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Vanleer town, TN

ZIP 37181 — 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 37181

Median Home Value
$172,900
Median Rent
$622
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,111/mo PITI).

12%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.2 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 37181 in Vanleer town, TN, a household would need roughly $48,000 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 $1,111. That sits below the local median household income ($64,583), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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
81.6%+25% vs US avg
x
Vacancy Rate
15.1%+47% vs US avg
x
Broadband Access
84.9%-2% vs US avg
x
4+ Bedrooms
0.7%-95% vs US avg
x
Built Pre-1939
9.5%-26% vs US avg
x
Built Post-2014
2.1%-69% vs US avg
x
Rent Burden >30%
17.9%-64% vs US avg
x
Mortgage-Free
66.6%+74% vs US avg
x
$172,900
Home Value
$622
Rent
1978
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 detached78.1%
  • 1-unit attached1.1%
  • 2-9 units1.5%
  • 10+ units1.5%
  • Mobile home & other17.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$172,900
Median rent$622
Owner-occupied81.6%
Vacant15.1%
Price-to-income2.7x
Est. income to buy$48,000