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Westmoreland town, TN

ZIP 37186 — 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 37186

Median Home Value
$193,400
Median Rent
$687
Affordability Snapshot
$53,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,242/mo PITI).

14%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

23.5 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 37186 in Westmoreland town, TN, a household would need roughly $53,000 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 $1,242. That is roughly in line with the local median household income ($57,133). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
67.8%+4% vs US avg
x
Vacancy Rate
13.1%+27% vs US avg
x
Broadband Access
84.0%-3% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
1.8%-86% vs US avg
x
Built Post-2014
3.1%-55% vs US avg
x
Rent Burden >30%
12.2%-75% vs US avg
x
Mortgage-Free
46.4%+21% vs US avg
x
$193,400
Home Value
$687
Rent
1992
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 detached61.9%
  • 1-unit attached0.6%
  • 2-9 units3.0%
  • 10+ units1.8%
  • Mobile home & other32.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$193,400
Median rent$687
Owner-occupied67.8%
Vacant13.1%
Price-to-income3.4x
Est. income to buy$53,000