Real Estate Investing in Chestnut Mound, Tennessee (38552)

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

Smith County • Population: 286 • Data updated: September 2026

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Should you buy in 38552 (Chestnut Mound, TN)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (39/100)

Multiple negative signals. Better options likely exist nearby.

📈 For Investors
WEAK
2.0 / 5 (33/100)

Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.

⚠️ Risks to Know
1 flag
  • High vacancy: 50.3% of homes vacant — above national norms.

• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Chestnut Mound, TN (38552)?

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2.0/ 5

Investability

Overall investment appeal

0.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $270,688
Avg Monthly Rent $945
1% Rule ✗ Does Not Meet
Median Income $65,625
% Renters 21.2%

Market Analysis: 38552 Chestnut Mound

In practical terms, ZIP 38552 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $271K median. It rewards specialists, not generalists.

For an experienced owner, 38552 can be a worth a close look for hunting ground — but the discount at $271K reflects genuine risk that outside investors often underestimate.

The gap between 38552 and stronger Chestnut Mound ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

On the rental side, 286 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.

appears to the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.

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 Chestnut Mound:

B Good
Buy Confidence Score: 72/100
Affordability
15/25
Appreciation
25/25
Stability
7/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.1× the median income
Value Trend
Rising (+11.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $945/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
❄️
COOL MARKET
Nashville-Davidson--Murfreesboro--Franklin, TN Metro Area
More inventory, negotiating room for buyers
62 days
Average time to sell
Slow
11.4%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Nashville-Davidson--Murfreesboro--Franklin, TN metro data

Market Trends

Home Value History (with trend line)

$280K$272K$264K$255K$247K$239KFeb 2022May 2024Jul 2026

📊 How Does 38552 Compare?

Metric 38552 Chestnut Mound Nashville-Davidson--Murfreesboro--Franklin, TN Tennessee
Home Value $270,688 $270,688 N/A $327,001
5-Year CAGR N/A N/A N/A 7.7%
Avg Rent $945 $945 N/A -
Cap Rate 2.7% 2.7% - -
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 38552 (Chestnut Mound, TN). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
2.7%
Low

📊 Market Snapshot

Home Value $270,688
Monthly Rent $945
Price-to-Rent 23.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.2%
Cap Rate 2.7%
5-Year IRR 5.0%

📈 Home Appreciation

1-Year +11.0% ▲
3-Year CAGR +2.3% ▲
5-Year CAGR N/A
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

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.

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⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
50.3%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
N/A
Stable
Eviction process: Moderate Rent control: Favorable

Demographics in 38552

Population: 286

💰 Median Household Income
$65,625
This area
$65,625
State
$60,881
USA
$74,580
🏠 Renter Occupied
21.2%
This area
21.2%
State
25.6%
USA
34.0%
💼 Unemployment Rate
4.6%
This area
4.6%
State
-22.2%
USA
3.7%
🎓 College Educated
27.2%
This area
27.2%
State
-6.3%
USA
33.7%
👤 Median Age
35.1 years
This area
35.1 years
State
9.9 years
USA
38.9 years
🏚️ Vacancy Rate
50.3%
This area
50.3%
State
15.4%
USA
10.5%
👥 Population by Ethnicity
White 97.1%
Other/Mixed 2.9%
👶 Under 18
17.4%
This area
17.4%
USA
22.0%
👴 65 and Over
12.4%
This area
12.4%
USA
17.3%
📊 Poverty Rate
6.3%
This area
6.3%
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

Frequently Asked Questions

Is real estate in Chestnut Mound, TN a good investment right now?

Chestnut Mound, TN scores 2.0/5 for investability. Home values sit at $271K and rents near $945/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

How much is rent in Chestnut Mound, TN?

Rents in Chestnut Mound, TN run near $945/mo. Compared with median home prices of $271K that produces solid gross yields for typical rentals.

What kind of vacancy should I budget for in Chestnut Mound, TN?

Chestnut Mound, TN vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.

What is it like being a landlord in Chestnut Mound, TN?

TN law landlord-friendly for landlords, and Chestnut Mound inherits those rules. Investors should still review local ordinances for rental licensing.

Which real estate strategy fits Chestnut Mound, TN?

Investors who focus on careful cash-flow rentals with hands-on management typically do well in Chestnut Mound, TN. The numbers - $271K homes against $945/mo rents - support that play.

You know 38552 now. You don’t know where it ranks.

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How 38552 ranks in Nashville-Davidson--Murfreesboro--Franklin, TN

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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