Real Estate Investing in Liberty, Tennessee (37095)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 37095 (Liberty, 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: 15.6% of homes vacant — above national norms.
- Elevated poverty: 22.4% poverty rate — can affect rent collection.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Liberty, TN (37095)?
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Market Analysis: 37095 Liberty
The 37095 ZIP covers a section of Liberty that demands careful diligence. Prices near $289K look accessible, but the work to make a deal cash flow is real.
On balance, the numbers look inviting — $289K purchase price, 0.0% nominal cap — the work to hit that pro forma in 37095 is substantial and deserves full respect.
The gap between 37095 and stronger Liberty ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
The demographic picture in 37095 includes headwinds that any investor should price in. Income distribution skews lower than Liberty averages, and tenant stability requires active management.
Distressed ZIPs reward experience. durable returns are possible in 37095, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in Liberty:
Market Trends
Home Value History (with trend line)
📊 How Does 37095 Compare?
| Metric | 37095 | Liberty | Nashville-Davidson--Murfreesboro--Franklin, TN | Tennessee |
|---|---|---|---|---|
| Home Value | $288,701 | $361,893 | N/A | $327,001 |
| 5-Year CAGR | 5.2% | 5.2% | N/A | 7.7% |
| Avg Rent | $1,188 | $1,053 | N/A | - |
| Cap Rate | 3.2% | 2.4% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 37095 (Liberty, TN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $288,701 |
| Monthly Rent | $1,188 |
| Price-to-Rent | 20.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.9% |
| Cap Rate | 3.2% |
| 5-Year IRR | 8.4% |
📈 Home Appreciation
| 1-Year | +6.6% ▲ |
| 3-Year CAGR | +5.0% ▲ |
| 5-Year CAGR | +5.2% ▲ |
| 10-Year CAGR | +8.8% ▲ |
🏠 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 (3.2%). 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 37095
Population: 1,840
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 37095
Nearby Schools (1 more)
Schools in adjacent ZIP codes that may serve this area
DeKalb West Elementary
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
Should investors worry about vacancy in Liberty, TN?
Liberty, TN sees elevated vacancy, which is reasonable relative to the broader TN rental market.
How strong are rents in Liberty, TN?
Investors in Liberty, TN typically see rents near $1,188/mo per month against $289K home values - a solid setup for rental cash flow.
What is the median home value in Liberty, TN?
Typical homes in Liberty, TN go for around $289K. The 5-year CAGR of 0.0% even-keeled price movement.
How do landlord-tenant laws work in Liberty, TN?
TN ranks as a landlord-friendly state for landlord-tenant law. Liberty generally follows the statewide framework, so landlords face reasonable operating rules.
Is Liberty, TN a good market for buy-and-hold investors?
Investors tracking Liberty, TN will find a 3.0/5 rating supported by $289K median home values and $1,188/mo rents. That profile suits long-term holders targeting consistent returns.
You know 37095 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 37095 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.
How 37095 ranks in Nashville-Davidson--Murfreesboro--Franklin, TN
Every ZIP in this metro, ranked. Free.
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