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ZIP 38174 — 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 38174

Median Home Value
$289,200
Median Rent
$759
Affordability Snapshot
$80,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,858/mo PITI).

18%
Rent-to-Income Ratio

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

5.7x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

31.8 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 38174, a household would need roughly $80,000 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 $1,858. That is about 58% above the local median household income ($50,559), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics

Historic housing stock (29% built before 1939)

Owner Occupied
30.7%-53% vs US avg
x
Vacancy Rate
6.9%-33% vs US avg
x
Broadband Access
81.7%-6% vs US avg
x
4+ Bedrooms
4.2%-72% vs US avg
x
Built Pre-1939
29.2%+128% vs US avg
x
Built Post-2014
1.2%-82% vs US avg
x
Rent Burden >30%
11.0%-78% vs US avg
x
Mortgage-Free
33.3%-13% vs US avg
x
$289,200
Home Value
$759
Rent
1943
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 detached29.0%
  • 1-unit attached5.1%
  • 2-9 units39.4%
  • 10+ units26.5%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$289,200
Median rent$759
Owner-occupied30.7%
Vacant6.9%
Price-to-income5.7x
Est. income to buy$80,000