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Rutherford town, TN

ZIP 38369 — 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 38369

Median Home Value
$104,400
Median Rent
$438
Affordability Snapshot
$29,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$671/mo PITI).

10%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.9 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 38369 in Rutherford town, TN, a household would need roughly $29,000 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 $671. That sits below the local median household income ($50,690), 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
82.5%+26% vs US avg
x
Vacancy Rate
11.6%+13% vs US avg
x
Broadband Access
84.9%-2% vs US avg
x
4+ Bedrooms
3.5%-77% vs US avg
x
Built Pre-1939
9.7%-25% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
9.6%-81% vs US avg
x
Mortgage-Free
51.8%+36% vs US avg
x
$104,400
Home Value
$438
Rent
1970
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached88.4%
  • 1-unit attached0.2%
  • 2-9 units5.3%
  • 10+ units0.0%
  • Mobile home & other6.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$104,400
Median rent$438
Owner-occupied82.5%
Vacant11.6%
Price-to-income2.1x
Est. income to buy$29,000