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Dayton city, TN

ZIP 37321 — 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 37321

Median Home Value
$168,000
Median Rent
$689
Affordability Snapshot
$46,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,079/mo PITI).

14%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.3 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 37321 in Dayton city, TN, a household would need roughly $46,000 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 $1,079. That sits below the local median household income ($59,182), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
70.1%+7% vs US avg
x
Vacancy Rate
11.1%+8% vs US avg
x
Broadband Access
91.0%+5% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
2.9%-78% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
14.6%-71% vs US avg
x
Mortgage-Free
50.7%+33% vs US avg
x
$168,000
Home Value
$689
Rent
1993
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 detached67.6%
  • 1-unit attached0.7%
  • 2-9 units15.5%
  • 10+ units0.4%
  • Mobile home & other15.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$168,000
Median rent$689
Owner-occupied70.1%
Vacant11.1%
Price-to-income2.8x
Est. income to buy$46,000