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Parker's Crossroads city, TN

ZIP 38321 — 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 38321

Median Home Value
$125,000
Median Rent
$422
Affordability Snapshot
$34,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$803/mo PITI).

8%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.7 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 38321 in Parker's Crossroads city, TN, a household would need roughly $34,000 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 $803. That sits below the local median household income ($62,269), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.5%+28% vs US avg
x
Vacancy Rate
11.7%+14% vs US avg
x
Broadband Access
75.2%-14% vs US avg
x
4+ Bedrooms
0.8%-94% vs US avg
x
Built Pre-1939
6.5%-50% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
6.4%-87% vs US avg
x
Mortgage-Free
57.8%+51% vs US avg
x
$125,000
Home Value
$422
Rent
1992
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 detached67.1%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other32.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$125,000
Median rent$422
Owner-occupied83.5%
Vacant11.7%
Price-to-income2.0x
Est. income to buy$34,000