Real Estate Investing in Tiptonville, Tennessee (38079)

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

Lake County • Population: 4,450 • Data updated: September 2026

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Should you buy in 38079 (Tiptonville, TN)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (60/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (52/100)

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
3 flags
  • High vacancy: 21.9% of homes vacant — above national norms.
  • Elevated poverty: 21.2% poverty rate — can affect rent collection.
  • Lower household income: $30,172 median — tenant affordability is tighter.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Tiptonville, TN (38079)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $114,947
Avg Monthly Rent $855
1% Rule ✗ Does Not Meet
Median Income $30,172
% Renters 52.8%

Market Analysis: 38079 Tiptonville

The 38079 ZIP in Tiptonville, TN is a local-operator market. Outside capital chasing a $115K entry has to pair deep knowledge with the discount.

The 38079 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

The gap between 38079 and stronger Tiptonville ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

A solid renter share of 53% in 38079 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

New investors are better served looking at Tiptonville's stable or hybrid ZIPs before stepping into 38079. The learning curve here is expensive when the lesson is wrong.

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 Tiptonville:

C+ Average
Buy Confidence Score: 63/100
Affordability
15/25
Appreciation
18/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.8× the median income
Value Trend
Rising (+4.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $855/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.

Market Trends

Home Value History (with trend line)

$122K$110K$97K$85K$73K$61KJul 2006Jul 2016Jul 2026

📊 How Does 38079 Compare?

Metric 38079 Tiptonville Tennessee
Home Value $114,947 $114,947 $327,001
5-Year CAGR 3.3% 3.3% 7.7%
Avg Rent $855 $855 -
Cap Rate 5.8% 5.8% -
💡 Why Invest in 38079? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

53% of households rent in this area, creating consistent tenant demand for landlords.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 38079 (Tiptonville, TN). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
5.8%
Fair
5yr Growth
+3.3%
Moderate

📊 Market Snapshot

Home Value $114,947
Monthly Rent $855
Price-to-Rent 11.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 8.9%
Cap Rate 5.8%
5-Year IRR 9.1%

📈 Home Appreciation

1-Year +4.9% ▲
3-Year CAGR +1.2% ▲
5-Year CAGR +3.3% ▲
10-Year CAGR +4.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 5.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.8%). 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
21.9%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+3.3%
Stable
Eviction process: Moderate Rent control: Favorable

Demographics in 38079

Population: 4,450

💰 Median Household Income
$30,172
This area
$30,172
State
$60,881
USA
$74,580
🏠 Renter Occupied
52.8%
This area
52.8%
State
25.6%
USA
34.0%
💼 Unemployment Rate
1.9%
This area
1.9%
State
-22.2%
USA
3.7%
🎓 College Educated
10.5%
This area
10.5%
State
-6.3%
USA
33.7%
👤 Median Age
44.7 years
This area
44.7 years
State
9.9 years
USA
38.9 years
🏚️ Vacancy Rate
21.9%
This area
21.9%
State
15.4%
USA
10.5%
👥 Population by Ethnicity
White 62.6%
Black/African American 29.8%
Other/Mixed 7.2%
Hispanic/Latino 2.3%
Asian 0.4%
👶 Under 18
7.8%
This area
7.8%
USA
22.0%
👴 65 and Over
13.6%
This area
13.6%
USA
17.3%
📊 Poverty Rate
21.2%
This area
21.2%
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 38079

A Avg School Grade
2 Schools
10.6:1 Avg Class Size
$14,836 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Lake Co High School

📚 09 – 12 High School
👥
209 Students
👨‍🏫
10.9:1 Class Size
💰
$14,836 Per Student
A Very Good

Margaret Newton Elementary

📚 Pre-K – 02 Elementary
👥
186 Students
👨‍🏫
10.3:1 Class Size
💰
$14,836 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

How much rent can I charge in Tiptonville, TN?

Rental rates in Tiptonville, TN average $855/mo. Tenant demand and $115K home values make the yield look reasonable by investor standards.

What real estate strategy is ideal for Tiptonville, TN?

The best-fit strategy in Tiptonville, TN is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.

What are vacancy rates like in Tiptonville, TN?

Tiptonville, TN carries elevated vacancy risk. Expect measured absorption at market rents of $855/mo.

Is Tiptonville, TN a good market for FHA house hackers?

The house hack math a challenging in Tiptonville, TN. Owner-occupant buyers benefit from the $855/mo rents and $115K home values.

Is Tiptonville, TN a good place for real estate investing?

With a 3.0/5 investability score, Tiptonville, TN ranks as a solid market for rental property investors. Median prices of $115K and rents of $855/mo drive the underlying numbers.

You know 38079 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 38079 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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