Real Estate Investing in Cross Plains, Tennessee (37049)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 37049 (Cross Plains, TN)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
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 29.7 — 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 Cross Plains, TN (37049)?
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Market Analysis: 37049 Cross Plains
This part of Robertson County is not an easy win. The 37049 ZIP sits at softness in key indicators, and the playbook that works in cleaner markets often stalls here.
The 37049 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
Statewide comparisons place 37049 among TN's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.
A significant renter share of 16% in 37049 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
The right play in 37049 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Cross Plains:
Market Trends
Home Value History (with trend line)
📊 How Does 37049 Compare?
| Metric | 37049 | Cross Plains | Nashville-Davidson--Murfreesboro--Franklin, TN | Tennessee |
|---|---|---|---|---|
| Home Value | $423,253 | $423,253 | N/A | $327,001 |
| 5-Year CAGR | 5.6% | 5.6% | N/A | 7.7% |
| Avg Rent | $1,188 | $1,188 | N/A | - |
| Cap Rate | 2.2% | 2.2% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 37049 (Cross Plains, TN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $423,253 |
| Monthly Rent | $1,188 |
| Price-to-Rent | 29.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.4% |
| Cap Rate | 2.2% |
| 5-Year IRR | 7.8% |
📈 Home Appreciation
| 1-Year | +1.7% ▲ |
| 3-Year CAGR | +2.1% ▲ |
| 5-Year CAGR | +5.6% ▲ |
| 10-Year CAGR | +7.5% ▲ |
🏠 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 37049
Population: 4,025
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 37049
Schools in This ZIP Code
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 Cross Plains, TN rate as a rental market?
Cross Plains, TN rates 3.0/5 for investability. With median values at $423K and rents near $1,188/mo, the market offers reasonable fundamentals for rental investors.
Are landlord laws favorable in Cross Plains, TN?
Cross Plains, TN operates under TN law, which is landlord-friendly overall for landlords. Expect steady treatment in typical lease and eviction cases.
What are rental rates like in Cross Plains, TN?
Average rent in Cross Plains, TN is approximately $1,188/mo per month. Against $423K home values that yields a reasonable rent-to-price ratio.
What is the typical vacancy rate in Cross Plains, TN?
Occupancy in Cross Plains, TN runs even-keeled with elevated vacancy. Well-priced units at $1,188/mo lease on reasonable timelines.
What kind of tenants rent in Cross Plains, TN?
Cross Plains, TN offers a even-keeled renter base at the $1,188/mo rent level. Tenant turnover is reasonable for well-managed properties.
You know 37049 now. You don’t know where it ranks.
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How 37049 ranks in Nashville-Davidson--Murfreesboro--Franklin, TN
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