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Learn about the people, housing, costs and businesses in 39854
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in 39854.
True all-in cost — P&I, taxes, insurance & utilities for homes in 39854.
Find and compare lenders active near 39854.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for 39854.
Seismic risk and earthquake insurance estimates for 39854.
Wildfire exposure and insurance estimates for 39854.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for ZIP code 39854 is approximately 7.248% (7.297% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for ZIP code 39854The median home value in ZIP code 39854 is $104k. The median monthly rent is $905. Annual property taxes average $941. Home values are based on U.S. Census Bureau American Community Survey estimates.
Based on a typical all-in ownership cost of $629/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $27k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in ZIP code 39854 is $40k/year.
Calculate your buying powerThe largest employment sectors in ZIP code 39854 are retail (29%) and public administration (15%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.