Real Estate Investing in Cumberland Furnace, Tennessee (37051)
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Should you buy in 37051 (Cumberland Furnace, 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: 17.3% of homes vacant — above national norms.
- High price-to-rent: Price-to-rent ratio 25.1 — 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 Cumberland Furnace, TN (37051)?
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Market Analysis: 37051 Cumberland Furnace
The 37051 ZIP covers a section of Cumberland Furnace that demands careful diligence. Prices near $357K look accessible, but the work to make a deal cash flow is real.
For an experienced owner, 37051 can be a a strong candidate for hunting ground — but the discount at $357K reflects genuine risk that outside investors often underestimate.
Nearby ZIPs in Cumberland Furnace have seen price recovery that 37051 has not matched. Dickson data supports the view that the spread is structural rather than temporary.
The 37051 ZIP's population of 3,712 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that posts the need for careful underwriting.
New investors are better served looking at Cumberland Furnace's stable or hybrid ZIPs before stepping into 37051. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Cumberland Furnace:
Market Trends
Home Value History (with trend line)
📊 How Does 37051 Compare?
| Metric | 37051 | Cumberland Furnace | Tennessee |
|---|---|---|---|
| Home Value | $357,436 | $357,436 | $327,001 |
| 5-Year CAGR | 5.2% | 5.2% | 7.7% |
| Avg Rent | $1,188 | $1,188 | - |
| Cap Rate | 2.6% | 2.6% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 37051 (Cumberland Furnace, TN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $357,436 |
| Monthly Rent | $1,188 |
| Price-to-Rent | 25.1:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.0% |
| Cap Rate | 2.6% |
| 5-Year IRR | 7.7% |
📈 Home Appreciation
| 1-Year | +4.2% ▲ |
| 3-Year CAGR | +3.4% ▲ |
| 5-Year CAGR | +5.2% ▲ |
| 10-Year CAGR | +8.1% ▲ |
🏠 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 (2.6%). 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 37051
Population: 3,712
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
What real estate strategy is ideal for Cumberland Furnace, TN?
Investors who focus on careful cash-flow rentals with hands-on management typically do well in Cumberland Furnace, TN. The numbers - $357K homes against $1,188/mo rents - support that play.
How deep is the rental pool in Cumberland Furnace, TN?
Cumberland Furnace, TN draws a steady base of working renters. Demand at the $1,188/mo rent level is reasonable for standard single-family and small multi rentals.
How expensive is real estate in Cumberland Furnace, TN?
In Cumberland Furnace, TN the median home value sits at $357K. Against the broader TN market, that reads as reasonable for most investors.
Does Cumberland Furnace, TN make sense for an investment property?
Cumberland Furnace, TN clocks in at an investability rating of 3.0/5, with median home values near $357K and average rents around $1,188/mo. That combination puts it in the durable tier for investor interest.
What is the typical rental rate in Cumberland Furnace, TN?
Rent in Cumberland Furnace, TN is around $1,188/mo. The resulting rent-to-value relationship with $357K pricing is reasonable for most investor models.
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