ZIP 37885· Monroe County· Knoxville, TN· 6,120 residents· Median income $74,683· Leaning Buyer
37885 · Vonore, TN has a HavenScore of 51 — affordability is the drag — prices are stretched against local incomes.
At the ZIP's typical value, the estimated monthly payment takes 51% of the local median income (Zillow, US Census ACS). The buyer/seller gauge leans narrowly toward buyers, and has for 7 months. Typical values moved higher over the last 90 days (Zillow ZHVI).
Saved ZIPs on Haven get an email when the score moves 5+ points as monthly data lands, when the market gauge flips between buyers and sellers, when its valuation read moves against the model value, or when distress jumps in a week.
Zillow ZHVI peaked at $494,489 in Aug 2026, which is the latest value. Since January 2019 it is +79.7%. The sharpest 12-month move was +0.2%, ending Nov 2025.
HavenScore: higher than 53% of scored ZIPs.Higher than 53% of scored ZIPs
▲ +2 / 90d#60/67 in TNBuyer Score
Rank
Ranked #6,461 of 13,130 nationally · #2,651 of 5,378 small market ZIPs
Switch perspective
Buyer view active — Leans harder on affordability and downside risk.
Score inputs below recompute for this view
Affordability
30/100
Growth
70/100
Risk
52/100
Momentum
69/100
Livability
53/100
Score · trailing 12 mo
46 → 52
+6 points
30-day
+1
90-day
+2
1-yr
+6
01
Snapshot
Numbers at a glance, with a year of history under each
Median price
$494,489
▲up+2.7% 12 mo
Typical home value across the middle tier of homes here — a smoothed Zillow index, steadier than individual sale prices.
Median price: higher than 72% of scored ZIPs.Higher than 72% of scored ZIPs
Twelve-month trend shown as a sparkline; the newest value is $494,489.
Price-to-income
6.6×
Median home value divided by median household income. Under 4× has historically been comfortable; over 5× stretches most budgets.
Price-to-income: higher than 85% of scored ZIPs.Higher than 85% of scored ZIPs
Est. monthly payment
$3,152
At the median value with 20% down, a 30-year fixed at 7.28%, plus property tax and insurance.
Est. monthly payment: higher than 77% of scored ZIPs.Higher than 77% of scored ZIPs
Active listings
65
Homes listed for sale right now (Realtor.com). Rising inventory usually favors buyers; falling inventory favors sellers.
Active listings: higher than 59% of scored ZIPs.Higher than 59% of scored ZIPs
Twelve-month trend shown as a sparkline; the newest value is 65.
Days on market
71
How long the typical listing sits before going under contract. Shorter means a tighter market; longer means more room to negotiate.
Days on market: higher than 75% of scored ZIPs.Higher than 75% of scored ZIPs
Twelve-month trend shown as a sparkline; the newest value is 71.
Price cuts
+18.95%
Share of active listings that have lowered their asking price. Rising cuts usually precede softening values.
Twelve-month trend shown as a sparkline; the newest value is +18.95%.
Median income
$74,683
Median household income here, from the latest US Census American Community Survey.
Population
6,120
Current resident estimate. Growth is a demand tailwind; decline is a structural risk.
Twelve-month trend shown as a sparkline; the newest value is 6,120.
Overvaluation
+60.29%
How far today's values sit above the long-run price trend. Positive means stretched; negative means discounted versus trend.
Vacancy
7.9%
Average. Share of housing units that are vacant in this ZIP, from the latest US Census ACS 5-year tables.
Owner-occupied
76%
of homes. Share of occupied housing units owned by their occupants (vs. rented), from the US Census ACS.
Denial rate
30.9%
Above-average. Share of mortgage applications denied in 2024 across this ZIP's county, from CFPB / FFIEC HMDA data.
Lending activity
984
county originations. Mortgages originated in 2024 across this ZIP's county, from CFPB / FFIEC HMDA data. Every ZIP in the county shows the same count. Higher counts mean a more active lending market.
Net migration
+11.8%
net inflow. Households moving into this ZIP's county minus those moving out, as a share of all moves in and out, from IRS SOI county-to-county migration data. Positive means more households moved in than out.
Income inflow
$71k
average. Average adjusted gross income of households moving into this ZIP's county, from IRS SOI migration data. Higher means the county is drawing higher-income households.
02
Place
What it is like to live here, and what could flood or burn
Place profile
WalkabilityLeast walkable
EPA index 4.8 of 20 · EPA Smart Location Database · Jun 2021 · above 17% of scored ZIPs
Transit accessNo transit data
EPA publishes no stop distance for most block groups
Typical commuteLonger commute than typical
28 minutes one way · US median ZIP 22 · US Census ACS · above 15% of scored ZIPs
Jobs nearbyFew jobs nearby
24 jobs per sq mi · US Census LODES · above 16% of scored ZIPs
Physical riskRelatively High (FEMA)
FEMA National Risk Index composite · Dec 2025 release · above 20% of scored ZIPs
Bands are each source’s own · tick marks the national median ZIP · not blended into the score
Hazard ledger · FEMA National Risk Index
Composite
◆
Relatively High · county 57
Flood
score 93 · above 92% of ZIPs · county 60
Wildfire
score 87 · above 81% of ZIPs · county 83
Hurricane
score 57 · above 52% of ZIPs · county 55
Tract-level rolled up to ZIP · not a property-level rating · no future-year projection · refreshed annually (Dec 2025 release) · county tick = median of 4 scored ZIPs in Monroe County
Everyday prices · BEA Regional Price Parities
Everyday prices in the Knoxville metro run 7% below the US average (BEA Regional Price Parities, 2024).
Rents in the index run 17% below the US average.
$75,000 at US-average prices buys what $69,450 buys here.
Metro-level index, US = 100 · 2024 · the Knoxville metro, not this ZIP alone
Housing cost burden · US Census ACS
Owners spending over 50% of income3%
US median ZIP 6%
Renters spending over 30% of income34%
US median ZIP 45%
03
What drives the score
Five pillars, each scored 0–100
Affordability
30/100
Growth momentum
70/100
Market risk
52/100
Momentum
69/100
Livability
53/100
Walkability
1–20 index · June 2021 vintage·EPA Smart Location Database
4.8
Transit access
Ranked against every scored ZIP·EPA Smart Location Database
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Job density
Jobs per square mile, ranked against every scored ZIP·US Census LODES
23.9
See every input behind the pillars, with its value and source
Inside: Affordability: Price-to-income, Property tax rate, Median income · Growth momentum: 12-month price change, 12-month rent change, Population · Market risk: Overvaluation, Active listings, Price cuts · Momentum: Days on market, Buyer / seller gauge, Demand dial
Conditions are easing in buyers' favor. The score reads more negotiation room than balanced.
-7
Strong buyerBalancedStrong seller
Gauge since Mar 2026Leaning Buyer now
Mar
Apr
May
Jun
Jul
Aug
Sep
Buyer’sBalancedSeller’s
Cycle read. Cooling: prices +2.7% over the trailing year, with the market leaning toward buyers.
Asking vs closed
Typical value (index)
$494,489
Zillow ZHVI · Oct 2026
Median sale price
—
Redfin
Sale-to-list
—
Redfin
Sold above list
—
Redfin
The Zillow figure is a smoothed index of typical value, not a list price; the Redfin figures are closed sales for the month shown. Redfin does not publish every ZIP every month; a dash means no closed-sale figure for the latest month.
05
Momentum check
What's changed in the last 90 days
🔒 Haven
Locked
Median price
——
🔒 Haven
Locked
Inventory
——
🔒 Haven
Locked
Days on market
——
🔒 Haven
Locked
Price cuts
——
Change vs. prior 90 days · arrow shows direction, not whether it’s good or bad
Pulse signals unlock with Haven, plus a one-line market interpretation.
The 90-day numbers behind each tile open with Haven
06
Trend
Where it's been
Peak
$494,489
Aug 2026
From peak
0.0%
At peak
Since Jan 2019
+79.7%
Worst 12 mo
+0.2%
to Nov 2025
Best 12 mo
+24.7%
since 2018
Zillow ZHVI peaked at $494,489 in Aug 2026, which is the latest value. Since January 2019 it is +79.7%. The sharpest 12-month move was +0.2%, ending Nov 2025.
Cycle position — prices vs the model’s value estimate and the payment’s share of income vs five years ago — opens with Pro
Appreciation by window
Zillow ZHVI · rank among scored ZIPs
Window
Change
Per year
US rank
Tennessee rank
1 year
▲up+2.7%
+2.7%/yr
Higher than 59% nationally
Higher than 65% in Tennessee
3 years
▲up+5.5%
+1.8%/yr
Higher than 42% nationally
Higher than 39% in Tennessee
5 years
▲up+28.5%
+5.1%/yr
Higher than 67% nationally
Higher than 50% in Tennessee
10 years
▲up+90.3%
+6.6%/yr
Higher than 64% nationally
Higher than 22% in Tennessee
Since 2009
▲up+128.5%
+5.0%/yr
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—
Starter homes vs the top tier
Zillow ZHVI tiers · Aug 2026
Bottom third (starter homes)
$242,907
▲up+32% 5Y▲up+103% 10Y
Middle third
$494,489
▲up+31% 5Y▲up+94% 10Y
Top third
$1,024,270
▲up+37% 5Y▲up+101% 10Y
Starter homes here rose 32% in five years while top-tier homes rose 37% (Zillow ZHVI tiers) — the top of the market outpaced the bottom.
By home type · Zillow ZHVI mid tier
Single-family
$512,090
—
Condo / co-op
$329,567
—
Condos here are priced 36% below single-family homes (Zillow ZHVI by home type).
The historical reading — which months run highest and lowest here — opens with Haven
Rent, inventory, days on market, Zillow’s market heat, the % view and state and US reference lines open with Haven
07
Forecast
Where it's heading
The HavenScore Forecast Model (v1) projects this ZIP’s median value at 3-, 6-, and 12-month horizons, with 80% prediction intervals; Pro adds 24- and 36-month horizons.
Price Forecast
3-month projection · 80% range
🔒 Haven
3-month shown | 6 & 12 months with Haven →
3-month
$503,835
+1.9%
80% range $495.5K–$512.9K
6-month
🔒 Haven
12-month
🔒 Haven
Of the 3-month ranges we published since December 2025, 54% contained the actual price. Track record →
6- and 12-month projections, their 80% ranges, and what moves the forecast unlock with Haven.
Zillow's own published forecast has this ZIP's typical value rise 2.2% over the twelve months from August 2026 (Zillow Home Value Forecast).
Forecasts are the model’s projection, not a prediction. Actuals will differ.
See the 6- and 12-month price ranges for this ZIP and what moves the forecast
Rent data isn’t published for this ZIP, so we can’t compute a rent-vs-buy gap.
Insurance uses the average homeowners premium insurers reported for this ZIP in 2022, $2,029 a year (Treasury Federal Insurance Office).
Payment share of income
0%28%36%50%70%+
51%of the ZIP’s median income at the median value ($3,152/mo against $74,683 · Zillow, Freddie Mac PMMS, US Census ACS). Your own marker appears once you set an income or price in the calculator below.
Price-to-income · ZIP vs state vs US
This ZIP
6.6×
TN median ZIP
4.7×
US median ZIP
4.3×
Median home value ÷ median household income · Zillow ZHVI, US Census ACS · under 4× has historically been comfortable
09
Run the numbers
Your price, rate, down payment and income
Like for like: a 3-bedroom here rents for about $1,560 a month (HUD Small Area Fair Market Rent, FY2026) against a typical 3-bedroom value of $540k (Zillow ZHVI by bedroom) — a 3.5% gross rent yield.
Cost of ownership over time
Cumulative housing cost, interest paid, and equity built · 20% down · ZIP median income $74,683
See the 1-, 5-, and 30-year cost of owning here
Inside: Total housing cost · Interest paid · Principal paid · Equity built
ZIPs the score groups near 37885 on Affordability and Growth — sorted by lowest median value. Each tile names what the lower price trades: commute (ACS), walkability band (EPA) and hazard rating (FEMA).
Every metric above is sourced from public datasets, normalized against the national ZIP distribution. Home values and rents refresh monthly; demographics refresh annually.
Data-driven market takes and the week's biggest ZIP movers, every Tuesday. Want this ZIP specifically? Save it to your account — saved ZIPs get a monthly digest of what changed.