US5.com
  1. Home
  2. States
  3. Tennessee
  4. ZIP 37642
  5. Housing & Real Estate
Church Hill city, TN

ZIP 37642 — 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 37642

Median Home Value
$178,000
Median Rent
$695
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,143/mo PITI).

13%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.3 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 37642 in Church Hill city, TN, a household would need roughly $49,000 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 $1,143. That sits below the local median household income ($63,963), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.1%+27% vs US avg
x
Vacancy Rate
14.8%+44% vs US avg
x
Broadband Access
86.4%-1% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
1.6%-87% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
8.6%-83% vs US avg
x
Mortgage-Free
46.1%+21% vs US avg
x
$178,000
Home Value
$695
Rent
1987
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 detached69.4%
  • 1-unit attached1.6%
  • 2-9 units7.2%
  • 10+ units2.2%
  • Mobile home & other19.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$178,000
Median rent$695
Owner-occupied83.1%
Vacant14.8%
Price-to-income2.8x
Est. income to buy$49,000