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, TN

ZIP 37681 — 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 37681

Median Home Value
$169,800
Median Rent
$607
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,091/mo PITI).

12%
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.

23.3 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 37681 in TN, a household would need roughly $47,000 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 $1,091. That sits below the local median household income ($60,685), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
84.8%+30% vs US avg
x
Vacancy Rate
7.5%-28% vs US avg
x
Broadband Access
83.3%-4% vs US avg
x
4+ Bedrooms
1.4%-90% vs US avg
x
Built Pre-1939
2.7%-79% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
30.4%-39% vs US avg
x
Mortgage-Free
64.9%+70% vs US avg
x
$169,800
Home Value
$607
Rent
1990
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached65.7%
  • 1-unit attached0.0%
  • 2-9 units2.9%
  • 10+ units0.6%
  • Mobile home & other30.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$169,800
Median rent$607
Owner-occupied84.8%
Vacant7.5%
Price-to-income2.8x
Est. income to buy$47,000