Area data
Zcta 38558, TN — ZIP 38558
Population: 9,472 (Census ACS)
The median home value in ZIP 38558 (Zcta 38558, TN) is $369,906 — down 3.8% over the past year. Homes sell for a median $375,000 after a median 120 days on market. Typical rent runs $1,908/month. FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Low, with lightning, winterweather, coldwave the top-rated hazards. Cost of living is 9.5% below the US average (BEA, metro/state-level).
$369,906
Median home value
-3.8%
1-year change
120
Median days on market
Relatively Low
Hazard risk (county)
Home values & appreciation
- Median home value
- $369,906
- 1-year appreciation
- -3.8%
- 3-year appreciation
- +0.4%
- 5-year appreciation
- +28.0%
- 10-year appreciation
- +105.2%
- All-time peak (2024-07)
- $388,183
- 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
- $375,000
- Median list price
- $445,000
- Median price per sqft
- $194
- 1-year sale-price change
- -5.1%
- Median days on market
- 120 days
- Homes sold (recent period)
- 109
- For-sale inventory
- 318
- Sale-to-list ratio
- 96.3%
- Active listings
- 261
- 1-year forecast
- +1.8%
- Days to pending
- 113 days
- New listings (monthly)
- 57
Source: recent area sales and market data (ZIP-level)
Rents
- Typical rent
- $1,908/mo
- 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)
Natural hazards & flood risk
- Overall hazard risk (county)
- Relatively Low
- Top hazards (county)
- lightning, winterWeather, coldWave, iceStorm, strongWind
- Notable hazard ratings (county)
- coldWave: Relatively Moderate · drought: Relatively Low · earthquake: Relatively Low · hail: Relatively Low · iceStorm: Relatively Moderate · inlandFlooding: Relatively Low
- FEMA flood zone
- X
- Flood risk level
- Minimal
- Wildfire risk to homes (county)
- Higher than 73% of US counties
- Buildings in wildfire direct-exposure zone
- 87.0%
- Radon potential (county)
- Low radon potential — EPA Zone 3 of 3
- EPA Superfund (NPL) sites within 5 mi
- None
- Nearest Superfund site
- Clinch River Corporation (19.1 mi)
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
- 59.0°F
- Average high
- 68.0°F
- Average low
- 50.0°F
- Annual precipitation
- 41.3 in
- Annual snowfall
- 2.2 in
- USDA plant hardiness zone
- 7a (extreme annual low 0 to 5°F)
Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)
Walkability & transit
- Walkability index
- 6.7 / 20
- Transit service frequency
- -99,999
- Jobs reachable by car (30 min)
- 4,166
- Jobs reachable by transit (45 min)
- 3,678
Source: EPA Smart Location Database (metropolitan block groups)
Amenities
- National parks within ~60 mi
- 2
- Nearest national park
- Obed Wild & Scenic River (16 mi)
- National parks include
- Obed Wild & Scenic River, Big South Fork National River & Recreation Area
- Airports within 30 mi
- 9
- Nearest airport
- Buck Creek Ranch Airport (11 mi)
- Nearest major airport
- Crossville Memorial Airport Whitson Field (CSV) (13 mi)
- Hospitals nearby (~15 mi)
- 2
- Hospitals include
- CUMBERLAND MEDICAL CENTER, ROANE MEDICAL CENTER
- Avg hospital rating (CMS)
- 4.0 / 5
- Best hospital rating nearby (CMS)
- 4.0 / 5
- Solar radiation rating
- Fair (4.2 kWh/m²/day)
Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)
Migration
- Net migration (county)
- +922 tax filers
Source: IRS county-to-county migration data (county-level, ~12-month lag)
Housing stock
- Median year housing built
- 1,997
- Housing built before 1970
- 2.6%
- Housing built 2000 or later
- 44.2%
- Median annual property tax
- $1,019
- Households with broadband internet
- 81.1%
Source: Census ACS 5-year estimates (ZIP-level)
Employment & development
- Total county employment
- 16,696
- Average weekly wage
- $850
- Top industries (by employment)
- Health Care, Accommodation & Food, Administrative Services
- Annual residential building permits (county)
- 114
Sources: BLS QCEW (county-level) · Census Building Permits (county-level)
How it compares
| ZIP 38558 | State median | US median | |
|---|---|---|---|
| Median home value | $369,906 | $269,649 | $289,727 |
| Median sale price | $375,000 | $315,000 | $325,000 |
| Median days on market | 120 days | 73 days | 51 days |
| Typical rent | $1,908/mo | $1,597/mo | $1,808/mo |
| Median annual property tax | $1,019 | $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 38558?
- $369,906.
- What is the median sale price in ZIP 38558?
- $375,000.
- How long do homes take to sell in ZIP 38558?
- Median days on market: 120 days.
- What is typical rent in ZIP 38558?
- Typical rent: $1,908/month.
- What is the natural-hazard risk in ZIP 38558?
- Overall risk: Relatively Low (FEMA NRI, county-level). Top hazards: lightning, winterWeather, coldWave, iceStorm, strongWind.
- Is ZIP 38558 in a flood zone?
- Minimal (FEMA NFIP). FEMA flood zone X.
- What is the wildfire risk in ZIP 38558?
- Risk to homes is higher than 73% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
- What is the radon potential in ZIP 38558?
- Low radon potential — EPA Zone 3 of 3, county-level. EPA recommends testing every home regardless of zone.
- Are there Superfund sites near ZIP 38558?
- No current or proposed National Priorities List sites within 5 miles (EPA).
- Is ZIP 38558 walkable?
- Walkability index: 6.7/20 (EPA Smart Location Database).
- What is the cost of living in ZIP 38558?
- 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 →