Real Estate Investing in Oneida, Tennessee (37841)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 37841 (Oneida, 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.
- Elevated vacancy: 11.1% vacancy may signal weakening demand.
- Elevated poverty: 24.8% poverty rate — can affect rent collection.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Oneida, TN (37841)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 37841 Oneida
The 37841 ZIP in Oneida, TN is a local-operator market. Outside capital chasing a $201K entry has to pair deep knowledge with the discount.
For an experienced owner, 37841 can be a a solid fit for hunting ground — but the discount at $201K reflects genuine risk that outside investors often underestimate.
The gap between 37841 and stronger Oneida ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
The demographic picture in 37841 includes headwinds that any investor should price in. Income distribution skews lower than Oneida averages, and tenant stability requires active management.
The 37841 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.
Here's what matters if you're considering buying a home in Oneida:
Market Trends
Home Value History (with trend line)
📊 How Does 37841 Compare?
| Metric | 37841 | Oneida | Tennessee |
|---|---|---|---|
| Home Value | $201,434 | $201,434 | $327,001 |
| 5-Year CAGR | 4.5% | 4.5% | 7.7% |
| Avg Rent | $882 | $882 | - |
| Cap Rate | 3.4% | 3.4% | - |
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 37841 (Oneida, TN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $201,434 |
| Monthly Rent | $882 |
| Price-to-Rent | 19.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.3% |
| Cap Rate | 3.4% |
| 5-Year IRR | 7.9% |
📈 Home Appreciation
| 1-Year | +4.1% ▲ |
| 3-Year CAGR | +2.8% ▲ |
| 5-Year CAGR | +4.5% ▲ |
| 10-Year CAGR | +6.5% ▲ |
🏠 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 (3.4%). 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.
Demographics in 37841
Population: 10,214
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 37841
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 Oneida, TN a good market for buy-and-hold investors?
Our data puts Oneida, TN at 3.0/5 for investability. Home prices of $201K and rents around $882/mo create a solid backdrop for investor activity.
Are rents high in Oneida, TN?
Rents in Oneida, TN run near $882/mo. Compared with median home prices of $201K that produces solid gross yields for typical rentals.
What type of investing works in Oneida, TN?
A careful cash-flow rentals with hands-on management strategy Oneida, TN best. The market produces predictable results for that approach at the $201K price point.
Is house hacking profitable in Oneida, TN?
House hacking in Oneida, TN is reasonable to execute. Prices around $201K and rents of $882/mo solid owner-occupant economics.
Do rentals sit vacant long in Oneida, TN?
Expect elevated vacancy in Oneida, TN. Rents at $882/mo are absorbed by the tenant base without meaningful lag.
You know 37841 now. You don’t know where it ranks.
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