Real Estate Investing in Duff, Tennessee (37729)

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

Campbell County • Population: 1,266 • Data updated: September 2026

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Should you buy in 37729 (Duff, TN)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (54/100)

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

📈 For Investors
WEAK
2.0 / 5 (38/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
1 flag
  • High vacancy: 23.5% 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 Duff, TN (37729)?

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2.0/ 5

Investability

Overall investment appeal

0.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $124,573
Avg Monthly Rent $855
1% Rule ✗ Does Not Meet
Median Income $55,568
% Renters 17.1%

Market Analysis: 37729 Duff

The 37729 ZIP in Duff, TN is a local-operator market. Outside capital chasing a $125K entry has to pair deep knowledge with the discount.

The investment case in 37729 is sturdy only for operators who understand what they are buying. A $125K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

Stepping back, 37729 offers a low basis, the region around Duff has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

Turning to rents, 1,266 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.

Strategy in 37729 is an operator game, not a passive one. Meanwhile, entry prices of $125K are inviting, the management lift is real and non-optional.

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 Duff:

B Good
Buy Confidence Score: 75/100
Affordability
25/25
Appreciation
18/25
Stability
7/20
Timing
10/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.2× the median income
Value Trend
Rising (+4.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $855/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
❄️
COOL MARKET
Knoxville, TN Metro Area
More inventory, negotiating room for buyers
54 days
Average time to sell
Average
11.7%
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 Knoxville, TN metro data

Market Trends

Home Value History (with trend line)

$135K$126K$116K$107K$98K$88KFeb 2022May 2024Jul 2026

📊 How Does 37729 Compare?

Metric 37729 Duff Knoxville, TN Tennessee
Home Value $124,573 $124,573 N/A $327,001
5-Year CAGR N/A N/A N/A 7.7%
Avg Rent $855 $855 N/A -
Cap Rate 5.4% 5.4% - -
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 37729 (Duff, TN). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
5.4%
Fair

📉 Market Crash Risk Index

Based on Knoxville, TN metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
59%
Days Pending
1/2
54 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $124,573
Monthly Rent $855
Price-to-Rent 12.1:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 8.2%
Cap Rate 5.4%
5-Year IRR 15.3%

📈 Home Appreciation

1-Year +4.6% ▲
3-Year CAGR +9.9% ▲
5-Year CAGR N/A
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 5.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.4%). 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.

Vacancy
23.5%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
N/A
Stable
Eviction process: Moderate Rent control: Favorable

Demographics in 37729

Population: 1,266

💰 Median Household Income
$55,568
This area
$55,568
State
$60,881
USA
$74,580
🏠 Renter Occupied
17.1%
This area
17.1%
State
25.6%
USA
34.0%
💼 Unemployment Rate
6.0%
This area
6.0%
State
-22.2%
USA
3.7%
🎓 College Educated
30.2%
This area
30.2%
State
-6.3%
USA
33.7%
👤 Median Age
45.2 years
This area
45.2 years
State
9.9 years
USA
38.9 years
🏚️ Vacancy Rate
23.5%
This area
23.5%
State
15.4%
USA
10.5%
👥 Population by Ethnicity
White 99.8%
Other/Mixed 0.2%
👶 Under 18
23.9%
This area
23.9%
USA
22.0%
👴 65 and Over
18.1%
This area
18.1%
USA
17.3%
📊 Poverty Rate
9.9%
This area
9.9%
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 37729

B Avg School Grade
2 Schools
11.2:1 Avg Class Size
$11,283 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

White Oak Elementary

📚 Pre-K – 08 School
👥
128 Students
👨‍🏫
10.1:1 Class Size
💰
$11,283 Per Student
B Good

Wynn Habersham Elementary

📚 Pre-K – 08 School
👥
144 Students
👨‍🏫
12.3:1 Class Size
💰
$11,283 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.

Frequently Asked Questions

Do rentals sit vacant long in Duff, TN?

Expect elevated vacancy in Duff, TN. Rents at $855/mo are absorbed by the tenant base without meaningful lag.

How much is rent in Duff, TN?

Rents in Duff, TN run near $855/mo. Compared with median home prices of $125K that produces solid gross yields for typical rentals.

Is Duff, TN better for rentals, flips, or BRRRR?

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

What is it like being a landlord in Duff, TN?

TN ranks as a landlord-friendly state for landlord-tenant law. Duff generally follows the statewide framework, so landlords face reasonable operating rules.

Should investors consider Duff, TN?

The 2.0/5 investability rating in Duff, TN reflects its $125K prices and $855/mo rents. Investors generally consider it a solid option within TN.

You know 37729 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 37729 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 37729 ranks in Knoxville, TN

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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