Median home value in zip code 38401 (Columbia, TN) is $368,815, up 0.7% year over year. Part of the Nashville-Davidson--Murfreesboro--Franklin, TN metropolitan area.

Home Value$368,815

YoY Change

+0.7%

Prices rising — worse for buyers.

Affordability

Enter your income for 38401 (Columbia).

Income (annual)

Down Payment

$73,763 on $368,815

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

Stretch36% of income

Above 28% but manageable with cuts.

PITI$2,250

P/I36%

Afford$287K

Gap-$82K

P&I $1,865Tax $218Ins $167

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

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

Metro Analysis

38401 is part of the Nashville-Davidson--Murfreesboro--Franklin, TN metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Nashville-Davidson--Murfreesboro--Franklin, TN analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.