Real Estate Investing in Moscow, Tennessee (38057)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 38057 (Moscow, 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: 16.5% of homes vacant — above national norms.
- High price-to-rent: Price-to-rent ratio 25.9 — 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 Moscow, TN (38057)?
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Market Analysis: 38057 Moscow
This part of Fayette County is not an easy win. The 38057 ZIP registers softness in key indicators, and the playbook that works in cleaner markets often stalls here.
Distressed markets are won on execution, not on spreadsheets. ZIP 38057 registers the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
On the rental side, 38057 offers a low basis, the region around Moscow has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
Resident income in 38057 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
New investors are better served looking at Moscow's stable or hybrid ZIPs before stepping into 38057. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Moscow:
Market Trends
Home Value History (with trend line)
📊 How Does 38057 Compare?
| Metric | 38057 | Moscow | Memphis, TN-MS-AR | Tennessee |
|---|---|---|---|---|
| Home Value | $296,200 | $296,200 | N/A | $327,001 |
| 5-Year CAGR | 4.7% | 4.7% | N/A | 7.7% |
| Avg Rent | $954 | $954 | 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 38057 (Moscow, TN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $296,200 |
| Monthly Rent | $954 |
| Price-to-Rent | 25.9:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.9% |
| Cap Rate | 2.5% |
| 5-Year IRR | 7.2% |
📈 Home Appreciation
| 1-Year | +6.2% ▲ |
| 3-Year CAGR | +3.2% ▲ |
| 5-Year CAGR | +4.7% ▲ |
| 10-Year CAGR | +6.9% ▲ |
🏠 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 38057
Population: 3,329
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 38057
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 do home values compare in Moscow, TN?
In Moscow, TN the median home value sits at $296K. Against the broader TN market, that reads as reasonable for most investors.
What is the best play in Moscow, TN?
For Moscow, TN, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.
Is Moscow, TN landlord-friendly?
TN law landlord-friendly for landlords, and Moscow inherits those rules. Investors should still review local ordinances for rental licensing.
What is the investability score for Moscow, TN?
Yes - Moscow, TN a 3.0/5 investability score. With $296K home prices against $954/mo monthly rent, the market delivers a reasonable entry point for new investors.
How strong is the working-renter base in Moscow, TN?
The renter base in Moscow, TN is reasonable for the $954/mo price point. Screening well and pricing to market typically yields steady tenants.
You know 38057 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 38057 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 38057 ranks in Memphis, TN-MS-AR
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