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Winchester city, TN

ZIP 37398 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 37398

Median Home Value
$225,200
Median Rent
$629
Affordability Snapshot
$62,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,447/mo PITI).

12%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

29.8 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 37398 in Winchester city, TN, a household would need roughly $62,000 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 $1,447. That is roughly in line with the local median household income ($63,542). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.8%+17% vs US avg
x
Vacancy Rate
15.9%+54% vs US avg
x
Broadband Access
81.0%-7% vs US avg
x
4+ Bedrooms
4.1%-72% vs US avg
x
Built Pre-1939
6.2%-52% vs US avg
x
Built Post-2014
3.0%-57% vs US avg
x
Rent Burden >30%
13.7%-72% vs US avg
x
Mortgage-Free
45.7%+20% vs US avg
x
$225,200
Home Value
$629
Rent
1986
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 detached84.1%
  • 1-unit attached1.1%
  • 2-9 units9.3%
  • 10+ units1.0%
  • Mobile home & other4.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$225,200
Median rent$629
Owner-occupied76.8%
Vacant15.9%
Price-to-income3.5x
Est. income to buy$62,000