Rarity Bay, TN population, income and ZIP codes

Rarity Bay CDP is a very small community in Tennessee, with 728 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #342 of 504 ranked by population — larger than 32% of them. The median age here is 75.4 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Rarity Bay CDP earn a median of $82,143 a year, 4.6% above the national figure of $78,538 and 47% above the $55,988 median for the 307 Tennessee cities we cover. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 4.7% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in Rarity Bay CDP is valued at $654,500, 115.7% above the national figure and 242% above the $191,100 peer median, while median gross rent runs $1,697 a month, 20.7% above the national figure, or roughly $20,364 across a full year. A household on the local median income would put about 24.8% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 8×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 84% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

Home values sit at 8× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere. A median age of 75.4 puts Rarity Bay CDP well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.