The basics
Total Population
12,546
Median Age
44.3
Home values & property tax
Ranked against U.S. ZIP codes.
Median Home Value
$179,100
Median Property Tax
$963
Effective Tax Rate
1%
Cost of living & affordability
Ranked against U.S. ZIP codes.
Price-to-Income Ratio
3.04
Median Rent
$814
Home prices & appreciation
Ranked against U.S. ZIP codes.
HPI Growth 5yr %
32%
Appreciation 1yr %
1.8%
Pandemic Gain %
32%
Recession Drop %
1.4%
Climate & weather
Ranked against U.S. ZIP codes.
Summer Avg High (°F)
89.3
Winter Avg Low (°F)
32.3
Avg Temperature (°F)
61.4
Hot Days/yr (>90°F)
63.2
Freezing Days/yr (<32°F)
59.9
Annual Precipitation (in)
57.5
Annual Snowfall (in)
0
Flood & disaster risk
Ranked against U.S. ZIP codes.
FEMA Risk Score
76.5
The full report
Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.
People
Work & Money
Housing
Amenities
Environment & Risk
ZIP Code 38821: frequently asked questions
- What is the median home value in ZIP Code 38821?
- The median home value in ZIP Code 38821 is $179,100, lower than 57% of U.S. ZIP codes.
- How much is property tax in ZIP Code 38821?
- The median annual property tax in ZIP Code 38821 is $963, an effective rate of 1% of home value.
- Is ZIP Code 38821 expensive to live in?
- Homes in ZIP Code 38821 cost about 3.04× the median household income, near the U.S. ZIP codes median.
- What is the average rent in ZIP Code 38821?
- The median gross rent in ZIP Code 38821 is $814 a month, lower than 58% of U.S. ZIP codes.
- How much have home prices grown in ZIP Code 38821?
- Home prices in ZIP Code 38821 have moved 32% over the past five years (1.8% in the past year), per the FHFA House Price Index.
- What is the weather like in ZIP Code 38821?
- ZIP Code 38821 averages 61.4°F year-round, summer highs near 89.3°F, winter lows around 32.3°F (NOAA 1991–2020 normals).
- Is ZIP Code 38821 at risk of flooding or natural disasters?
- ZIP Code 38821's FEMA National Risk Index score is 76.5 (higher than 65% of U.S. ZIP codes). Its greatest modeled natural hazard is tornado.
Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →