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Hilham CDP, TN

ZIP 38568 — 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 38568

Median Home Value
$188,500
Median Rent
$375
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,211/mo PITI).

8%
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.

41.9 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 38568 in Hilham CDP, TN, a household would need roughly $52,000 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 $1,211. That is roughly in line with the local median household income ($56,250). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.4%+29% vs US avg
x
Vacancy Rate
20.5%+99% vs US avg
x
Broadband Access
86.6%-0% vs US avg
x
4+ Bedrooms
2.1%-86% vs US avg
x
Built Pre-1939
3.5%-72% vs US avg
x
Built Post-2014
1.4%-80% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
57.7%+51% vs US avg
x
$188,500
Home Value
$375
Rent
1982
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached71.7%
  • 1-unit attached1.0%
  • 2-9 units0.0%
  • 10+ units1.8%
  • Mobile home & other25.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$188,500
Median rent$375
Owner-occupied84.4%
Vacant20.5%
Price-to-income3.4x
Est. income to buy$52,000