US5.com
  1. Home
  2. States
  3. Tennessee
  4. ZIP 38461
  5. Housing & Real Estate
, TN

ZIP 38461 — 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 38461

Median Home Value
$344,300
Median Rent
N/A
Affordability Snapshot
$95,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,212/mo PITI).

5.9x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

To comfortably buy a median-priced home in ZIP 38461 in TN, a household would need roughly $95,000 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 $2,212. That is about 62% above the local median household income ($58,564), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
91.7%+40% vs US avg
x
Vacancy Rate
10.6%+3% vs US avg
x
Broadband Access
79.0%-9% vs US avg
x
4+ Bedrooms
8.4%-43% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
9.8%-80% vs US avg
x
Mortgage-Free
60.0%+57% vs US avg
x
$344,300
Home Value
N/A
Rent
1994
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached62.5%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units2.6%
  • Mobile home & other35.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$344,300
Median rent$-666,666,666
Owner-occupied91.7%
Vacant10.6%
Price-to-income5.9x
Est. income to buy$95,000