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, TN

ZIP 38575 — 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 38575

Median Home Value
$152,700
Median Rent
N/A
Affordability Snapshot
$42,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$981/mo PITI).

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 38575 in TN, a household would need roughly $42,000 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 $981. That sits below the local median household income ($58,125), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
85.1%+30% vs US avg
x
Vacancy Rate
8.8%-15% vs US avg
x
Broadband Access
73.7%-15% vs US avg
x
4+ Bedrooms
5.1%-66% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
2.5%-63% vs US avg
x
Rent Burden >30%
11.9%-76% vs US avg
x
Mortgage-Free
67.0%+75% vs US avg
x
$152,700
Home Value
N/A
Rent
1980
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 detached65.4%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units7.4%
  • Mobile home & other27.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$152,700
Median rent$-666,666,666
Owner-occupied85.1%
Vacant8.8%
Price-to-income2.6x
Est. income to buy$42,000