Location: Cumberland County, TN | Metro: Bledsoe County, TN
Based on 1% Rule: A+ (≥1.5%) | A (≥1.2%) | B (≥1.0%) | C (≥0.8%) | D (≥0.6%) | F (<0.6%)
| Unit Size | Monthly FMR |
|---|---|
| Studio | $810 |
| 1 Bedroom | $820 |
| 2 Bedrooms | $1,070 |
| 3 Bedrooms | $1,450 |
| 4 Bedrooms | $1,470 |
| 5 Bedrooms | $1,705 |
| 6 Bedrooms | $1,910 |
| 7 Bedrooms | $2,063 |
| 8 Bedrooms | $2,166 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-08-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $1,070 | $286,282 | 0.37% | F |
| 3BR | $1,450 | $337,815 | 0.43% | F |
U.S. Census Bureau data (2024)
The Section 8 market analysis for ZIP code 38572 in Crossville, TN, within Cumberland County, reveals that voucher tenants cashflow at the HUD Fair Market Rent (FMR) rate of $930 for the Cumberland County metro area, based on Fiscal Year 2026 data. The market rent for the area, according to Census ACS, stands at $956, indicating that landlords can expect minimal cashflow when renting units at the FMR rate. However, with premium units—those that offer additional amenities or are in better condition—landlords can achieve positive cashflow.
To further analyze the investment potential, consider the median home value of $283,530. This figure yields a rent-to-price ratio of approximately 0.33%, which is relatively low compared to national averages. This suggests that rental income alone might not be the primary driver for investment in this area; instead, the focus could shift towards long-term appreciation or stability.
The median Days on Market (DOM) for properties in this area is 70 days, and the share of listings that experienced a price cut is only 0.2%. These metrics indicate a stable housing market where properties typically sell without significant price adjustments, suggesting that the area is attractive for investors seeking stability over quick turnover.
The strongest angle for investors in ZIP 38572 is stability. With a low rent-to-price ratio and a market that shows little volatility, investors can expect consistent returns and minimal risk in property value fluctuations.
Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-08-31). Demographics from U.S. Census (2024).
About FMR: Fair Market Rent (FMR) is used to determine payment standards for the Section 8 Housing Choice Voucher program, initial renewal rents for some expiring project-based Section 8 contracts, and rent ceilings for HOME Investment Partnerships.