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Troy town, TN

ZIP 38260 — 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 38260

Median Home Value
$117,100
Median Rent
$555
Affordability Snapshot
$32,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$752/mo PITI).

13%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.6 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 38260 in Troy town, TN, a household would need roughly $32,000 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 $752. That sits below the local median household income ($49,336), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
78.9%+21% vs US avg
x
Vacancy Rate
8.4%-19% vs US avg
x
Broadband Access
74.1%-15% vs US avg
x
4+ Bedrooms
1.4%-90% vs US avg
x
Built Pre-1939
6.3%-51% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
4.6%-91% vs US avg
x
Mortgage-Free
51.2%+34% vs US avg
x
$117,100
Home Value
$555
Rent
1982
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 detached75.8%
  • 1-unit attached1.2%
  • 2-9 units4.7%
  • 10+ units0.0%
  • Mobile home & other18.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$117,100
Median rent$555
Owner-occupied78.9%
Vacant8.4%
Price-to-income2.4x
Est. income to buy$32,000