Real Estate Investing in Niota, Tennessee (37826)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 37826 (Niota, TN)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- Elevated vacancy: 8.5% vacancy may signal weakening demand.
- High price-to-rent: Price-to-rent ratio 26.6 — 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 Niota, TN (37826)?
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Market Analysis: 37826 Niota
ZIP 37826 in Niota, TN carries a significant set of headwinds. Home values near $278K and rents of $873/mo sit inside a market where underwriting has to be tight.
Distressed markets are won on execution, not on spreadsheets. ZIP 37826 stands at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
The gap between 37826 and stronger Niota ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
Demographically, 37826 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.
Strategically, 37826 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 Niota:
Market Trends
Home Value History (with trend line)
📊 How Does 37826 Compare?
| Metric | 37826 | Niota | Athens, TN | Tennessee |
|---|---|---|---|---|
| Home Value | $278,120 | $278,120 | N/A | $327,001 |
| 5-Year CAGR | 6.0% | 6.0% | N/A | 7.7% |
| Avg Rent | $873 | $873 | N/A | - |
| Cap Rate | 2.5% | 2.5% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 37826 (Niota, TN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $278,120 |
| Monthly Rent | $873 |
| Price-to-Rent | 26.6:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.8% |
| Cap Rate | 2.5% |
| 5-Year IRR | 8.5% |
📈 Home Appreciation
| 1-Year | +6.5% ▲ |
| 3-Year CAGR | +4.5% ▲ |
| 5-Year CAGR | +6.0% ▲ |
| 10-Year CAGR | +7.4% ▲ |
🏠 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 (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.
Demographics in 37826
Population: 3,493
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 37826
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.
🎓 Nearby Colleges & Universities
Frequently Asked Questions
Is housing expensive in Niota, TN?
Niota, TN median home values land near $278K. That is reasonable territory for investors looking at $873/mo-per-month rentals.
Is vacancy a concern in Niota, TN?
Expect elevated vacancy in Niota, TN. Rents at $873/mo are absorbed by the tenant base without meaningful lag.
Is Niota, TN good for landlords?
For rental operators, Niota, TN rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.
What does house hacking look like in Niota, TN?
For house hackers, Niota, TN is a challenging. The $873/mo rent on a unit helps defray the mortgage on a $278K property.
Are renters plentiful in Niota, TN?
Niota, TN draws a predictable base of working renters. Demand at the $873/mo rent level is reasonable for standard single-family and small multi rentals.
You know 37826 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 37826 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.
How 37826 ranks in Athens, TN
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