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Bethel Springs town, TN

ZIP 38315 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 38315

Median Home Value
$129,400
Median Rent
$506
Affordability Snapshot
$36,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$831/mo PITI).

13%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.3 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 38315 in Bethel Springs town, TN, a household would need roughly $36,000 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 $831. That sits below the local median household income ($47,458), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.8%+30% vs US avg
x
Vacancy Rate
15.3%+48% vs US avg
x
Broadband Access
82.8%-5% vs US avg
x
4+ Bedrooms
0.7%-95% vs US avg
x
Built Pre-1939
3.4%-74% vs US avg
x
Built Post-2014
2.1%-69% vs US avg
x
Rent Burden >30%
1.8%-96% vs US avg
x
Mortgage-Free
63.9%+67% vs US avg
x
$129,400
Home Value
$506
Rent
1988
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 detached82.4%
  • 1-unit attached0.2%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other17.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$129,400
Median rent$506
Owner-occupied84.8%
Vacant15.3%
Price-to-income2.7x
Est. income to buy$36,000