Tennessee
Clay County
ZIP 38551
7,621 residents25 permits TTM$44,712 median HHI2 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$136,900
ACS 5-Year
Cap rate proxy
4.8%
FMR × 0.65 ÷ Home Value
Rent-to-income
14.7%
HUD FMR ÷ ACS HHI
Net migration
+0.35%
IRS SOI
Permits (TTM)
25
Census BPS
Climate risk
13.3
FEMA NRI (0–100)
ZIP 38551
Median home value
—
Gross yield
—
Buy Box score
0.1
Section 8 gap
—
Affordability
P/I: 4.3R/I: —
Section 8 detail
SAFMR: —Rent: —Gap: —
ZIP code breakdown2 ZIP codes
Sort by any column. Click a ZIP for detail.
Demographics
Owner-occupied
77.6%
Census ACS
Vacancy rate
19.7%
Census ACS
Bachelor's degree +
12.0%
Census ACS
Rent burdened
19.8%
Census ACS (>30% income)
Median age
48.8
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026