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ZIP 38173
Housing & Real Estate

ZIP 38173 — Housing & Real Estate

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

Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 38173

Median Home Value

$275,000

Median Rent

$1,336

Affordability Snapshot

$76,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,767/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.

17.2 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 38173, a household would need roughly $76,000 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 $1,767. That is roughly in line with the local median household income ($83,854). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 16% — check local market conditions.

Heating Fuel

Housing Metrics

Owner Occupied

24.0%-63% vs US avg

Vacancy Rate

15.8%+53% vs US avg

Broadband Access

83.4%-4% vs US avg

4+ Bedrooms

0.4%-97% vs US avg

Built Pre-1939

3.8%-70% vs US avg

Built Post-2014

0.0%

Rent Burden >30%

18.6%-63% vs US avg

Mortgage-Free

31.3%-18% vs US avg

$275,000

Home Value

$1,336

Rent

1980

Year Built

2019

Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

1-unit detached3.2%
1-unit attached2.9%
2-9 units7.1%
10+ units86.8%
Mobile home & other0.0%

ZIP 38173 — Housing & Real Estate

Housing & Real Estate in ZIP Code 38173

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