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Ducktown city, TN

ZIP 37391 — 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 37391

Median Home Value
$185,300
Median Rent
$393
Affordability Snapshot
$51,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,190/mo PITI).

12%
Rent-to-Income Ratio

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

4.5x
Home Price-to-Income Ratio

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

39.3 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 37391 in Ducktown city, 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 $1,190. That is about 25% above the local median household income ($40,734), 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 27% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.8%+25% vs US avg
x
Vacancy Rate
26.9%+162% vs US avg
x
Broadband Access
84.9%-2% vs US avg
x
4+ Bedrooms
5.4%-63% vs US avg
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
70.9%+86% vs US avg
x
$185,300
Home Value
$393
Rent
1996
Year Built
2003
Moved In

Residents have lived here since ~2003 on average

Housing Structure

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

  • 1-unit detached82.2%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other17.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$185,300
Median rent$393
Owner-occupied81.8%
Vacant26.9%
Price-to-income4.5x
Est. income to buy$51,000