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, TN

ZIP 37870 — 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 37870

Median Home Value
$144,500
Median Rent
$513
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$928/mo PITI).

13%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.5 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 37870 in TN, a household would need roughly $40,000 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 $928. That sits below the local median household income ($49,138), 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 31% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.9%+30% vs US avg
x
Vacancy Rate
30.5%+196% vs US avg
x
Broadband Access
68.1%-22% vs US avg
x
4+ Bedrooms
2.2%-85% vs US avg
x
Built Pre-1939
4.5%-65% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
17.2%-65% vs US avg
x
Mortgage-Free
69.7%+83% vs US avg
x
$144,500
Home Value
$513
Rent
1986
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached64.3%
  • 1-unit attached1.9%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other33.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$144,500
Median rent$513
Owner-occupied84.9%
Vacant30.5%
Price-to-income2.9x
Est. income to buy$40,000