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ZIP 38877
Housing & Real Estate

ZIP 38877 — Housing & Real Estate

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

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 38877

Median Home Value

$129,600

Median Rent

$463

Affordability Snapshot

$36,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$833/mo PITI).

15%

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.

23.3 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 38877, a household would need roughly $36,000 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 $833. That is roughly in line with the local median household income ($37,857). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 14% — check local market conditions.

Heating Fuel

Housing Metrics

Owner Occupied

60.5%-8% vs US avg

Vacancy Rate

13.9%+35% vs US avg

Broadband Access

81.8%-6% vs US avg

4+ Bedrooms

2.2%-85% vs US avg

Built Pre-1939

4.4%-66% vs US avg

Built Post-2014

1.2%-82% vs US avg

Rent Burden >30%

27.7%-44% vs US avg

Mortgage-Free

65.0%+70% vs US avg

$129,600

Home Value

$463

Rent

1976

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 detached76.5%
1-unit attached0.5%
2-9 units15.6%
10+ units0.6%
Mobile home & other6.8%

ZIP 38877 — Housing & Real Estate

Housing & Real Estate in ZIP Code 38877

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