Real Estate Investing in Madisonville, Tennessee (37354)

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

Monroe County • Population: 17,421 • Data updated: September 2026

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Should you buy in 37354 (Madisonville, TN)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (68/100)

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
CLEAN

No major risk flags on the data we track.

What’s happening in Madisonville, TN (37354)?

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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 $292,215
Avg Monthly Rent $1,100
1% Rule ✗ Does Not Meet
Median Income $50,838
% Renters 26.5%

Market Analysis: 37354 Madisonville

ZIP 37354 inside Monroe County looks affordable on the surface — median value of $292K — but the discount exists for reasons that a careful buyer should understand before committing.

Rent of $1,100/mo on a $292K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 37354 sits below the stated 0.0% once reality is priced in.

Regionally, 37354 sits on the difficult end of the TN spectrum. The a strong candidate for read — for disciplined operators — is that pricing reflects the difficulty.

Demographically, 37354 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.

Experienced landlords with local relationships tend to find 37354 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.

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 Madisonville:

C+ Average
Buy Confidence Score: 69/100
Affordability
10/25
Appreciation
25/25
Stability
11/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.7× the median income
Value Trend
Rising (+8.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,100/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
🏠

Property Strategy for 37354

Which property type performs best in this market?

Best for Cash Flow
2BR
3.1% cap rate
Best for Appreciation
2BR
+12.7% 5yr CAGR
Best Overall Value
4BR
$93,589/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $225,579 $960 3.1% +12.7% $112,789
3BR $307,802 $1,260 2.9% +11.8% $102,601
4BR $374,357 $1,270 2.4% +10.7% $93,589

Market Trends

Home Value History (with trend line)

$310K$265K$221K$177K$132K$88KSep 2009Mar 2018Jul 2026

Rent History (with trend line)

No data available

📊 How Does 37354 Compare?

Metric 37354 Madisonville Tennessee
Home Value $292,215 $292,215 $327,001
5-Year CAGR 7.5% 7.5% 7.7%
Avg Rent $1,100 $1,100 -
Cap Rate 2.9% 2.9% -
💡 Why Invest in 37354? 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 37354 (Madisonville, TN). Anonymous, moderated, never written by AI.

Do you own or manage rentals in ZIP 37354 (Madisonville, TN)?

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Investability
Good
Cap Rate
2.9%
Low
5yr Growth
+7.5%
Strong

📊 Market Snapshot

Home Value $292,215
Monthly Rent $1,100
Price-to-Rent 22.1:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.5%
Cap Rate 2.9%
5-Year IRR 10.4%

📈 Home Appreciation

1-Year +8.0% ▲
3-Year CAGR +5.9% ▲
5-Year CAGR +7.5% ▲
10-Year CAGR +8.3% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.9%). 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
7.7%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+7.5%
Growing
Eviction process: Moderate Rent control: Favorable

Demographics in 37354

Population: 17,421

💰 Median Household Income
$50,838
This area
$50,838
State
$60,881
USA
$74,580
🏠 Renter Occupied
26.5%
This area
26.5%
State
25.6%
USA
34.0%
💼 Unemployment Rate
3.7%
This area
3.7%
State
-22.2%
USA
3.7%
🎓 College Educated
13.2%
This area
13.2%
State
-6.3%
USA
33.7%
👤 Median Age
43.1 years
This area
43.1 years
State
9.9 years
USA
38.9 years
🏚️ Vacancy Rate
7.7%
This area
7.7%
State
15.4%
USA
10.5%
👥 Population by Ethnicity
White 91.2%
Other/Mixed 7.6%
Hispanic/Latino 5.6%
Black/African American 1.1%
Asian 0.1%
👶 Under 18
21.8%
This area
21.8%
USA
22.0%
👴 65 and Over
21.7%
This area
21.7%
USA
17.3%
📊 Poverty Rate
11.5%
This area
11.5%
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 37354

B Avg School Grade
5 Schools
18.1:1 Avg Class Size
$11,870 Avg Per Pupil

Schools in This ZIP Code

B Good

Madisonville Primary

📚 Pre-K – 02 Elementary
👥
540 Students
👨‍🏫
17.4:1 Class Size
💰
$11,870 Per Student
B Good

Sequoyah High School

📚 09 – 12 High School
👥
801 Students
👨‍🏫
16.0:1 Class Size
💰
$11,870 Per Student
B Good

Madisonville Intermediate School

📚 03 – 05 Elementary
👥
498 Students
👨‍🏫
18.4:1 Class Size
💰
$11,870 Per Student
B Good

Madisonville Middle School

📚 06 – 08 Middle
👥
416 Students
👨‍🏫
18.9:1 Class Size
💰
$11,870 Per Student
C+ Average

Monroe County Virtual School

📚 04 – 12 High School
👥
217 Students
👨‍🏫
19.7:1 Class Size
💰
$11,870 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

2 Nearby
C+
Sweetwater Institute of Cosmetology
33 students · 9.3 mi
C
Tennessee Wesleyan University
1,074 students · 14.5 mi

Frequently Asked Questions

What price range are homes in Madisonville, TN?

The median home value in Madisonville, TN is roughly $292K. That puts it reasonable relative to the TN statewide average.

Where do rents currently stand in Madisonville, TN?

Investors in Madisonville, TN typically see rents near $1,100/mo per month against $292K home values - a solid setup for rental cash flow.

Are landlord laws favorable in Madisonville, TN?

Madisonville, TN operates under TN law, which is landlord-friendly overall for landlords. Expect reliable treatment in typical lease and eviction cases.

Which real estate strategy fits Madisonville, TN?

The best-fit strategy in Madisonville, TN is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.

How qualified is the tenant pool in Madisonville, TN?

Expect a solid tenant pool in Madisonville, TN. The rental market absorbs $1,100/mo rents without meaningful friction.

You know 37354 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 37354 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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