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Gatlinburg city, TN

ZIP 37738 — 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 37738

Median Home Value
$275,000
Median Rent
$857
Affordability Snapshot
$76,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,767/mo PITI).

16%
Rent-to-Income Ratio

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

4.4x
Home Price-to-Income Ratio

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

26.7 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 37738 in Gatlinburg city, TN, a household would need roughly $76,000 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 $1,767. That is about 20% above the local median household income ($63,133), 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 73% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
68.8%+5% vs US avg
x
Vacancy Rate
72.7%+606% vs US avg
x
Broadband Access
86.5%-1% vs US avg
x
4+ Bedrooms
5.1%-66% vs US avg
x
Built Pre-1939
1.0%-93% vs US avg
x
Built Post-2014
2.1%-70% vs US avg
x
Rent Burden >30%
11.5%-77% vs US avg
x
Mortgage-Free
48.0%+26% vs US avg
x
$275,000
Home Value
$857
Rent
1991
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 detached65.5%
  • 1-unit attached1.0%
  • 2-9 units10.0%
  • 10+ units21.4%
  • Mobile home & other2.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$275,000
Median rent$857
Owner-occupied68.8%
Vacant72.7%
Price-to-income4.4x
Est. income to buy$76,000