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ZIP 39704 — 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 39704

Median Home Value
$124,700
Median Rent
$578
Affordability Snapshot
$34,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$801/mo PITI).

15%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.0 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 39704, a household would need roughly $34,000 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 $801. That sits below the local median household income ($46,667), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
63.9%-2% vs US avg
x
Vacancy Rate
10.7%+4% vs US avg
x
Broadband Access
80.4%-8% vs US avg
x
4+ Bedrooms
0.5%-97% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
22.4%-55% vs US avg
x
Mortgage-Free
32.6%-15% vs US avg
x
$124,700
Home Value
$578
Rent
1978
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 detached75.8%
  • 1-unit attached1.2%
  • 2-9 units11.5%
  • 10+ units8.5%
  • Mobile home & other3.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$124,700
Median rent$578
Owner-occupied63.9%
Vacant10.7%
Price-to-income2.7x
Est. income to buy$34,000