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Holladay CDP, TN

ZIP 38341 — 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 38341

Median Home Value
$124,300
Median Rent
$434
Affordability Snapshot
$34,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$798/mo PITI).

12%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.9 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 38341 in Holladay CDP, 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 $798. That sits below the local median household income ($44,223), 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 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
89.8%+37% vs US avg
x
Vacancy Rate
21.8%+112% vs US avg
x
Broadband Access
71.3%-18% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
8.0%-84% vs US avg
x
Mortgage-Free
62.5%+64% vs US avg
x
$124,300
Home Value
$434
Rent
1992
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached56.3%
  • 1-unit attached0.6%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other43.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$124,300
Median rent$434
Owner-occupied89.8%
Vacant21.8%
Price-to-income2.8x
Est. income to buy$34,000