Real Estate Investing in Hartsville, Tennessee (37074)

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

Trousdale County • Population: 10,999 • Data updated: September 2026

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Should you buy in 37074 (Hartsville, TN)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (58/100)

Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.

📈 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
  • Elevated vacancy: 8.1% vacancy may signal weakening demand.

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

What’s happening in Hartsville, TN (37074)?

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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 $332,140
Avg Monthly Rent $1,188
1% Rule ✗ Does Not Meet
Median Income $61,776
% Renters 24.9%

Market Analysis: 37074 Hartsville

Not every below-median market is a bargain. Hartsville's 37074 ZIP posts signals that favor experienced operators who can absorb the risk $332K pricing implies.

The investment case in 37074 is notable only for operators who understand what they are buying. A $332K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

The gap between 37074 and stronger Hartsville ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Demographically, 37074 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

Strategy in 37074 is an operator game, not a passive one. In practical terms, entry prices of $332K are inviting, the management lift is real and non-optional.

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 Hartsville:

C+ Average
Buy Confidence Score: 68/100
Affordability
10/25
Appreciation
22/25
Stability
11/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.4× the median income
Value Trend
Rising (+8.0%)
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)

$351K$297K$242K$188K$134K$80KJul 2006Jul 2016Jul 2026

📊 How Does 37074 Compare?

Metric 37074 Hartsville Nashville-Davidson--Murfreesboro--Franklin, TN Tennessee
Home Value $332,140 $332,140 N/A $327,001
5-Year CAGR 5.3% 5.3% N/A 7.7%
Avg Rent $1,188 $1,188 N/A -
Cap Rate 2.8% 2.8% - -
💡 Why Invest in 37074? 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 37074 (Hartsville, TN). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.8%
Low
5yr Growth
+5.3%
Moderate

📊 Market Snapshot

Home Value $332,140
Monthly Rent $1,188
Price-to-Rent 23.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.3%
Cap Rate 2.8%
5-Year IRR 8.1%

📈 Home Appreciation

1-Year +8.0% ▲
3-Year CAGR +3.9% ▲
5-Year CAGR +5.3% ▲
10-Year CAGR +9.3% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.8%). 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
8.1%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.3%
Stable
Eviction process: Moderate Rent control: Favorable

Demographics in 37074

Population: 10,999

💰 Median Household Income
$61,776
This area
$61,776
State
$60,881
USA
$74,580
🏠 Renter Occupied
24.9%
This area
24.9%
State
25.6%
USA
34.0%
💼 Unemployment Rate
0.6%
This area
0.6%
State
-22.2%
USA
3.7%
🎓 College Educated
8.4%
This area
8.4%
State
-6.3%
USA
33.7%
👤 Median Age
34.0 years
This area
34.0 years
State
9.9 years
USA
38.9 years
🏚️ Vacancy Rate
8.1%
This area
8.1%
State
15.4%
USA
10.5%
👥 Population by Ethnicity
White 82.6%
Black/African American 11.4%
Other/Mixed 5.2%
Hispanic/Latino 3.0%
Asian 0.7%
👶 Under 18
18.6%
This area
18.6%
USA
22.0%
👴 65 and Over
12.4%
This area
12.4%
USA
17.3%
📊 Poverty Rate
8.2%
This area
8.2%
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 37074

B+ Avg School Grade
3 Schools
15.2:1 Avg Class Size
$11,458 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

Trousdale Co Elementary

📚 Pre-K – 05 Elementary
👥
693 Students
👨‍🏫
15.0:1 Class Size
💰
$11,458 Per Student
B+ Above Average

Trousdale Co High School

📚 09 – 12 High School
👥
394 Students
👨‍🏫
15.0:1 Class Size
💰
$11,458 Per Student
B Good

Jim Satterfield Middle School

📚 06 – 08 Middle
👥
328 Students
👨‍🏫
15.8:1 Class Size
💰
$11,458 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

1 Nearby 200 Off-Campus Students
C+
Tennessee College of Applied Technology-Hartsville
701 students · 2.0 mi

Frequently Asked Questions

Should investors worry about vacancy in Hartsville, TN?

Hartsville, TN sees elevated vacancy, which is reasonable relative to the broader TN rental market.

How much do tenants pay in Hartsville, TN?

Expect rents around $1,188/mo per month in Hartsville, TN. With home values at $332K, the yield math works out to reasonable levels for rental investors.

How much does a house cost in Hartsville, TN?

Homes in Hartsville, TN typically sell near $332K. Prices have moved at a 0.0% 5-year CAGR, which measured long-term demand.

Is the tenant base reliable in Hartsville, TN?

Tenant demand in Hartsville, TN is solid. The local workforce $1,188/mo rents across most rental classes.

What investment strategy works best in Hartsville, TN?

Most investors in Hartsville, TN run a careful cash-flow rentals with hands-on management strategy. It aligns with the 3.0/5 investability profile and the market fundamentals.

You know 37074 now. You don’t know where it ranks.

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How 37074 ranks in Nashville-Davidson--Murfreesboro--Franklin, TN

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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