Median home value in zip code 38582 (Silver Point, TN) is $346,665, up 2.1% year over year. Part of the Cookeville, TN metropolitan area.

Home Value$346,665

YoY Change

+2.1%

Prices rising — worse for buyers.

Affordability

Enter your income for 38582 (Silver Point).

Income (annual)

Down Payment

$69,333 on $346,665

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

Stretch34% of income

Above 28% but manageable with cuts.

PITI$2,125

P/I34%

Afford$285K

Gap-$61K

P&I $1,753Tax $205Ins $167

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

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

Metro Analysis

38582 is part of the Cookeville, TN metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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