Area data
Camden, TN — ZIP 38320
Population: 10,430 (Census ACS)
The median home value in ZIP 38320 (Camden, TN) is $197,209 — up 9.4% over the past year. 6 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Very Low, with coldwave, strongwind the top-rated hazards. Cost of living is 9.5% below the US average (BEA, metro/state-level).
$197,209
Median home value
+9.4%
1-year change
Very Low
Hazard risk (county)
Home values & appreciation
- Median home value
- $197,209
- 1-year appreciation
- +9.4%
- 3-year appreciation
- +16.3%
- 5-year appreciation
- +41.2%
- 10-year appreciation
- +120.8%
- All-time peak (2026-06)
- $197,429
- House Price Index (state)
- 475.9 (+0.5% YoY)
Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)
Market activity
- For-sale inventory
- 48
- New listings (monthly)
- 12
Source: recent area sales and market data (ZIP-level)
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
- 6
- Elementary schools
- 2
- Middle schools
- 1
- High schools
- 3
- Schools include
- Briarwood School, Camden Elementary, Camden Central High School, Benton County Academy, Camden Jr High School
Source: NCES school directory, 2022-23 (school-address-based)
Natural hazards & flood risk
- Overall hazard risk (county)
- Very Low
- Top hazards (county)
- coldWave, strongWind
- Notable hazard ratings (county)
- coldWave: Relatively Moderate · drought: Relatively Low · earthquake: Relatively Low · heatWave: Relatively Low · iceStorm: Relatively Low · landslide: Relatively Low
- Wildfire risk to homes (county)
- Higher than 36% of US counties
- Buildings in wildfire direct-exposure zone
- 92.9%
- Radon potential (county)
- Moderate radon potential — EPA Zone 2 of 3
- EPA Superfund (NPL) sites within 5 mi
- None
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)
- Average annual temperature
- 60.0°F
- Average high
- 71.0°F
- Average low
- 50.0°F
- Annual precipitation
- 53.9 in
- Annual snowfall
- 3.5 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)
Amenities
- National parks within ~60 mi
- 1
- Nearest national park
- Fort Donelson National Battlefield (30 mi)
- Airports within 30 mi
- 12
- Nearest airport
- Benton County Airport (5 mi)
- Hospitals nearby (~15 mi)
- 1
- Hospitals include
- WEST TENNESSEE HEALTHCARE CAMDEN HOSPITAL
- 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)
- +147 tax filers
Source: IRS county-to-county migration data (county-level, ~12-month lag)
Housing stock
- Median year housing built
- 1,977
- Housing built before 1970
- 37.7%
- Housing built 2000 or later
- 19.2%
- Median annual property tax
- $790
- Mean commute to work
- 24 min
- Households with broadband internet
- 54.0%
Source: Census ACS 5-year estimates (ZIP-level)
Employment & development
- Total county employment
- 3,380
- Average weekly wage
- $838
- Top industries (by employment)
- Accommodation & Food, Finance & Insurance, Construction
- Annual residential building permits (county)
- 6
Sources: BLS QCEW (county-level) · Census Building Permits (county-level)
How it compares
| ZIP 38320 | State median | US median | |
|---|---|---|---|
| Median home value | $197,209 | $269,649 | $289,727 |
| Median annual property tax | $790 | $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 38320?
- $197,209.
- What is the natural-hazard risk in ZIP 38320?
- Overall risk: Very Low (FEMA NRI, county-level). Top hazards: coldWave, strongWind.
- What is the wildfire risk in ZIP 38320?
- Risk to homes is higher than 36% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
- What is the radon potential in ZIP 38320?
- Moderate radon potential — EPA Zone 2 of 3, county-level. EPA recommends testing every home regardless of zone.
- Are there Superfund sites near ZIP 38320?
- No current or proposed National Priorities List sites within 5 miles (EPA).
- How many schools serve ZIP 38320?
- 6 schools (2 elementary, 1 middle, 3 high) (NCES, 2022-23).
- What is the cost of living in ZIP 38320?
- Regional Price Parity: 90.5 (100 = US average) (Below Average) (BEA RPP, metro/state-level).
Nearby ZIP codes
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Data last updated
Most recent source refresh: Sep 2026. See all data sources →