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Moscow city, TN

ZIP 38057 — 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 38057

Median Home Value
$298,000
Median Rent
$649
Affordability Snapshot
$82,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,914/mo PITI).

9%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

38.3 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 38057 in Moscow city, TN, a household would need roughly $82,000 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 $1,914. That is roughly in line with the local median household income ($87,023). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.7%+17% vs US avg
x
Vacancy Rate
17.2%+67% vs US avg
x
Broadband Access
87.5%+1% vs US avg
x
4+ Bedrooms
4.2%-71% vs US avg
x
Built Pre-1939
7.0%-45% vs US avg
x
Built Post-2014
2.2%-68% vs US avg
x
Rent Burden >30%
21.2%-57% vs US avg
x
Mortgage-Free
50.6%+33% vs US avg
x
$298,000
Home Value
$649
Rent
1991
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 detached70.0%
  • 1-unit attached3.4%
  • 2-9 units5.0%
  • 10+ units1.4%
  • Mobile home & other20.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$298,000
Median rent$649
Owner-occupied76.7%
Vacant17.2%
Price-to-income3.4x
Est. income to buy$82,000