ZIP Code 38913

In ZIP code 38913, near Derma, homes carry a median value of $158,700, and the county's 0.66% effective property tax rate yields an annual bill of roughly $1,047. That figure lands hard against a median household income of $21,387, with per-capita income at $16,942 — the tax alone consumes about 4.9% of household earnings. Combined with a 7.00% sales tax, purchasing power tightens further. Ownership here hinges less on price than on how steeply carrying costs press against paychecks that sit well below state and national norms.