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Loudon city, TN

ZIP 37774 — 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 37774

Median Home Value
$329,600
Median Rent
$745
Affordability Snapshot
$91,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,117/mo PITI).

11%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

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

36.9 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 37774 in Loudon city, TN, a household would need roughly $91,000 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 $2,117. That is roughly in line with the local median household income ($83,724). 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
86.2%+32% vs US avg
x
Vacancy Rate
7.5%-27% vs US avg
x
Broadband Access
86.9%-0% vs US avg
x
4+ Bedrooms
4.9%-67% vs US avg
x
Built Pre-1939
4.4%-66% vs US avg
x
Built Post-2014
2.6%-62% vs US avg
x
Rent Burden >30%
18.0%-64% vs US avg
x
Mortgage-Free
48.3%+26% vs US avg
x
$329,600
Home Value
$745
Rent
1994
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached83.1%
  • 1-unit attached3.2%
  • 2-9 units3.2%
  • 10+ units2.6%
  • Mobile home & other7.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$329,600
Median rent$745
Owner-occupied86.2%
Vacant7.5%
Price-to-income3.9x
Est. income to buy$91,000