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ZIP 38190
Housing & Real Estate

ZIP 38190 — 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 38190

Median Home Value

$84,900

Median Rent

$760

Affordability Snapshot

$23,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$545/mo PITI).

19%

Rent-to-Income Ratio

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

1.7x

Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

9.3 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 38190, a household would need roughly $23,000 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 $545. That sits below the local median household income ($49,129), 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

Diverse housing tenure.

Heating Fuel

Housing Metrics

Owner Occupied

54.6%-17% vs US avg

Vacancy Rate

8.3%-19% vs US avg

Broadband Access

83.3%-4% vs US avg

4+ Bedrooms

1.8%-88% vs US avg

Built Pre-1939

0.0%

Built Post-2014

0.0%

Rent Burden >30%

19.3%-61% vs US avg

Mortgage-Free

59.9%+57% vs US avg

$84,900

Home Value

$760

Rent

1968

Year Built

2008

Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

1-unit detached73.2%
1-unit attached5.1%
2-9 units19.1%
10+ units0.5%
Mobile home & other2.1%

ZIP 38190 — Housing & Real Estate

Housing & Real Estate in ZIP Code 38190

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