Real Estate Investing in Estill Springs, Tennessee (37330)

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

Franklin County • Population: 7,279 • Data updated: September 2026

☆ Watch this market Free account

Should you buy in 37330 (Estill Springs, TN)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (48/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 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
2 flags
  • High vacancy: 15.3% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 26.2 — 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 Estill Springs, TN (37330)?

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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 $319,230
Avg Monthly Rent $1,017
1% Rule ✗ Does Not Meet
Median Income $57,384
% Renters 16.6%

Market Analysis: 37330 Estill Springs

The 37330 ZIP covers a section of Estill Springs that demands careful diligence. Prices near $319K look accessible, but the work to make a deal cash flow is real.

The investment case in 37330 is resilient only for operators who understand what they are buying. A $319K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

ZIP 37330's metrics run below Franklin County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

Demographically, 37330 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.

New investors are better served looking at Estill Springs's stable or hybrid ZIPs before stepping into 37330. The learning curve here is expensive when the lesson is wrong.

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 Estill Springs:

C+ Average
Buy Confidence Score: 62/100
Affordability
10/25
Appreciation
22/25
Stability
9/20
Timing
6/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.6× the median income
Value Trend
Rising (+4.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,017/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Tullahoma-Manchester, TN Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
9.0%
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 Tullahoma-Manchester, TN metro data
🏠

Property Strategy for 37330

Which property type performs best in this market?

Best for Cash Flow
3BR
3.5% cap rate
Best for Appreciation
4BR
+10.9% 5yr CAGR
Best Overall Value
3BR
$101,704/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $305,113 $1,500 3.5% +10.3% $101,704
4BR $555,111 $1,840 2.4% +10.9% $138,778

Market Trends

Home Value History (with trend line)

$338K$291K$243K$196K$148K$101KJul 2006Jul 2016Jul 2026

📊 How Does 37330 Compare?

Metric 37330 Estill Springs Tullahoma-Manchester, TN Tennessee
Home Value $319,230 $319,230 N/A $327,001
5-Year CAGR 5.6% 5.6% N/A 7.7%
Avg Rent $1,017 $1,017 N/A -
Cap Rate 2.5% 2.5% - -
💡 Why Invest in 37330? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 37330 (Estill Springs, TN). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.5%
Low
5yr Growth
+5.6%
Moderate

📊 Market Snapshot

Home Value $319,230
Monthly Rent $1,017
Price-to-Rent 26.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.8%
Cap Rate 2.5%
5-Year IRR 8.1%

📈 Home Appreciation

1-Year +4.4% ▲
3-Year CAGR +3.3% ▲
5-Year CAGR +5.6% ▲
10-Year CAGR +8.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.5%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.5%). 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
15.3%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.6%
Stable
Eviction process: Moderate Rent control: Favorable

Demographics in 37330

Population: 7,279

💰 Median Household Income
$57,384
This area
$57,384
State
$60,881
USA
$74,580
🏠 Renter Occupied
16.6%
This area
16.6%
State
25.6%
USA
34.0%
💼 Unemployment Rate
1.7%
This area
1.7%
State
-22.2%
USA
3.7%
🎓 College Educated
19.2%
This area
19.2%
State
-6.3%
USA
33.7%
👤 Median Age
42.6 years
This area
42.6 years
State
9.9 years
USA
38.9 years
🏚️ Vacancy Rate
15.3%
This area
15.3%
State
15.4%
USA
10.5%
👥 Population by Ethnicity
White 94.3%
Other/Mixed 4.0%
Black/African American 1.6%
Hispanic/Latino 1.1%
Asian 0.1%
👶 Under 18
19.9%
This area
19.9%
USA
22.0%
👴 65 and Over
17.3%
This area
17.3%
USA
17.3%
📊 Poverty Rate
12.0%
This area
12.0%
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 37330

B Avg School Grade
1 Schools
15.6:1 Avg Class Size
$11,739 Avg Per Pupil

Schools in This ZIP Code

B Good

Rock Creek Elementary

📚 Pre-K – 05 Elementary
👥
398 Students
👨‍🏫
15.6:1 Class Size
💰
$11,739 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

3 Nearby 1,563 Off-Campus Students
C
Motlow State Community College
6,060 students · 11.1 mi
B
The University of the South
1,693 students · 13.0 mi
C
Love Beauty School Inc
64 students · 14.3 mi

Investor Insight: With 1,563 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What kind of vacancy should I budget for in Estill Springs, TN?

Expect elevated vacancy in Estill Springs, TN. Rents at $1,017/mo are absorbed by the tenant base without meaningful lag.

What is the average home sale price in Estill Springs, TN?

Estill Springs, TN home values average about $319K. That price point suits investors targeting rentals with $1,017/mo in monthly income.

What do rentals go for in Estill Springs, TN?

Estill Springs, TN rentals go for roughly $1,017/mo a month. That puts gross yield in solid territory relative to $319K acquisition costs.

Are tenants stable in Estill Springs, TN?

The tenant pool in Estill Springs, TN is solid, supported by local employment and population fundamentals. Rents of $1,017/mo are well-absorbed by the market.

How do experienced investors play Estill Springs, TN?

For Estill Springs, TN, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

You know 37330 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 37330 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.

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How 37330 ranks in Tullahoma-Manchester, TN

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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