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ZIP 37815
Housing & Real Estate

ZIP 37815 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 37815

Median Home Value

$147,500

Median Rent

$719

Affordability Snapshot

$41,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$948/mo PITI).

19%

Rent-to-Income Ratio

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

3.3x

Home Price-to-Income Ratio

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

17.1 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 37815, a household would need roughly $41,000 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 $948. That is roughly in line with the local median household income ($45,376). 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

62.3%-5% vs US avg

Vacancy Rate

9.7%-6% vs US avg

Broadband Access

85.3%-2% vs US avg

4+ Bedrooms

3.6%-76% vs US avg

Built Pre-1939

14.9%+17% vs US avg

Built Post-2014

0.0%

Rent Burden >30%

11.6%-77% vs US avg

Mortgage-Free

45.2%+18% vs US avg

$147,500

Home Value

$719

Rent

1969

Year Built

2015

Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

1-unit detached73.9%
1-unit attached0.8%
2-9 units16.9%
10+ units8.5%
Mobile home & other0.0%

ZIP 37815 — Housing & Real Estate

Housing & Real Estate in ZIP Code 37815

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