Real Estate Investing in Mc Donald, Tennessee (37353)

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

Bradley County • Population: 4,703 • Data updated: September 2026

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Should you buy in 37353 (Mc Donald, TN)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (47/100)

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
  • Elevated vacancy: 8.3% vacancy may signal weakening demand.
  • High price-to-rent: Price-to-rent ratio 29.9 — 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 Mc Donald, TN (37353)?

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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 $416,692
Avg Monthly Rent $1,161
1% Rule ✗ Does Not Meet
Median Income $58,669
% Renters 19.2%

Market Analysis: 37353 Mc Donald

This part of Bradley County is not an easy win. The 37353 ZIP records softness in key indicators, and the playbook that works in cleaner markets often stalls here.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 37353 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

Within TN, ZIP 37353 trails on several market indicators that neighboring Bradley County submarkets outperform. The gap is real and durable enough to shape underwriting.

The demographic picture in 37353 includes headwinds that any investor should price in. Income distribution skews lower than Mc Donald averages, and tenant stability requires active management.

Distressed ZIPs reward experience. substantial returns are possible in 37353, but they flow to investors who already understand how to operate in soft markets.

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 Mc Donald:

C Below Average
Buy Confidence Score: 59/100
Affordability
5/25
Appreciation
22/25
Stability
7/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 7.1× the median income
Value Trend
Stable (+1.8%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,161/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
❄️
COOL MARKET
Cleveland, TN Metro Area
More inventory, negotiating room for buyers
84 days
Average time to sell
Slow
11.8%
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 Cleveland, TN metro data
🏠

Property Strategy for 37353

Which property type performs best in this market?

Best for Cash Flow
3BR
2.8% cap rate
Best for Appreciation
4BR
+10.4% 5yr CAGR
Best Overall Value
4BR
$133,758/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $425,065 $1,650 2.8% +10.0% $141,688
4BR $535,031 $1,710 2.3% +10.4% $133,758

Market Trends

Home Value History (with trend line)

$444K$383K$323K$262K$201K$141KJul 2006Jul 2016Jul 2026

📊 How Does 37353 Compare?

Metric 37353 Mc Donald Cleveland, TN Tennessee
Home Value $416,692 $416,692 N/A $327,001
5-Year CAGR 6.2% 6.2% N/A 7.7%
Avg Rent $1,161 $1,161 N/A -
Cap Rate 2.2% 2.2% - -
💡 Why Invest in 37353? 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 →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 37353 (Mc Donald, TN). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.2%
Low
5yr Growth
+6.2%
Strong

📉 Market Crash Risk Index

Based on Cleveland, TN metro

3/10
Moderate Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
57%
Days Pending
2/2
84 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $416,692
Monthly Rent $1,161
Price-to-Rent 29.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.3%
Cap Rate 2.2%
5-Year IRR 8.4%

📈 Home Appreciation

1-Year +1.8% ▲
3-Year CAGR +3.0% ▲
5-Year CAGR +6.2% ▲
10-Year CAGR +7.8% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.2%). 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.

Vacancy
8.3%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+6.2%
Growing
Eviction process: Moderate Rent control: Favorable

Demographics in 37353

Population: 4,703

💰 Median Household Income
$58,669
This area
$58,669
State
$60,881
USA
$74,580
🏠 Renter Occupied
19.2%
This area
19.2%
State
25.6%
USA
34.0%
💼 Unemployment Rate
3.3%
This area
3.3%
State
-22.2%
USA
3.7%
🎓 College Educated
29.0%
This area
29.0%
State
-6.3%
USA
33.7%
👤 Median Age
49.0 years
This area
49.0 years
State
9.9 years
USA
38.9 years
🏚️ Vacancy Rate
8.3%
This area
8.3%
State
15.4%
USA
10.5%
👥 Population by Ethnicity
White 94.3%
Other/Mixed 3.4%
Hispanic/Latino 2.4%
Black/African American 1.8%
Asian 0.5%
👶 Under 18
18.4%
This area
18.4%
USA
22.0%
👴 65 and Over
19.4%
This area
19.4%
USA
17.3%
📊 Poverty Rate
13.3%
This area
13.3%
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

🎓 Nearby Colleges & Universities

8 Nearby 3,423 Off-Campus Students
C+
Southern Adventist University
3,154 students · 6.4 mi
C+
Lee University
3,680 students · 7.1 mi
C
Pentecostal Theological Seminary
501 students · 7.2 mi
C
Brillare Beauty Institute
259 students · 7.5 mi
C
Cleveland State Community College
3,254 students · 8.0 mi
D
Miller-Motte College-Chattanooga
3,667 students · 12.7 mi
C
Chattanooga College Medical Dental and & Technical Careers
311 students · 14.3 mi
C
Chattanooga State Community College
6,601 students · 14.3 mi

Investor Insight: With 3,423 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What investment strategy works best in Mc Donald, TN?

A careful cash-flow rentals with hands-on management strategy Mc Donald, TN best. The market produces consistent results for that approach at the $417K price point.

Is vacancy a concern in Mc Donald, TN?

Mc Donald, TN vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.

What is the investability score for Mc Donald, TN?

The 3.0/5 investability rating in Mc Donald, TN reflects its $417K prices and $1,161/mo rents. Investors generally consider it a solid option within TN.

Is Mc Donald, TN good for landlords?

Rental owners in Mc Donald, TN deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.

What kind of tenants rent in Mc Donald, TN?

The renter base in Mc Donald, TN is reasonable for the $1,161/mo price point. Screening well and pricing to market typically yields stable tenants.

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How 37353 ranks in Cleveland, TN

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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