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Athens city, TN

ZIP 37303 — 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 37303

Median Home Value
$196,800
Median Rent
$651
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,264/mo PITI).

13%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

25.2 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 37303 in Athens city, 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 $1,264. That sits below the local median household income ($60,874), 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 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
68.5%+5% vs US avg
x
Vacancy Rate
10.0%-3% vs US avg
x
Broadband Access
88.2%+1% vs US avg
x
4+ Bedrooms
4.3%-71% vs US avg
x
Built Pre-1939
5.1%-60% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
15.8%-68% vs US avg
x
Mortgage-Free
44.6%+17% vs US avg
x
$196,800
Home Value
$651
Rent
1979
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached68.9%
  • 1-unit attached1.6%
  • 2-9 units13.7%
  • 10+ units3.2%
  • Mobile home & other12.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$196,800
Median rent$651
Owner-occupied68.5%
Vacant10.0%
Price-to-income3.2x
Est. income to buy$54,000