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Spring City town, TN

ZIP 37381 — 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 37381

Median Home Value
$208,600
Median Rent
$491
Affordability Snapshot
$57,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,340/mo PITI).

10%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

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

35.4 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 37381 in Spring City town, 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 $1,340. That is roughly in line with the local median household income ($57,553). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.9%+21% vs US avg
x
Vacancy Rate
19.6%+90% vs US avg
x
Broadband Access
83.3%-4% vs US avg
x
4+ Bedrooms
5.8%-61% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
1.5%-78% vs US avg
x
Rent Burden >30%
32.8%-34% vs US avg
x
Mortgage-Free
48.3%+27% vs US avg
x
$208,600
Home Value
$491
Rent
1989
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached71.8%
  • 1-unit attached0.7%
  • 2-9 units3.5%
  • 10+ units0.5%
  • Mobile home & other23.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$208,600
Median rent$491
Owner-occupied78.9%
Vacant19.6%
Price-to-income3.6x
Est. income to buy$57,000