Tennessee

Hardin County

ZIP 38326

26,939 residents22 permits TTM$49,149 median HHI9 ZIP codesUpdated April 16, 2026
Investor first look

Median home value

$154,000

ACS 5-Year

Cap rate proxy

6.0%

FMR × 0.65 ÷ Home Value

Rent-to-income

18.8%

HUD FMR ÷ ACS HHI

Net migration

+0.81%

IRS SOI

Permits (TTM)

22

Census BPS

Climate risk

70.7

FEMA NRI (0–100)

ZIP 38326

Median home value

$277,667

Gross yield

4.0%

Cap rate

3.3%

Rent gap

16.8%

Affordability

P/I: 5.6R/I:

Section 8 detail

SAFMR: $925Rent: $770Gap: 20.1%
ZIP code breakdown9 ZIP codes

Numbers repeat across most ZIPs in this county

ZIP-level home-value data isn't published for rural areas. Federal sources (Census ACS, HUD non-metro FMR) are available at the county level only, so home-value, cap-rate, and rent-gap numbers use the county estimate for every ZIP in the county.

ZIPMedian home valueRent (FMR 2BR)Gross yieldCap rateRent gap
38326$277,667$9254.0%3.3%16.8%
38327$154,000county est.$9257.2%6.0%16.8%
38359$154,000county est.$9257.2%6.0%16.8%
38361$154,000county est.$9257.2%6.0%16.8%
38365$154,000county est.$9257.2%6.0%16.8%

Ranked by composite score

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Demographics

Owner-occupied

78.0%

Census ACS

Vacancy rate

28.2%

Census ACS

Bachelor's degree +

14.8%

Census ACS

Rent burdened

34.4%

Census ACS (>30% income)

Median age

45.4

Census ACS

Data sources
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