Real Estate Investing in Cedar Hill, Tennessee (37032)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Robertson County • Population: 5,499 • Data updated: September 2026

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Should you buy in 37032 (Cedar Hill, TN)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (54/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • Elevated vacancy: 8.5% vacancy may signal weakening demand.
  • High price-to-rent: Price-to-rent ratio 30.3 — 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 Cedar Hill, TN (37032)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $431,952
Avg Monthly Rent $1,188
1% Rule ✗ Does Not Meet
Median Income $84,912
% Renters 17.0%

Market Analysis: 37032 Cedar Hill

ZIP 37032 inside Robertson County looks affordable on the surface — median value of $432K — but the discount exists for reasons that a careful buyer should understand before committing.

For an experienced owner, 37032 can be a a credible choice for hunting ground — but the discount at $432K reflects genuine risk that outside investors often underestimate.

In the broader TN picture, 37032 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

A significant renter share of 17% in 37032 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

seems to the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Cedar Hill:

C+ Average
Buy Confidence Score: 66/100
Affordability
10/25
Appreciation
22/25
Stability
9/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.1× the median income
Value Trend
Rising (+6.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,188/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
❄️
COOL MARKET
Nashville-Davidson--Murfreesboro--Franklin, TN Metro Area
More inventory, negotiating room for buyers
62 days
Average time to sell
Slow
11.4%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Nashville-Davidson--Murfreesboro--Franklin, TN metro data

Market Trends

Home Value History (with trend line)

$457K$391K$325K$259K$193K$128KJul 2006Jul 2016Jul 2026

📊 How Does 37032 Compare?

Metric 37032 Cedar Hill Nashville-Davidson--Murfreesboro--Franklin, TN Tennessee
Home Value $431,952 $431,952 N/A $327,001
5-Year CAGR 6.2% 6.2% N/A 7.7%
Avg Rent $1,188 $1,188 N/A -
Cap Rate 2.2% 2.2% - -
💡 Why Invest in 37032? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 37032 (Cedar Hill, TN). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.2%
Low
5yr Growth
+6.2%
Strong

📊 Market Snapshot

Home Value $431,952
Monthly Rent $1,188
Price-to-Rent 30.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.3%
Cap Rate 2.2%
5-Year IRR 8.3%

📈 Home Appreciation

1-Year +6.7% ▲
3-Year CAGR +4.2% ▲
5-Year CAGR +6.2% ▲
10-Year CAGR +8.0% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

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.

Vacancy
8.5%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+6.2%
Growing
Eviction process: Moderate Rent control: Favorable

Demographics in 37032

Population: 5,499

💰 Median Household Income
$84,912
This area
$84,912
State
$60,881
USA
$74,580
🏠 Renter Occupied
17.0%
This area
17.0%
State
25.6%
USA
34.0%
💼 Unemployment Rate
4.9%
This area
4.9%
State
-22.2%
USA
3.7%
🎓 College Educated
24.6%
This area
24.6%
State
-6.3%
USA
33.7%
👤 Median Age
35.7 years
This area
35.7 years
State
9.9 years
USA
38.9 years
🏚️ Vacancy Rate
8.5%
This area
8.5%
State
15.4%
USA
10.5%
👥 Population by Ethnicity
White 94.8%
Other/Mixed 2.5%
Black/African American 2.0%
Hispanic/Latino 0.9%
Asian 0.7%
👶 Under 18
26.2%
This area
26.2%
USA
22.0%
👴 65 and Over
12.8%
This area
12.8%
USA
17.3%
📊 Poverty Rate
6.2%
This area
6.2%
USA
11.5%

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

🎓 Schools in 37032

B Avg School Grade
2 Schools
13.5:1 Avg Class Size
$10,316 Avg Per Pupil

Schools in This ZIP Code

B Good

Jo Byrns Elementary School

📚 Pre-K – 05 Elementary
👥
347 Students
👨‍🏫
13.7:1 Class Size
💰
$10,316 Per Student
B Good

Jo Byrns High School

📚 06 – 12 High School
👥
555 Students
👨‍🏫
13.3:1 Class Size
💰
$10,316 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

Frequently Asked Questions

How does Cedar Hill, TN rate as a rental market?

Cedar Hill, TN rates 3.0/5 for investability. With median values at $432K and rents near $1,188/mo, the market offers reasonable fundamentals for rental investors.

Is vacancy a concern in Cedar Hill, TN?

Rental vacancy in Cedar Hill, TN is elevated. Investors should budget normal turnover but not chronic empty units.

Are landlord laws favorable in Cedar Hill, TN?

Cedar Hill, TN operates under TN law, which is landlord-friendly overall for landlords. Expect reliable treatment in typical lease and eviction cases.

Can I live-in-and-rent in Cedar Hill, TN?

The house hack math a challenging in Cedar Hill, TN. Owner-occupant buyers benefit from the $1,188/mo rents and $432K home values.

What are rental rates like in Cedar Hill, TN?

Average rent in Cedar Hill, TN is approximately $1,188/mo per month. Against $432K home values that yields a reasonable rent-to-price ratio.

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How 37032 ranks in Nashville-Davidson--Murfreesboro--Franklin, TN

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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