Real Estate Investing in Lobelville, Tennessee (37097)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 37097 (Lobelville, TN)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- High vacancy: 37.2% 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 Lobelville, TN (37097)?
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Market Analysis: 37097 Lobelville
Meanwhile, ZIP 37097 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $168K median. It rewards specialists, not generalists.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $168K asset, 37097 is the wrong submarket. If the plan prices in friction, the yield can still work.
In the broader TN picture, 37097 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.
Employment concentration in 37097 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
Experienced landlords with local relationships tend to find 37097 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.
Here's what matters if you're considering buying a home in Lobelville:
Market Trends
Home Value History (with trend line)
📊 How Does 37097 Compare?
| Metric | 37097 | Lobelville | Tennessee |
|---|---|---|---|
| Home Value | $167,997 | $167,997 | $327,001 |
| 5-Year CAGR | 3.3% | 3.3% | 7.7% |
| Avg Rent | $936 | $936 | - |
| Cap Rate | 4.4% | 4.4% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 37097 (Lobelville, TN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $167,997 |
| Monthly Rent | $936 |
| Price-to-Rent | 15.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.7% |
| Cap Rate | 4.4% |
| 5-Year IRR | 7.7% |
📈 Home Appreciation
| 1-Year | +7.1% ▲ |
| 3-Year CAGR | +1.0% ▲ |
| 5-Year CAGR | +3.3% ▲ |
| 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 (4.4%). 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 37097
Population: 2,118
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 37097
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 strong is Lobelville, TN for real estate investors?
Lobelville, TN scores 3.0/5 for investability. Home values sit at $168K and rents near $936/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.
What kind of vacancy should I budget for in Lobelville, TN?
Lobelville, TN vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.
How much rent can I charge in Lobelville, TN?
Lobelville, TN rentals go for roughly $936/mo a month. That puts gross yield in solid territory relative to $168K acquisition costs.
Does Lobelville, TN favor landlords or tenants?
Rental owners in Lobelville, TN deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.
What strategy should investors use in Lobelville, TN?
Investors usually favor careful cash-flow rentals with hands-on management in Lobelville, TN. With home values at $168K and rents near $936/mo, other strategies can work but produce consistent rather than outsized returns.
You know 37097 now. You don’t know where it ranks.
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