Real Estate Investing in White Pine, Tennessee (37890)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 37890 (White Pine, 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: 12.1% 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 White Pine, TN (37890)?
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Market Analysis: 37890 White Pine
This part of Jefferson is not an easy win. The 37890 ZIP reflects softness in key indicators, and the playbook that works in cleaner markets often stalls here.
The investment case in 37890 is sturdy only for operators who understand what they are buying. A $302K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
The gap between 37890 and stronger White Pine ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
Demographically, 37890 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.
Distressed ZIPs reward experience. notable returns are possible in 37890, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in White Pine:
Market Trends
Home Value History (with trend line)
📊 How Does 37890 Compare?
| Metric | 37890 | White Pine | Tennessee |
|---|---|---|---|
| Home Value | $301,579 | $301,579 | $327,001 |
| 5-Year CAGR | 8.2% | 8.2% | 7.7% |
| Avg Rent | $1,035 | $1,035 | - |
| Cap Rate | 2.7% | 2.7% | - |
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 37890 (White Pine, TN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $301,579 |
| Monthly Rent | $1,035 |
| Price-to-Rent | 24.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.1% |
| Cap Rate | 2.7% |
| 5-Year IRR | 10.8% |
📈 Home Appreciation
| 1-Year | +4.8% ▲ |
| 3-Year CAGR | +5.5% ▲ |
| 5-Year CAGR | +8.2% ▲ |
| 10-Year CAGR | +8.7% ▲ |
🏠 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 (2.7%). 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 37890
Population: 7,218
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 37890
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
Investor Insight: With 2,195 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
What kind of market is White Pine, TN for investors?
White Pine, TN scores 3.0/5 for investability. Home values sit at $302K and rents near $1,035/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.
What do landlords charge for rent in White Pine, TN?
The typical rental in White Pine, TN commands about $1,035/mo monthly. That rent profile consistent cash flow against the $302K purchase basis.
What kind of vacancy should I budget for in White Pine, TN?
Expect elevated vacancy in White Pine, TN. Rents at $1,035/mo are absorbed by the tenant base without meaningful lag.
How qualified is the tenant pool in White Pine, TN?
Working renters make up the core of the White Pine, TN tenant base. The pool is reasonable for investors targeting long-term holds.
How do experienced investors play White Pine, TN?
White Pine, TN investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($302K prices, $1,035/mo rents) make it a reasonable choice.
You know 37890 now. You don’t know where it ranks.
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