Real Estate Investing in Bell Buckle, Tennessee (37020)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 37020 (Bell Buckle, TN)? Our answer, based on the numbers below.
Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High price-to-rent: Price-to-rent ratio 29.0 — hard to cash-flow at these prices.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Bell Buckle, TN (37020)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 37020 Bell Buckle
This part of Bedford County is not an easy win. The 37020 ZIP reflects softness in key indicators, and the playbook that works in cleaner markets often stalls here.
The investment case in 37020 is healthy only for operators who understand what they are buying. A $426K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
In the broader TN picture, 37020 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.
The 37020 ZIP's population of 5,171 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that reflects the need for careful underwriting.
Distressed ZIPs reward experience. substantial returns are possible in 37020, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in Bell Buckle:
Property Strategy for 37020
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 3BR | $383,849 | $1,810 | 3.4% | +9.4% | $127,950 |
| 4BR | $504,922 | $2,130 | 3.0% | +9.9% | $126,230 |
Market Trends
Home Value History (with trend line)
📊 How Does 37020 Compare?
| Metric | 37020 | Bell Buckle | Shelbyville, TN | Tennessee |
|---|---|---|---|---|
| Home Value | $426,151 | $426,151 | N/A | $327,001 |
| 5-Year CAGR | 6.2% | 6.2% | N/A | 7.7% |
| Avg Rent | $1,224 | $1,224 | N/A | - |
| Cap Rate | 2.2% | 2.2% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 37020 (Bell Buckle, TN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $426,151 |
| Monthly Rent | $1,224 |
| Price-to-Rent | 29.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.5% |
| Cap Rate | 2.2% |
| 5-Year IRR | 8.4% |
📈 Home Appreciation
| 1-Year | +2.9% ▲ |
| 3-Year CAGR | +3.6% ▲ |
| 5-Year CAGR | +6.2% ▲ |
| 10-Year CAGR | +9.1% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.2%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 37020
Population: 5,171
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Nearby Colleges & Universities
Frequently Asked Questions
Are there empty rentals in Bell Buckle, TN?
Vacancy risk in Bell Buckle, TN is elevated. That supports consistent cash flow for typical rental holds.
What is the average home sale price in Bell Buckle, TN?
Bell Buckle, TN median home values land near $426K. That is reasonable territory for investors looking at $1,224/mo-per-month rentals.
Does Bell Buckle, TN make sense for an investment property?
Bell Buckle, TN comes in at an investability rating of 3.0/5, with median home values near $426K and average rents around $1,224/mo. That combination puts it in the sturdy tier for investor interest.
Are tenants stable in Bell Buckle, TN?
Expect a solid tenant pool in Bell Buckle, TN. The rental market absorbs $1,224/mo rents without meaningful friction.
How much rent can I charge in Bell Buckle, TN?
Average rent in Bell Buckle, TN is approximately $1,224/mo per month. Against $426K home values that yields a reasonable rent-to-price ratio.
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