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Lawrenceburg city, TN

ZIP 38464 — 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 38464

Median Home Value
$164,900
Median Rent
$544
Affordability Snapshot
$45,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,059/mo PITI).

14%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

25.3 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 38464 in Lawrenceburg city, TN, a household would need roughly $45,000 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 $1,059. That is roughly in line with the local median household income ($48,239). 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
71.2%+9% vs US avg
x
Vacancy Rate
10.0%-3% vs US avg
x
Broadband Access
83.7%-4% vs US avg
x
4+ Bedrooms
4.1%-72% vs US avg
x
Built Pre-1939
6.5%-49% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
17.5%-65% vs US avg
x
Mortgage-Free
52.8%+38% vs US avg
x
$164,900
Home Value
$544
Rent
1979
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached74.5%
  • 1-unit attached1.0%
  • 2-9 units12.1%
  • 10+ units3.3%
  • Mobile home & other9.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$164,900
Median rent$544
Owner-occupied71.2%
Vacant10.0%
Price-to-income3.4x
Est. income to buy$45,000