Real Estate Investing in Cumberland City, Tennessee (37050)
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Should you buy in 37050 (Cumberland City, TN)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 27.1% 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 Cumberland City, TN (37050)?
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Market Analysis: 37050 Cumberland City
Not every below-median market is a bargain. Cumberland City's 37050 ZIP shows signals that favor experienced operators who can absorb the risk $255K pricing implies.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $255K asset, 37050 is the wrong submarket. If the plan prices in friction, the yield can still work.
Regionally, 37050 sits on the difficult end of the TN spectrum. The a credible choice for read — for disciplined operators — is that pricing reflects the difficulty.
The 37050 ZIP's population of 2,028 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that posts the need for careful underwriting.
The 37050 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.
Here's what matters if you're considering buying a home in Cumberland City:
Market Trends
Home Value History (with trend line)
📊 How Does 37050 Compare?
| Metric | 37050 | Cumberland City | Clarksville, TN-KY | Tennessee |
|---|---|---|---|---|
| Home Value | $254,679 | $254,679 | N/A | $327,001 |
| 5-Year CAGR | 4.1% | 4.1% | N/A | 7.7% |
| Avg Rent | $999 | $999 | N/A | - |
| Cap Rate | 3.1% | 3.1% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 37050 (Cumberland City, TN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $254,679 |
| Monthly Rent | $999 |
| Price-to-Rent | 21.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.7% |
| Cap Rate | 3.1% |
| 5-Year IRR | 7.1% |
📈 Home Appreciation
| 1-Year | +6.3% ▲ |
| 3-Year CAGR | +2.7% ▲ |
| 5-Year CAGR | +4.1% ▲ |
| 10-Year CAGR | +6.7% ▲ |
🏠 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 (3.1%). 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 37050
Population: 2,028
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
Frequently Asked Questions
Should investors consider Cumberland City, TN?
With a 3.0/5 investability score, Cumberland City, TN ranks as a solid market for rental property investors. Median prices of $255K and rents of $999/mo drive the underlying numbers.
What is the typical rental rate in Cumberland City, TN?
The typical rental in Cumberland City, TN commands about $999/mo monthly. That rent profile reliable cash flow against the $255K purchase basis.
What is the rental occupancy rate in Cumberland City, TN?
Occupancy in Cumberland City, TN runs reliable with elevated vacancy. Well-priced units at $999/mo lease on reasonable timelines.
Is Cumberland City, TN a friendly market for rental owners?
Cumberland City, TN falls under TN landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.
Is Cumberland City, TN better for rentals, flips, or BRRRR?
Cumberland City, TN investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($255K prices, $999/mo rents) make it a reasonable choice.
You know 37050 now. You don’t know where it ranks.
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How 37050 ranks in Clarksville, TN-KY
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