Real Estate Investing in Church Hill, Tennessee (37642)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 37642 (Church Hill, TN)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 15.1% 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 Church Hill, TN (37642)?
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Market Analysis: 37642 Church Hill
The 37642 ZIP covers a section of Church Hill that demands careful diligence. Prices near $266K look accessible, but the work to make a deal cash flow is real.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 37642 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
The gap between 37642 and stronger Church Hill ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
A solid renter share of 20% in 37642 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
Strategically, 37642 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.
Here's what matters if you're considering buying a home in Church Hill:
Property Strategy for 37642
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 3BR | $271,151 | $1,450 | 3.9% | +11.6% | $90,384 |
| 4BR | $335,226 | $1,590 | 3.4% | +10.5% | $83,806 |
Market Trends
Home Value History (with trend line)
📊 How Does 37642 Compare?
| Metric | 37642 | Church Hill | Tennessee |
|---|---|---|---|
| Home Value | $266,360 | $266,360 | $327,001 |
| 5-Year CAGR | 7.9% | 7.9% | 7.7% |
| Avg Rent | $1,017 | $1,017 | - |
| Cap Rate | 3.0% | 3.0% | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 37642 (Church Hill, TN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $266,360 |
| Monthly Rent | $1,017 |
| Price-to-Rent | 21.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.6% |
| Cap Rate | 3.0% |
| 5-Year IRR | 10.9% |
📈 Home Appreciation
| 1-Year | +5.9% ▲ |
| 3-Year CAGR | +5.7% ▲ |
| 5-Year CAGR | +7.9% ▲ |
| 10-Year CAGR | +8.0% ▲ |
🏠 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 (3.0%). 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 37642
Population: 14,491
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 37642
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 Church Hill, TN for real estate investors?
Yes - Church Hill, TN a 3.0/5 investability score. With $266K home prices against $1,017/mo monthly rent, the market delivers a reasonable entry point for new investors.
What is the average monthly rent in Church Hill, TN?
Average rent in Church Hill, TN is approximately $1,017/mo per month. Against $266K home values that yields a reasonable rent-to-price ratio.
Is Church Hill, TN better for rentals, flips, or BRRRR?
A careful cash-flow rentals with hands-on management strategy Church Hill, TN best. The market produces stable results for that approach at the $266K price point.
Is Church Hill, TN good for landlords?
Landlord-friendliness in Church Hill, TN is landlord-friendly. Eviction timelines and lease enforcement are considered reasonable by most property managers.
How strong is tenant demand in Church Hill, TN?
Tenant demand in Church Hill, TN is solid. The local workforce $1,017/mo rents across most rental classes.
You know 37642 now. You don’t know where it ranks.
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