The story of this market
The typical home in ZIP 37645 sells for about $325,000, or $176 per square foot.
Prices are up +3.2% from a year ago, so sellers still have some momentum. Homes take about 45 days to sell. HUD's fair market rent for a two-bedroom is $643 a month.
ZIP 37645 — Mount Carmel
The housing market in 37645 remains stable with steady demand for single-family homes, driven by its affordability relative to the broader Tri-Cities region. Inventory remains tight, supporting modest year-over-year price appreciation, though buyers are increasingly sensitive to interest rate fluctuations.
This ZIP is ideal for families and commuters seeking affordable, single-family housing with a small-town atmosphere while remaining within reach of larger regional employment centers.
Median prices moved up 3.2% year over year.
Homes spend a median of 45 days on market with 3.5 months of supply — a fast-moving market.
12% of listings have cut prices · homes sell at 98.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 7.4% · poverty 7.0% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 9.4%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 7.4%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 37645, Hawkins County TN
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Crime rates in Mount Carmel are generally lower than the national average, with the area maintaining a quiet, suburban safety profile typical of rural East Tennessee.
Schools serving the area are part of the Hawkins County School District, which generally receives moderate performance ratings and is characterized by a focus on community-based education.
The area is subject to standard regional risks including seasonal severe thunderstorms and occasional flooding in low-lying areas near the Holston River; wildfire risk is considered low.
Economic momentum is driven by proximity to the Kingsport-Bristol-Johnson City metro area, with local development focused on residential expansion and small-scale commercial growth.
Property taxes are levied by Hawkins County and the City of Mount Carmel; Tennessee has no state income tax, and the local tax structure relies primarily on property assessments and sales tax.
Residents primarily commute by car to employment hubs in Kingsport or Johnson City, with most drives ranging from 20 to 35 minutes via local highways.
The area offers access to the Holston River for fishing and boating, along with local community parks and proximity to larger regional outdoor attractions in the Appalachian foothills.
The rental market is characterized by low vacancy rates and steady demand from families and workers commuting to nearby industrial and healthcare hubs.
The economy is anchored by manufacturing, healthcare, and retail sectors in the surrounding Tri-Cities region, with many residents commuting to larger employers in Kingsport.
Development is primarily focused on low-density residential infill and expansion of existing neighborhood infrastructure.
Parcels are subject to Hawkins County property tax assessments and local utility district fees.
Property insurance premiums are stable, reflecting the area's moderate risk profile for natural disasters.
Data retrieved from data.census.gov ZCTA 37645 profile.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Provides recreational opportunities including fishing and boating.
Local community space with walking paths and playgrounds.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.