Real Estate Investing in Christiana, Tennessee (37037)

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

Rutherford County • Population: 9,786 • Data updated: September 2026

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Should you buy in 37037 (Christiana, TN)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (60/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 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
1 flag
  • High vacancy: 13.4% of homes vacant — above national norms.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Christiana, TN (37037)?

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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 $410,707
Avg Monthly Rent $1,962
1% Rule ✗ Does Not Meet
Median Income $102,339
% Renters 10.1%

Market Analysis: 37037 Christiana

ZIP 37037 in Christiana, TN carries a healthy set of headwinds. Home values near $411K and rents of $1,962/mo sit inside a market where underwriting has to be tight.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 37037 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

Statewide comparisons place 37037 among TN's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

A substantial renter share of 10% in 37037 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

Distressed ZIPs reward experience. healthy returns are possible in 37037, but they flow to investors who already understand how to operate in soft markets.

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 Christiana:

B Good
Buy Confidence Score: 71/100
Affordability
15/25
Appreciation
22/25
Stability
9/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4× the median income
Value Trend
Stable (+0.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,962/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
🏠

Property Strategy for 37037

Which property type performs best in this market?

Best for Cash Flow
3BR
5.6% cap rate
Best for Appreciation
3BR
+8.0% 5yr CAGR
Best Overall Value
4BR
$111,508/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $361,716 $2,790 5.6% +8.0% $120,572
4BR $446,032 $3,400 5.5% +7.4% $111,508

Market Trends

Home Value History (with trend line)

$436K$372K$309K$245K$181K$117KJul 2006Jul 2016Jul 2026

📊 How Does 37037 Compare?

Metric 37037 Christiana Nashville-Davidson--Murfreesboro--Franklin, TN Tennessee
Home Value $410,707 $410,707 N/A $327,001
5-Year CAGR 5.1% 5.1% N/A 7.7%
Avg Rent $1,962 $1,962 N/A -
Cap Rate 3.7% 3.7% - -
💡 Why Invest in 37037? Click to expand

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

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 37037 (Christiana, TN). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.7%
Low
5yr Growth
+5.1%
Moderate

📊 Market Snapshot

Home Value $410,707
Monthly Rent $1,962
Price-to-Rent 17.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.7%
Cap Rate 3.7%
5-Year IRR 8.8%

📈 Home Appreciation

1-Year +0.4% ▲
3-Year CAGR +1.5% ▲
5-Year CAGR +5.1% ▲
10-Year CAGR +7.8% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.7%). 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
13.4%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.1%
Stable
Eviction process: Moderate Rent control: Favorable

Demographics in 37037

Population: 9,786

💰 Median Household Income
$102,339
This area
$102,339
State
$60,881
USA
$74,580
🏠 Renter Occupied
10.1%
This area
10.1%
State
25.6%
USA
34.0%
💼 Unemployment Rate
1.8%
This area
1.8%
State
-22.2%
USA
3.7%
🎓 College Educated
29.4%
This area
29.4%
State
-6.3%
USA
33.7%
👤 Median Age
36.5 years
This area
36.5 years
State
9.9 years
USA
38.9 years
🏚️ Vacancy Rate
13.4%
This area
13.4%
State
15.4%
USA
10.5%
👥 Population by Ethnicity
White 87.1%
Black/African American 8.2%
Other/Mixed 4.6%
Hispanic/Latino 1.7%
👶 Under 18
27.1%
This area
27.1%
USA
22.0%
👴 65 and Over
11.9%
This area
11.9%
USA
17.3%
📊 Poverty Rate
1.1%
This area
1.1%
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 37037

B Avg School Grade
3 Schools
15.5:1 Avg Class Size
$11,822 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

Christiana Elementary

📚 Pre-K – 05 Elementary
👥
645 Students
👨‍🏫
14.3:1 Class Size
💰
$11,822 Per Student
B Good

Plainview Elementary School

📚 Pre-K – 05 Elementary
👥
661 Students
👨‍🏫
15.3:1 Class Size
💰
$11,822 Per Student
B Good

Christiana Middle School

📚 06 – 08 Middle
👥
1,080 Students
👨‍🏫
16.9:1 Class Size
💰
$11,822 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.

🎓 Nearby Colleges & Universities

4 Nearby 3,409 Off-Campus Students
C
Allied Health Careers Institute
47 students · 8.9 mi
B
Middle Tennessee State University
20,183 students · 10.0 mi
C+
Tennessee College of Applied Technology-Murfreesboro
630 students · 10.4 mi
C
Paul Mitchell the School-Murfreesboro
231 students · 10.8 mi

Investor Insight: With 3,409 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What are rental rates like in Christiana, TN?

Rental rates in Christiana, TN average $1,962/mo. Tenant demand and $411K home values make the yield look reasonable by investor standards.

What is the tenant pool like in Christiana, TN?

Expect a solid tenant pool in Christiana, TN. The rental market absorbs $1,962/mo rents without meaningful friction.

Is house hacking profitable in Christiana, TN?

House hacking in Christiana, TN is reasonable to execute. Prices around $411K and rents of $1,962/mo solid owner-occupant economics.

Is Christiana, TN a friendly market for rental owners?

For rental operators, Christiana, TN rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.

What strategy should investors use in Christiana, TN?

A careful cash-flow rentals with hands-on management strategy Christiana, TN best. The market produces steady results for that approach at the $411K price point.

You know 37037 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 37037 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 37037 ranks in Nashville-Davidson--Murfreesboro--Franklin, TN

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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