TN

ZIP 37166 — 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 37166

Median Home Value
$183,600
Median Rent
$571
Affordability Snapshot
$51,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,179/mo PITI).

15%
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.

26.8 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 37166 in Smithville city, TN, a household would need roughly $51,000 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 $1,179. That is roughly in line with the local median household income ($46,713). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
65.6%+0% vs US avg
x
Vacancy Rate
13.6%+32% vs US avg
x
Broadband Access
77.4%-11% vs US avg
x
4+ Bedrooms
1.1%-93% vs US avg
x
Built Pre-1939
1.2%-91% vs US avg
x
Built Post-2014
1.4%-79% vs US avg
x
Rent Burden >30%
16.4%-67% vs US avg
x
Mortgage-Free
44.2%+16% vs US avg
x
$183,600
Home Value
$571
Rent
1982
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached72.4%
  • 1-unit attached1.3%
  • 2-9 units6.7%
  • 10+ units3.0%
  • Mobile home & other16.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$183,600
Median rent$571
Owner-occupied65.6%
Vacant13.6%
Price-to-income3.9x
Est. income to buy$51,000