Real Estate Investing in Finger, Tennessee (38334)
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Should you buy in 38334 (Finger, TN)? Our answer, based on the numbers below.
Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- High vacancy: 27.5% 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 Finger, TN (38334)?
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Market Analysis: 38334 Finger
ZIP 38334 inside McNairy County looks affordable on the surface — median value of $174K — but the discount exists for reasons that a careful buyer should understand before committing.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 38334 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
Nearby ZIPs in Finger have seen price recovery that 38334 has not matched. McNairy County data supports the view that the spread is structural rather than temporary.
A significant renter share of 10% in 38334 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
Experienced landlords with local relationships tend to find 38334 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.
Here's what matters if you're considering buying a home in Finger:
Market Trends
Home Value History (with trend line)
📊 How Does 38334 Compare?
| Metric | 38334 | Finger | Jackson, TN | Tennessee |
|---|---|---|---|---|
| Home Value | $174,411 | $174,411 | N/A | $327,001 |
| 5-Year CAGR | 4.4% | 4.4% | N/A | 7.7% |
| Avg Rent | $1,008 | $1,008 | N/A | - |
| Cap Rate | 4.5% | 4.5% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 38334 (Finger, TN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $174,411 |
| Monthly Rent | $1,008 |
| Price-to-Rent | 14.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.9% |
| Cap Rate | 4.5% |
| 5-Year IRR | 8.9% |
📈 Home Appreciation
| 1-Year | +10.1% ▲ |
| 3-Year CAGR | +2.7% ▲ |
| 5-Year CAGR | +4.4% ▲ |
| 10-Year CAGR | +6.6% ▲ |
🏠 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 (4.5%). 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 38334
Population: 1,708
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
🎓 Nearby Colleges & Universities
Frequently Asked Questions
How much does a house cost in Finger, TN?
In Finger, TN the median home value sits at $174K. Against the broader TN market, that reads as reasonable for most investors.
Are landlord laws favorable in Finger, TN?
Finger, TN operates under TN law, which is landlord-friendly overall for landlords. Expect predictable treatment in typical lease and eviction cases.
What is the tenant pool like in Finger, TN?
The tenant pool in Finger, TN is solid, supported by local employment and population fundamentals. Rents of $1,008/mo are well-absorbed by the market.
Is Finger, TN a smart market for rental property?
With a 3.0/5 investability score, Finger, TN ranks as a solid market for rental property investors. Median prices of $174K and rents of $1,008/mo drive the underlying numbers.
How strong are rents in Finger, TN?
Investors in Finger, TN typically see rents near $1,008/mo per month against $174K home values - a solid setup for rental cash flow.
You know 38334 now. You don’t know where it ranks.
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How 38334 ranks in Jackson, TN
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