HousingHandbookReference data

U.S. ZIP Code · TN38555

Cumberland County

Typical home value

$289,557[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+1.8%
5-year / yr
+8.3%
10-year / yr
+8.3%

Relative price

vs U.S.
+1.9%
vs metro
vs state
+9.4%
ZIP 38555 location in TN
Location of ZIP 38555 in TN

Price history

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

The typical home in 38555 is worth $289,557. Over the past year, values have risen 1.8%. Homes here rent for a typical $1,467 a month — a 6.1% gross rental yield. The effective property tax rate is 0.3%.

#Rent & investment

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

Monthly rent
$1,467[2]
Gross yield
6.1%[2]
Cap rate
3.6%[2]

#Property tax

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

Effective tax rate
0.3%[3]
Typical annual tax
$878[3]

#Climate risk

FEMA National Risk Index ratings for Cumberland 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
Relatively Low
Drought
Relatively Low
Heat wave
No Rating
Hurricane
Very Low
Tornado
Relatively Moderate
Earthquake
Relatively Low
Winter weather
Relatively High

#Who lives here

Population
21,584[3]
Median household income
$56,818[3]

#Migration

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

Net migration
+521[5]
Moved in
1,987
Moved out
1,466

Schools

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

Public schools
4
Elementary
2
Middle
0
High
2
  • Cumberland County High School

    High · Grades 9–12 · Cumberland County

    982 students

  • Glenn Martin Elementary

    Elementary · Grades PK–8 · Cumberland County

    772 students

  • Stone Elementary

    Elementary · Grades PK–8 · Cumberland County

    638 students

  • The Phoenix School

    High · Grades 9–12 · Cumberland County

    72 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 yield6.1%
Net yield (after ~40% expenses)3.6%
Annual rent$17,600

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$1,464
Loan principal$231,646
Down payment$57,911
Total interest paid$295,451

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 ratio1.21
Monthly cost to own$1,778
Monthly rent$1,467

Renting is meaningfully cheaper month-to-month.

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 38555?
The typical home in 38555 is worth $289,557, based on the Zillow Home Value Index.
Are home values rising in 38555?
Home values in 38555 are up 1.8% over the past year, and up 8.3% a year over five years.
What is the typical rent in 38555?
A typical home in 38555 rents for about $1,467 a month, a gross rental yield of 6.1%.
What is the property tax rate in 38555?
The effective property tax rate in 38555 is 0.3% — roughly $878 a year on a typical home.
Who lives in 38555?
ZIP code 38555 has a population of 21,584 and a median household income of $56,818.

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