HousingHandbookReference data

U.S. ZIP Code · TN38326

Hardin County

Typical home value

$282,531[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+2.3%
5-year / yr
+7.3%
10-year / yr
+6.8%

Relative price

vs U.S.
≈ U.S. median
vs metro
vs state
+6.7%
ZIP 38326 location in TN
Location of ZIP 38326 in TN

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 38326 is worth $282,531. Over the past year, values have risen 2.3%. The effective property tax rate is 0.7%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
0.7%[3]
Typical annual tax
$1,850[3]

#Climate risk

FEMA National Risk Index ratings for Hardin County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Low[4]
Riverine flood
Relatively Low
Coastal flood
Not Applicable
Wildfire
Very Low
Drought
Relatively Low
Heat wave
Relatively Low
Hurricane
Relatively Low
Tornado
Relatively Moderate
Earthquake
Relatively Moderate
Winter weather
Very Low

#Who lives here

Population
2,366[3]
Median household income
$49,026[3]

#Migration

Household moves in and out of Hardin County over a year, from IRS tax-return data.

Net migration
+104[5]
Moved in
690
Moved out
586

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
1
Elementary
1
Middle
0
High
0
  • Pickwick Southside School

    Elementary · Grades PK–8 · Hardin County

    214 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$1,429
Loan principal$226,025
Down payment$56,506
Total interest paid$288,282

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$1,817
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
[1]
Rental yield
[2]
Property tax
[3]

Frequently asked

How much is a home worth in ZIP code 38326?
The typical home in 38326 is worth $282,531, based on the Zillow Home Value Index.
Are home values rising in 38326?
Home values in 38326 are up 2.3% over the past year, and up 7.3% a year over five years.
What is the property tax rate in 38326?
The effective property tax rate in 38326 is 0.7% — roughly $1,850 a year on a typical home.
Who lives in 38326?
ZIP code 38326 has a population of 2,366 and a median household income of $49,026.

Compare ZIPs

Pit ZIP 38326 against any other ZIP — full side-by-side table.

Compare 38326

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