US5.com
  1. Home
  2. States
  3. Tennessee
  4. ZIP 37324
  5. Housing & Real Estate
Decherd city, TN

ZIP 37324 — 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 37324

Median Home Value
$207,700
Median Rent
$625
Affordability Snapshot
$57,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,334/mo PITI).

17%
Rent-to-Income Ratio

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

4.7x
Home Price-to-Income Ratio

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

27.7 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 37324 in Decherd city, TN, a household would need roughly $57,000 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 $1,334. That is about 28% above the local median household income ($44,563), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
59.0%-10% vs US avg
x
Vacancy Rate
11.5%+12% vs US avg
x
Broadband Access
78.6%-10% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
5.3%-59% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
9.7%-81% vs US avg
x
Mortgage-Free
55.0%+44% vs US avg
x
$207,700
Home Value
$625
Rent
1984
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 detached65.4%
  • 1-unit attached2.3%
  • 2-9 units22.0%
  • 10+ units0.2%
  • Mobile home & other10.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$207,700
Median rent$625
Owner-occupied59.0%
Vacant11.5%
Price-to-income4.7x
Est. income to buy$57,000