The story of this market
The typical home in ZIP 38554 sells for about $220,704, or $135 per square foot.
Prices are down 2.1% from a year ago, which gives buyers more room to negotiate. Homes take about 202 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $837 a month.
ZIP 38554 — Crawford
The 38554 housing market is currently experiencing soft demand and high vacancy rates, reflecting its status as a rural submarket. With limited sales volume and a year-over-year price decline, the market remains challenging for sellers and requires careful due diligence for investors. Current conditions are driven by lower local household incomes and a lack of significant new development activity.
This ZIP is best suited for those seeking rural, low-cost land or housing who are comfortable with longer commutes and limited local amenities; it is less ideal for investors seeking high-turnover, low-friction rental assets.
Median prices moved down 2.1% year over year.
Homes spend a median of 202 days on market with 8.4 months of supply — a slower-moving market.
15% of listings have cut prices · homes sell at 96.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.8% · poverty 35.9% — a mixed stability profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 8.5%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 8.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 38554, Overton County TN
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Schools serving the area are primarily managed by the Overton County School District, which generally faces challenges typical of rural, lower-density Tennessee districts.
The area is subject to standard rural Tennessee climate risks, including potential for severe thunderstorms and wind events; flood risk is localized to specific low-lying areas near creeks.
Economic momentum is limited, with the area primarily serving as a rural residential base rather than a hub for major corporate development or infrastructure expansion.
Property taxes are assessed by Overton County based on a state-mandated appraisal cycle; the area lacks significant MUD or PID special district overlays common in urban growth corridors.
Commutes are predominantly car-dependent, with residents typically traveling to nearby towns like Livingston or Cookeville for employment and services.
Recreation is centered on rural outdoor activities, including access to nearby state parks and natural areas; local shopping and dining options are sparse and require travel to larger county hubs.
The rental market is characterized by low inventory and high vacancy rates, with limited professional management and a reliance on individual landlords.
The local economy is largely driven by agriculture, small-scale manufacturing, and services provided in the county seat of Livingston.
Transportation is entirely reliant on private vehicles, with no public transit infrastructure serving the rural Crawford area.
There are no major commercial or residential developments currently approved or under construction within the ZIP code.
The Overton County Assessor of Property manages assessments, typically following a state-mandated reappraisal cycle to determine fair market value.
Parcels are subject to standard county and school district taxes; there are no significant special utility or improvement districts reported.
Property insurance premiums are influenced by the rural nature of the area and the distance to fire protection services.
Tennessee is a non-judicial foreclosure state, allowing for relatively efficient trustee sales following proper notice.
Tennessee requires sellers to provide a residential property disclosure statement, though certain exemptions apply for specific types of transfers.
Data retrieved from US Census Bureau ZCTA-level tables.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Located nearby, offering hiking, fishing, and camping.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.