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ZIP 39404
Housing & Real Estate

ZIP 39404 — Housing & Real Estate

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

Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 39404

Median Home Value

$258,500

Median Rent

$685

Affordability Snapshot

$71,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,661/mo PITI).

14%

Rent-to-Income Ratio

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

4.3x

Home Price-to-Income Ratio

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

31.4 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 39404, a household would need roughly $71,000 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 $1,661. That is about 18% above the local median household income ($60,341), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel

Housing Metrics

Owner Occupied

59.3%-9% vs US avg

Vacancy Rate

3.7%-64% vs US avg

Broadband Access

91.2%+5% vs US avg

4+ Bedrooms

5.3%-64% vs US avg

Built Pre-1939

0.0%

Built Post-2014

1.4%-79% vs US avg

Rent Burden >30%

27.1%-45% vs US avg

Mortgage-Free

39.3%+3% vs US avg

$258,500

Home Value

$685

Rent

1971

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 detached77.5%
1-unit attached1.9%
2-9 units13.3%
10+ units7.3%
Mobile home & other0.0%

ZIP 39404 — Housing & Real Estate

Housing & Real Estate in ZIP Code 39404

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