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Market MapTennesseeBradley

Bradley County

TennesseePopulation: 108,859
52
/100
Hold
#513 of 1,000 counties
#56 in Tennessee (95 counties)

Market Snapshot

$306,759
Median Home Price
31% above national median
$1,349/mo
Median Rent
11% below national median
5.28%
Rent-to-Price Ratio
Top 67% nationally
-$731
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$306,759
Down Payment (20%)$61,352
Loan Amount$245,407
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,349
Monthly P&I-$1,608
Est. Expenses (35%)-$472
Net Cash Flow-$731/mo
3.4%
Cap Rate (all cash)
-12.4%
Cash-on-Cash Return
5.28%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.4% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
52/100
52
Cash Flow(30%)
49/100

Based on 5.28% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
56/100

Based on 0.6% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
54/100

Price-to-income ratio of 5.1x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Complete rent data available

Challenges

  • -Below-average rent-to-price ratio (5.28%)
  • -Negative cash flow at typical financing (-$731/mo)
  • -Negative leverage (cap rate 3.4% < mortgage rate 6.9%)

Economic Indicators

Population
108,859
Median Income
$60,692
vs $57,018 national est.
Unemployment Rate
—
Data pending
Price-to-Income
5.1x
Less affordable

Compare to Nearby Counties

CountyVerdict
GrundyTN
54$200,790Est. pending—HoldView
CurrentBradleyTN
52$306,759$1,3495.28%Hold
SequatchieTN
52$276,009Est. pending—HoldView
BlountTN
52$380,434$1,7165.41%HoldView
RobertsonTN
51$366,187$1,6885.53%HoldView
MontgomeryTN
51$318,518$1,3865.22%HoldView

The Bottom Line

HoldBradley is a neutral market. Consider house hacking or targeting below-market deals.

Bradley County in Tennessee scores 52/100, ranking #513 of 1,000 US counties (top 68%). The 5.28% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow
$-731/mo
Cap Rate
3.4%
Cash-on-Cash
-12.4%

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