Mold Removal Cost And Risk In Madison County, TN

A typical professional mold job in Madison County runs about $1,300 to $5,150 before rebuild, using the Jackson, TN price level. Below are the 9 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and Tennessee rules.

1985Median year homes were built

42%Homes built before 1980

38%Homes rented, not owned

$189,700Median home value

43,919Housing units

98,845People

Housing figures from Census ACS 2019 to 2023.

Half the homes in Madison County were built before 1985, and 42 percent went up before 1980. Older plumbing, roofs and window seals are where slow leaks start, and slow leaks are the mold most home policies leave out. About 38 percent of homes in Madison County are rented, so most households here carry an owner's policy on the building itself.

Housing age swings by neighborhood. ZIP 38301 has the oldest homes here, a median year of 1969, and ZIP 38355 the newest, 2002.

Typical Prices In Madison County

JobSizeNational RangeMadison County Estimate
Mold Remediationa typical professional job$1,500 to $6,000$1,300 to $5,150
Mold Remediationan attic$2,000 to $7,500$1,700 to $6,400
Mold Inspection and Testinga visual inspection$200 to $600$150 to $500
Mold Inspection and Testingan inspection with samples$300 to $1,000$250 to $850
Mold Inspection and Testinga clearance test$300 to $800$250 to $700

Estimate is the national range times 85.5 divided by 100, the price level for Jackson, TN, rounded to $50. National ranges from Remediational cost guide, price level from BEA Regional Price Parities 2024.

The standard limited fungi endorsement caps mold at $5,000. Against a typical job here of up to $5,150, that cap falls short by about $150 at the top of that range. Read the form

Water Hazards FEMA Rates Here

FEMA rates Madison County high for cold wave. Water from these events is where mold claims start, and flood water is a separate policy. FloodSmart says mold damage is not covered under standard NFIP flood policies. FloodSmart

HazardFEMA Risk Rating
Inland floodingRelatively Low
Coastal floodingNot Applicable
HurricaneRelatively Low
Cold waveRelatively High
Winter weatherRelatively Low

Source FEMA National Risk Index, December 2025, county level.

ZIP Code Neighborhoods In Madison County

ZIPAreaMedian Year BuiltBuilt Before 1980Median Home Value
38301Madison County196969%$119,400
38305Madison County199127%$221,200
38313Madison County199614%$200,400
38355Madison County200224%$263,800
38356Madison County198941%$156,400
38362Madison County199622%$143,300
38366Madison County198835%$122,000
38391Madison County198446%$97,500
38392Madison County197853%$43,400

ZIP areas are Census ZIP Code Tabulation Areas, placed in the county that holds most of their land, per the Census 2020 ZIP relationship files.

Tennessee Rules On Mold

Who May Do Mold Work

Tennessee has no stand alone mold inspector license. Instead, the Board for Licensing Contractors has a Mold Remediation classification on its contractor license. Tennessee requires a contractor license for jobs of $25,000 or more, so a large mold job should go to a company licensed in that classification.

State law does not bar one company from both inspecting and remediating the same job, so hiring an independent inspector is your own choice. You can check a contractor’s license and classification on the state’s online license lookup.

Tennessee Board for Licensing Contractors

All Tennessee counties

Guides

Area Map

Madison County Area

Jackson, TN