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Beech Bluff CDP, TN

ZIP 38313 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 38313

Median Home Value
$200,400
Median Rent
N/A
Affordability Snapshot
$55,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,287/mo PITI).

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 38313 in Beech Bluff CDP, TN, a household would need roughly $55,000 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 $1,287. That sits below the local median household income ($87,932), 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
89.7%+37% vs US avg
x
Vacancy Rate
9.5%-8% vs US avg
x
Broadband Access
86.3%-1% vs US avg
x
4+ Bedrooms
5.3%-64% vs US avg
x
Built Pre-1939
2.3%-82% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
56.8%+49% vs US avg
x
$200,400
Home Value
N/A
Rent
1996
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 detached80.0%
  • 1-unit attached0.6%
  • 2-9 units5.3%
  • 10+ units0.0%
  • Mobile home & other14.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$200,400
Median rent$-666,666,666
Owner-occupied89.7%
Vacant9.5%
Price-to-income2.3x
Est. income to buy$55,000