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Scotts Hill town, TN

ZIP 38368 — 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 38368

Median Home Value
$186,900
Median Rent
$468
Affordability Snapshot
$51,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,201/mo PITI).

11%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

33.3 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 38368 in Scotts Hill town, TN, a household would need roughly $51,000 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 $1,201. That is roughly in line with the local median household income ($52,902). 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
81.1%+24% vs US avg
x
Vacancy Rate
5.1%-50% vs US avg
x
Broadband Access
71.0%-18% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
1.5%-89% vs US avg
x
Built Post-2014
2.9%-59% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
53.4%+40% vs US avg
x
$186,900
Home Value
$468
Rent
1995
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached66.8%
  • 1-unit attached0.0%
  • 2-9 units5.5%
  • 10+ units3.0%
  • Mobile home & other24.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$186,900
Median rent$468
Owner-occupied81.1%
Vacant5.1%
Price-to-income3.5x
Est. income to buy$51,000