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Madisonville city, TN

ZIP 37354 — 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 37354

Median Home Value
$209,100
Median Rent
$595
Affordability Snapshot
$58,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,343/mo PITI).

13%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

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

29.3 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 37354 in Madisonville city, TN, a household would need roughly $58,000 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 $1,343. That is roughly in line with the local median household income ($53,547). 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
73.1%+12% vs US avg
x
Vacancy Rate
6.3%-39% vs US avg
x
Broadband Access
82.7%-5% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
2.1%-84% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
19.2%-61% vs US avg
x
Mortgage-Free
54.2%+42% vs US avg
x
$209,100
Home Value
$595
Rent
1989
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached67.0%
  • 1-unit attached1.0%
  • 2-9 units7.1%
  • 10+ units1.4%
  • Mobile home & other23.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$209,100
Median rent$595
Owner-occupied73.1%
Vacant6.3%
Price-to-income3.9x
Est. income to buy$58,000