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Harrogate city, TN

ZIP 37752 — 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 37752

Median Home Value
$163,800
Median Rent
$618
Affordability Snapshot
$45,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,052/mo PITI).

14%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.1 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 37752 in Harrogate city, TN, a household would need roughly $45,000 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 $1,052. That sits below the local median household income ($54,618), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
67.3%+3% vs US avg
x
Vacancy Rate
12.8%+24% vs US avg
x
Broadband Access
70.8%-19% vs US avg
x
4+ Bedrooms
2.0%-86% vs US avg
x
Built Pre-1939
0.9%-93% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
14.8%-70% vs US avg
x
Mortgage-Free
60.6%+59% vs US avg
x
$163,800
Home Value
$618
Rent
1981
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached73.7%
  • 1-unit attached4.1%
  • 2-9 units4.2%
  • 10+ units0.0%
  • Mobile home & other18.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$163,800
Median rent$618
Owner-occupied67.3%
Vacant12.8%
Price-to-income3.0x
Est. income to buy$45,000