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In Less Than a Decade, You Won’t Be Able To Afford Homes in These 80 Southern ZIP Codes

November 14, 2024

10 min Read

Written by Gabrielle Olya

Edited by Gary Dudak

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There are many areas in the South with homes below the U.S. median home value — currently $343,951 — but with the ever-rising cost of living, that won’t be the case forever. In the following ZIP codes identified by GOBankingRates, the median home value is expected to exceed the national median in less than 10 years.

Here’s a look at the southern ZIP codes where homes will be unaffordable within the next decade.

Powell, Tennessee (37849)

January 2024 home value: $331,827
Year it will become too expensive: 2026
2026 projected home value: $383,467

Pictured: Knoxville, Tennessee

Clewiston, Florida (33440)

January 2024 home value: $243,736
Year it will become too expensive: 2030
2030 projected home value: $441,301

Pictured: Fort Lauderdale, Florida

Knoxville, Tennessee (37918)

January 2024 home value: $310,485
Year it will become too expensive: 2028
2028 projected home value: $417,738

Maryville, Tennessee (37804)

January 2024 home value: $321,497
Year it will become too expensive: 2027
2027 projected home value: $396,060

Knoxville, Tennessee (37920)

January 2024 home value: $286,522
Year it will become too expensive: 2029
2029 projected home value: $426,874

West Palm Beach, Florida (33407)

January 2024 home value: $286,522
Year it will become too expensive: 2025
2025 projected home value: $360,589

Savannah, Georgia (31405)

January 2024 home value: $320,837
Year it will become too expensive: 2028
2028 projected home value: $412,746

Pooler, Georgia (31322)

January 2024 home value: $341,944
Year it will become too expensive: 2025
2025 projected home value: $361,777

Guyton, Georgia (31312)

January 2024 home value: $326,635
Year it will become too expensive: 2027
2027 projected home value: $391,234

Pictured: Savannah, Georgia

Chattanooga, Tennessee (37421)

January 2024 home value: $341,716
Year it will become too expensive: 2025
2025 projected home value: $361,193

Knoxville, Tennessee (37921)

January 2024 home value: $267,418
Year it will become too expensive: 2031
2031 projected home value: $467,293

Knoxville, Tennesee (37912)

January 2024 home value: $269,981
Year it will become too expensive: 2031
2031 projected home value: $465,708

Savannah, Georgia (31406)

January 2024 home value: $301,689
Year it will become too expensive: 2030
2030 projected home value: $447,699

Saint Petersburg, Florida (33712)

January 2024 home value: $336,954
Year it will become too expensive: 2026
2026 projected home value: $375,750

Oak Ridge, Tennessee (37830)

January 2024 home value: $286,339
Year it will become too expensive: 2031
2031 projected home value: $468,898

Hixson, Tennessee (37343)

January 2024 home value: $330,582
Year it will become too expensive: 2027
2027 projected home value: $390,395

Pictured: Chattanooga, Tennesee

Gainesville, Georgia (30507)

January 2024 home value: $300,216
Year it will become too expensive: 2030
2030 projected home value: $443,017

Cleveland, Tennessee (37312)

January 2024 home value: $317,069
Year it will become too expensive: 2029
2029 projected home value: $426,315

Gibsonton, Florida (33534)

January 2024 home value: $341,595
Year it will become too expensive: 2025
2025 projected home value: $359,700

Pictured: Tampa, Florida

Charlotte, North Carolina (28215)

January 2024 home value: $340,688
Year it will become too expensive: 2025
2025 projected home value: $358,744

Lawrenceville, Georgia (30046)

January 2024 home value: $338,864
Year it will become too expensive: 2026
2026 projected home value: $375,735

Gainesville, Georgia ($292,276)

January 2024 home value: $341,595
Year it will become too expensive: 2031
2031 projected home value: $463,225

Pictured: Atlanta

Springdale, Arkansas (72762)

January 2024 home value: $342,955
Year it will become too expensive: 2025
2025 projected home value: $360,446

Tampa, Florida (33604)

January 2024 home value: $320,358
Year it will become too expensive: 2029
2029 projected home value: $424,681

Temple Terrace, Florida (33617)

January 2024 home value: $329,329
Year it will become too expensive: 2028
2028 projected home value: $407,981

Zephyrhills, Florida (33541)

January 2024 home value: $340,733
Year it will become too expensive: 2026
2026 projected home value: $376,374

Temple Terrace, Florida (33637)

January 2024 home value: $324,907
Year it will become too expensive: 2029
2029 projected home value: $426,656

Pictured: Tampa, Florida

Savannah, Georgia (31419)

January 2024 home value: $300,960
Year it will become too expensive: 2031
2031 projected home value: $464,622

Johnson City, Tennessee (37615)

January 2024 home value: $324,451
Year it will become too expensive: 2029
2029 projected home value: $426,058

Mebane, North Carolina (27302)

January 2024 home value: $339,419
Year it will become too expensive: 2026
2026 projected home value: $374,923

Pictured: Burlington, North Carolina

Wilmington, North Carolina (28401)

January 2024 home value: $297,308
Year it will become too expensive: 2031
2031 projected home value: $462,012

Lenoir City, Tennessee (37771)

January 2024 home value: $291,760
Year it will become too expensive: 2031
2031 projected home value: $459,385

Pictured: Knoxville, Tennessee

Athens, Georgia (30605)

January 2024 home value: $313,768
Year it will become too expensive: 2030
2030 projected home value: $442,573

Spring Hill, Florida (34609)

January 2024 home value: $327,112
Year it will become too expensive: 2029
2029 projected home value: $425,500

Clinton, Tennessee (37716)

January 2024 home value: $289,215
Year it will become too expensive: 2032
2032 projected home value: $485,887

Little River, South Carolina (29566)

January 2024 home value: $339,066
Year it will become too expensive: 2026
2026 projected home value: $373,820

Pictured: Myrtle Beach, South Carolina

Marietta, Georgia (30008)

January 2024 home value: $332,392
Year it will become too expensive: 2028
2028 projected home value: $407,111

Charlotte, North Carolina (28213)

January 2024 home value: $332,255
Year it will become too expensive: 2028
2028 projected home value: $406,944

Charlotte, North Carolina (28214)

January 2024 home value: $328,610
Year it will become too expensive: 2029
2029 projected home value: $425,424

Gastonia, North Carolina (28056)

January 2024 home value: $328,610
Year it will become too expensive: 2029
2029 projected home value: $425,424

Charlotte, North Carolina (28217)

January 2024 home value: $313,171
Year it will become too expensive: 2031
2031 projected home value: $464,709

Angier, North Carolina (27501)

January 2024 home value: $324,860
Year it will become too expensive: 2029
2029 projected home value: $422,570

Pictured: Raleigh, North Carolina

Winchester, Tennessee (37398)

January 2024 home value: $308,796
Year it will become too expensive: 2031
2031 projected home value: $461,258

Seymour, Tennessee (37865)

January 2024 home value: $336,087
Year it will become too expensive: 2028
2028 projected home value: $408,515

Pictured: Knoxville, Tennessee

Newport, North Carolina (28570)

January 2024 home value: $317,375
Year it will become too expensive: 2031
2031 projected home value: $464,750

Rincon, Georgia (31326)

January 2024 home value: $311,038
Year it will become too expensive: 2031
2031 projected home value: $461,544

Pictured: Savannah, Georgia

Concord, North Carolina (28025)

January 2024 home value: $331,732
Year it will become too expensive: 2029
2029 projected home value: $425,403

South Highpoint, Florida (33760)

January 2024 home value: $340,903
Year it will become too expensive: 2026
2026 projected home value: $374,415

Pictured: Saint Petersburg, Florida

Largo, Florida (33771)

January 2024 home value: $327,802
Year it will become too expensive: 2030
2030 projected home value: $444,331

Homosassa, Florida (34446)

January 2024 home value: $330,666
Year it will become too expensive: 2029
2029 projected home value: $424,037

Fairburn, Georgia (30213)

January 2024 home value: $333,729
Year it will become too expensive: 2028
2028 projected home value: $405,650

Soddy-Daisy, Tennessee (37379)

January 2024 home value: $321,259
Year it will become too expensive: 2030
2030 projected home value: $440,452

Pictured: Chattanooga, Tennessee

Fayetteville, Arkansas (72704)

January 2024 home value: $333,532
Year it will become too expensive: 2029
2029 projected home value: $425,681

Cape Coral, Florida (33909)

January 2024 home value: $342,649
Year it will become too expensive: 2025
2025 projected home value: $358,753

Monroe, Georgia (30655)

January 2024 home value: $336,052
Year it will become too expensive: 2028
2028 projected home value: $406,920

Manchester, Tennessee (37355)

January 2024 home value: $288,218
Year it will become too expensive: 2033
2033 projected home value: $508,005

Weeki Wachee, Florida (34613)

January 2024 home value: $322,538
Year it will become too expensive: 2031
2031 projected home value: $462,998

Charlotte, North Carolina (28216)

January 2024 home value: $319,122
Year it will become too expensive: 2031
2031 projected home value: $461,148

Rock Hill, South Carolina (29732)

January 2024 home value: $341,037
Year it will become too expensive: 2026
2026 projected home value: $373,848

Polk City, Florida (33868)

January 2024 home value: $321,514
Year it will become too expensive: 2031
2031 projected home value: $461,529

Pictured: Lakeland, Florida

Kissimmee, Florida (34743)

January 2024 home value: $342,425
Year it will become too expensive: 2026
2026 projected home value: $374,653

Kingston, Tennessee (37763)

January 2024 home value: $300,950
Year it will become too expensive: 2033
2033 projected home value: $504,147

Winder, Georgia (30680)

January 2024 home value: $324,532
Year it will become too expensive: 2031
2031 projected home value: $459,702

Lake City, Florida (32024)

January 2024 home value: $294,946
Year it will become too expensive: 2033
2033 projected home value: $502,553

York, South Carolina (29745)

January 2024 home value: $326,989
Year it will become too expensive: 2031
2031 projected home value: $460,107

Stanley, North Carolina (28164)

January 2024 home value: $333,282
Year it will become too expensive: 2030
2030 projected home value: $441,550

Pictured: Charlotte, North Carolina

Cookeville, Tennessee (38506)

January 2024 home value: $305,916
Year it will become too expensive: 2033
2033 projected home value: $503,821

Saint Petersburg, Florida (33709)

January 2024 home value: $326,806
Year it will become too expensive: 2031
2031 projected home value: $459,849

Marietta, Georgia (30060)

January 2024 home value: $329,660
Year it will become too expensive: 2031
2031 projected home value: $460,782

Red Bank, Tennessee (37415)

January 2024 home value: $302,455
Year it will become too expensive: 2033
2033 projected home value: $502,379

Pictured: Chattanooga, Tennessee

Lowell, Arkansas (72745)

January 2024 home value: $313,968
Year it will become too expensive: 2032
2032 projected home value: $478,200

Pictured: Fayetteville, Arkansas

Pinellas Park, Florida (33782)

January 2024 home value: $329,138
Year it will become too expensive: 2031
2031 projected home value: $460,051

Pictured: Tampa, Florida

Dallas, Georgia (30157)

January 2024 home value: $319,812
Year it will become too expensive: 2032
2032 projected home value: $479,757

Kathleen, Georgia (31047)

January 2024 home value: $337,597
Year it will become too expensive: 2029
2029 projected home value: $422,724

Pictured: Atlanta

Charlotte, North Carolina (28212)

January 2024 home value: $317,585
Year it will become too expensive: 2033
2033 projected home value: $501,190

Hiram, Georgia (30141)

January 2024 home value: $317,337
Year it will become too expensive: 2033
2033 projected home value: $500,798

Pictured: Atlanta

McDonough, Georgia (30253)

January 2024 home value: $326,306
Year it will become too expensive: 2032
2032 projected home value: $478,442

Pinellas Park, Florida (33781)

January 2024 home value: $322,510
Year it will become too expensive: 2033
2033 projected home value: $500,318

Pictured: Tampa, Florida

Locust Grove, Georgia (30248)

January 2024 home value: $331,160
Year it will become too expensive: 2032
2032 projected home value: $478,203

Pictured: Atlanta

Jacksonville, Florida (32246)

January 2024 home value: $343,368
Year it will become too expensive: 2026
2026 projected home value: $373,532

Photo disclaimer: Photos may not depict the exact ZIP code.

Methodology: GOBankingRates took the overall U.S. median home value and projected its growth and decline over 10 years using Zillow’s January 2024-25 one-year forecast. This projection was then compared to the projections of the 1,635 ZIP codes in the Southern United States (AL, AR, DE, DC, FL, GA, KY, LA, MD, MS, NC, OK, SC, TN, TX, VA, nd WV) that currently have home prices below the national median, with those rising above the national average in the next 10 years (plus its projected growth rate over the same period) being deemed “a place you could no longer afford.” For each Southern ZIP code, GOBankingRates found the following: (1) year the Southern ZIP code will become a “place you could no longer afford”; (2) projected home value for that year; and (3) U.S. average projected home value for that year. NOTE: GOBankingRates does not expect growth in home value to stay stagnant at one current rate for the next decade, but using these constant figures gives us an idea of where certain markets are heading without unforeseen market disruptors in the future. All data used to conduct this study was compiled and verified on Feb. 12, 2024.

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