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Area data

Mount carmel, TN — ZIP 37645

Population: 5,472 (Census ACS)

The median home value in ZIP 37645 (Mount carmel, TN) is $271,504 — up 6.6% over the past year. Homes sell for a median $234,500 after a median 65.5 days on market. 1 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Low, with landslide, lightning, strongwind the top-rated hazards. Cost of living is 9.5% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$271,504

Median home value

+6.6%

1-year change

65.5

Median days on market

Relatively Low

Hazard risk (county)

Home values & appreciation

Median home value
$271,504
1-year appreciation
+6.6%
3-year appreciation
+19.5%
5-year appreciation
+53.2%
10-year appreciation
+134.3%
All-time peak (2026-07)
$271,504
House Price Index (state)
475.9 (+0.5% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$234,500
Median list price
$285,000
Median price per sqft
$170
1-year sale-price change
-9.1%
Median days on market
65.5 days
Homes sold (recent period)
20
For-sale inventory
31
Sale-to-list ratio
98.5%
Active listings
23
1-year forecast
+3.2%
New listings (monthly)
8

Source: recent area sales and market data (ZIP-level)

Rents

Studio fair-market rent
$758/mo
1BR fair-market rent
$948/mo
2BR fair-market rent
$1,160/mo
3BR fair-market rent
$1,508/mo
4BR fair-market rent
$1,740/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Below Average)
90.5 (100 = US avg)
Electricity rate (state-level)
13.2¢/kWh
Natural gas rate (state-level)
$11.80/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
1
Elementary schools
1
Middle schools
0
High schools
0
Schools include
Mt Carmel Elementary

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Low
Top hazards (county)
landslide, lightning, strongWind, winterWeather
Notable hazard ratings (county)
coldWave: Relatively Low · drought: Relatively Low · earthquake: Relatively Low · iceStorm: Relatively Low · inlandFlooding: Relatively Low · landslide: Relatively High
FEMA flood zone
X
Flood risk level
Minimal
Wildfire risk to homes (county)
Higher than 70% of US counties
Buildings in wildfire direct-exposure zone
85.7%
Radon potential (county)
High radon potential — EPA Zone 1 of 3
EPA Superfund (NPL) sites within 5 mi
None
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Annual precipitation
49.2 in
USDA plant hardiness zone
7b (extreme annual low 5 to 10°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Walkability & transit

Walkability index
3.5 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
14,052
Jobs reachable by transit (45 min)
12,507

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

National parks within ~60 mi
2
Nearest national park
Andrew Johnson National Historic Site (30 mi)
National parks include
Andrew Johnson National Historic Site, Cumberland Gap National Historical Park
Airports within 30 mi
20
Nearest airport
Darnell's Field (4 mi)
Nearest major airport
Tri-Cities Regional TN/VA Airport (TRI) (15 mi)
Hospitals nearby (~15 mi)
3
Hospitals include
HAWKINS COUNTY MEMORIAL HOSPITAL, JOHNSON CITY MEDICAL CENTER, FRANKLIN WOODS COMMUNITY HOSPITAL
Avg hospital rating (CMS)
4.0 / 5
Best hospital rating nearby (CMS)
4.0 / 5
Solar radiation rating
Fair (4.3 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
+577 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,978
Housing built before 1970
33.9%
Housing built 2000 or later
17.0%
Median annual property tax
$1,265
Mean commute to work
22 min
Households with broadband internet
80.8%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
9,935
Average weekly wage
$1,019
Top industries (by employment)
Health Care, Accommodation & Food, Administrative Services
Annual residential building permits (county)
18

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 37645State medianUS median
Median home value$271,504$269,649$289,727
Median sale price$234,500$315,000$325,000
Median days on market66 days73 days51 days
Median annual property tax$1,265$970$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 37645?
$271,504.
What is the median sale price in ZIP 37645?
$234,500.
How long do homes take to sell in ZIP 37645?
Median days on market: 65.5 days.
What is typical rent in ZIP 37645?
2-bedroom fair-market rent: $1,160/month (HUD FMR — a 40th-percentile regulatory reference, not market-observed).
What is the natural-hazard risk in ZIP 37645?
Overall risk: Relatively Low (FEMA NRI, county-level). Top hazards: landslide, lightning, strongWind, winterWeather.
Is ZIP 37645 in a flood zone?
Minimal (FEMA NFIP). FEMA flood zone X.
What is the wildfire risk in ZIP 37645?
Risk to homes is higher than 70% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 37645?
High radon potential — EPA Zone 1 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 37645?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve ZIP 37645?
1 schools (1 elementary) (NCES, 2022-23).
Is ZIP 37645 walkable?
Walkability index: 3.5/20 (EPA Smart Location Database).
What is the cost of living in ZIP 37645?
Regional Price Parity: 90.5 (100 = US average) (Below Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

Selling a home in Mount carmel, TN?

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents