US5.com
  1. Home
  2. States
  3. Tennessee
  4. ZIP 38554
  5. Housing & Real Estate
, TN

ZIP 38554 — 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 38554

Median Home Value
$135,000
Median Rent
N/A
Affordability Snapshot
$37,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$867/mo PITI).

3.8x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 38554 in TN, a household would need roughly $37,000 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 $867. That is roughly in line with the local median household income ($35,250). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 28% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.8%+19% vs US avg
x
Vacancy Rate
27.5%+167% vs US avg
x
Broadband Access
68.2%-22% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
6.5%-49% vs US avg
x
Built Post-2014
4.9%-29% vs US avg
x
Rent Burden >30%
37.5%-25% vs US avg
x
Mortgage-Free
44.4%+16% vs US avg
x
$135,000
Home Value
N/A
Rent
1992
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached60.6%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other39.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$135,000
Median rent$-666,666,666
Owner-occupied77.8%
Vacant27.5%
Price-to-income3.8x
Est. income to buy$37,000