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Mercer CDP, TN

ZIP 38392 — 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 38392

Median Home Value
$43,400
Median Rent
N/A
Affordability Snapshot
$12,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$279/mo PITI).

0.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 38392 in Mercer CDP, TN, a household would need roughly $12,000 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 $279. That sits below the local median household income ($52,188), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
86.0%+31% vs US avg
x
Vacancy Rate
12.6%+22% vs US avg
x
Broadband Access
88.4%+2% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
78.1%+105% vs US avg
x
$43,400
Home Value
N/A
Rent
1978
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached68.2%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other31.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$43,400
Median rent$-666,666,666
Owner-occupied86.0%
Vacant12.6%
Price-to-income0.8x
Est. income to buy$12,000