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, TN

ZIP 38577 — 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 38577

Median Home Value
$109,400
Median Rent
N/A
Affordability Snapshot
$30,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$703/mo PITI).

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 38577 in TN, a household would need roughly $30,000 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 $703. That sits below the local median household income ($42,708), 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

Vacancy rate 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
97.9%+50% vs US avg
x
Vacancy Rate
20.6%+100% vs US avg
x
Broadband Access
75.8%-13% vs US avg
x
4+ Bedrooms
2.9%-81% vs US avg
x
Built Pre-1939
7.1%-45% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
55.1%+44% vs US avg
x
$109,400
Home Value
N/A
Rent
1980
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached58.7%
  • 1-unit attached0.0%
  • 2-9 units0.5%
  • 10+ units0.0%
  • Mobile home & other40.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$109,400
Median rent$-666,666,666
Owner-occupied97.9%
Vacant20.6%
Price-to-income2.6x
Est. income to buy$30,000