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Decatur town, TN

ZIP 37322 — 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 37322

Median Home Value
$184,800
Median Rent
$559
Affordability Snapshot
$51,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,187/mo PITI).

12%
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.

27.5 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 37322 in Decatur town, 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 $1,187. That is roughly in line with the local median household income ($53,965). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
71.2%+9% vs US avg
x
Vacancy Rate
9.0%-12% vs US avg
x
Broadband Access
77.6%-11% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
2.2%-83% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
20.1%-60% vs US avg
x
Mortgage-Free
60.4%+58% vs US avg
x
$184,800
Home Value
$559
Rent
1992
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached59.1%
  • 1-unit attached0.6%
  • 2-9 units3.7%
  • 10+ units0.4%
  • Mobile home & other36.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$184,800
Median rent$559
Owner-occupied71.2%
Vacant9.0%
Price-to-income3.4x
Est. income to buy$51,000