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Rutledge town, TN

ZIP 37861 — 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 37861

Median Home Value
$202,200
Median Rent
$521
Affordability Snapshot
$56,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,299/mo PITI).

12%
Rent-to-Income Ratio

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

3.8x
Home Price-to-Income Ratio

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

32.3 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 37861 in Rutledge town, TN, a household would need roughly $56,000 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 $1,299. That is roughly in line with the local median household income ($53,797). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.0%+25% vs US avg
x
Vacancy Rate
21.6%+110% vs US avg
x
Broadband Access
82.7%-5% vs US avg
x
4+ Bedrooms
1.8%-88% vs US avg
x
Built Pre-1939
2.5%-81% vs US avg
x
Built Post-2014
1.9%-72% vs US avg
x
Rent Burden >30%
24.3%-51% vs US avg
x
Mortgage-Free
54.2%+42% vs US avg
x
$202,200
Home Value
$521
Rent
1993
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached59.2%
  • 1-unit attached1.0%
  • 2-9 units2.5%
  • 10+ units2.3%
  • Mobile home & other35.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$202,200
Median rent$521
Owner-occupied82.0%
Vacant21.6%
Price-to-income3.8x
Est. income to buy$56,000