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Learn about the people, housing, costs and businesses in 39861
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in 39861.
True all-in cost — P&I, taxes, insurance & utilities for homes in 39861.
Find and compare lenders active near 39861.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for 39861.
Seismic risk and earthquake insurance estimates for 39861.
Wildfire exposure and insurance estimates for 39861.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for ZIP code 39861 is approximately 6.979% (7.018% 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 39861The median home value in ZIP code 39861 is $69k. The median monthly rent is $968. Annual property taxes average $953. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in ZIP code 39861 have increased 22.7% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $567/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $24k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in ZIP code 39861 is $40k/year.
Calculate your buying powerThe largest employment sectors in ZIP code 39861 are public administration (31%) and retail (17%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.