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, TN

ZIP 38580 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 38580

Median Home Value
$204,400
Median Rent
$733
Affordability Snapshot
$56,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,313/mo PITI).

15%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

23.2 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 38580 in TN, a household would need roughly $56,000 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 $1,313. That is roughly in line with the local median household income ($59,207). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.6%+23% vs US avg
x
Vacancy Rate
15.6%+51% vs US avg
x
Broadband Access
90.2%+4% vs US avg
x
4+ Bedrooms
8.0%-46% vs US avg
x
Built Pre-1939
1.3%-90% vs US avg
x
Built Post-2014
5.0%-27% vs US avg
x
Rent Burden >30%
38.2%-23% vs US avg
x
Mortgage-Free
33.2%-13% vs US avg
x
$204,400
Home Value
$733
Rent
1982
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 detached76.7%
  • 1-unit attached0.0%
  • 2-9 units7.8%
  • 10+ units0.0%
  • Mobile home & other15.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$204,400
Median rent$733
Owner-occupied80.6%
Vacant15.6%
Price-to-income3.5x
Est. income to buy$56,000