Median home value in zip code 38581 (Rock Island, TN) is $241,640, up 0.5% year over year. Part of the McMinnville, TN metropolitan area.

Home Value$241,640

YoY Change

+0.5%

Prices rising — worse for buyers.

Affordability

Enter your income for 38581 (Rock Island).

Income (annual)

Down Payment

$48,328 on $241,640

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

Affordable24.5% of income

Under the 28% guideline.

PITI$1,532

P/I24.5%

Afford$276K

Room+$34K

P&I $1,222Tax $143Ins $167

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

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

Metro Analysis

38581 is part of the McMinnville, TN metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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