US5.com
  1. Home
  2. States
  3. Tennessee
  4. ZIP 38220
  5. Housing & Real Estate
Atwood town, TN

ZIP 38220 — 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 38220

Median Home Value
$92,400
Median Rent
$495
Affordability Snapshot
$25,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$594/mo PITI).

14%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.6 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 38220 in Atwood town, TN, a household would need roughly $25,000 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 $594. That sits below the local median household income ($43,698), 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 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
86.5%+32% vs US avg
x
Vacancy Rate
18.9%+83% vs US avg
x
Broadband Access
82.0%-6% vs US avg
x
4+ Bedrooms
3.5%-77% vs US avg
x
Built Pre-1939
1.8%-86% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
14.8%-70% vs US avg
x
Mortgage-Free
41.8%+9% vs US avg
x
$92,400
Home Value
$495
Rent
1974
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached75.3%
  • 1-unit attached1.0%
  • 2-9 units9.2%
  • 10+ units0.0%
  • Mobile home & other14.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$92,400
Median rent$495
Owner-occupied86.5%
Vacant18.9%
Price-to-income2.1x
Est. income to buy$25,000