Median home value in zip code 38260 (Troy, TN) is $168,960, up 5.2% year over year. Part of the Union City, TN metropolitan area.

Home Value$168,960

YoY Change

+5.2%

Prices rising — worse for buyers.

Affordability

Enter your income for 38260 (Troy).

Income (annual)

Down Payment

$33,792 on $168,960

Example: $75,000 household income. Change it above to see your own.

Affordable17.9% of income

Under the 28% guideline.

PITI$1,121

P/I17.9%

Afford$264K

Room+$95K

P&I $854Tax $100Ins $167

6.50% 30yr, 20% down, county tax + TN ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

38260 is part of the Union City, TN metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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