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Collinwood city, TN

ZIP 38450 — 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 38450

Median Home Value
$80,300
Median Rent
$339
Affordability Snapshot
$22,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$516/mo PITI).

10%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.7 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 38450 in Collinwood city, TN, a household would need roughly $22,000 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 $516. That sits below the local median household income ($42,773), 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 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.7%+19% vs US avg
x
Vacancy Rate
19.1%+85% vs US avg
x
Broadband Access
76.7%-12% vs US avg
x
4+ Bedrooms
3.4%-77% vs US avg
x
Built Pre-1939
1.2%-91% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
24.8%-50% vs US avg
x
Mortgage-Free
68.2%+78% vs US avg
x
$80,300
Home Value
$339
Rent
1979
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached63.2%
  • 1-unit attached0.0%
  • 2-9 units3.9%
  • 10+ units0.0%
  • Mobile home & other32.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$80,300
Median rent$339
Owner-occupied77.7%
Vacant19.1%
Price-to-income1.9x
Est. income to buy$22,000