Housing affordability index in Tennessee

Housing affordability index in Tennessee: puts one number on the housing question: 23.1% of the state's median household income goes to principal and interest on a median-priced home at today's rate.

30-year fixed rate used: 6.76% (observed 2026-09-10, FRED MORTGAGE30US).

Share of income

23.1%

principal + interest

Monthly payment

$1,267

on a $243,946 home

Median income

$65,748

households, ACS 5-year

Housing affordability index in Tennessee: counties ranked, least affordable first
RankCountyShare of incomeMonthly P&I
1Davidson County30.8%$1,842
2Williamson County30.2%$3,174
3Putnam County25.4%$1,149
4Sumner County25.3%$1,728
5Wilson County25%$1,864
6Sevier County24.9%$1,246
7Rutherford County24.3%$1,585
8DeKalb County24.3%$951
9Maury County23.8%$1,420
10Cannon County23.5%$1,131
11Moore County23.1%$1,333
12Bedford County23%$1,149
13Robertson County22.7%$1,409
14Hamilton County22.6%$1,303
15Knox County22.6%$1,289
16Macon County22.5%$961
17Washington County22.5%$1,096
18Cumberland County22.2%$1,038
19Dickson County22.2%$1,266
20Coffee County22.1%$1,056
21Hancock County22.1%$585
22Loudon County21.9%$1,370
23Blount County21.8%$1,286
24Lake County21.8%$581
25Trousdale County21.8%$1,129
26Sequatchie County21.7%$959
27Fayette County21.7%$1,468
28Smith County21.7%$1,041
29Bradley County21.5%$1,090
30Shelby County21.5%$1,071
31Cheatham County21.2%$1,362
32Pickett County21%$775
33Clay County20.9%$688
34Hamblen County20.9%$864
35Monroe County20.9%$908
36Overton County20.9%$810
37White County20.9%$839
38Marshall County20.8%$1,135
39Montgomery County20.8%$1,176
40Franklin County20.7%$999
41Johnson County20.5%$812
42Humphreys County20.2%$912
43Grainger County20%$785
44Greene County20%$865
45Anderson County19.9%$1,007
46Claiborne County19.9%$703
47Sullivan County19.8%$899
48Lewis County19.4%$722
49Madison County19.2%$887
50Lawrence County19.1%$813
51Jefferson County19%$955
52Cocke County18.9%$712
53Giles County18.9%$896
54Hardin County18.9%$739
55Lincoln County18.9%$968
56Carter County18.8%$753
57Unicoi County18.8%$782
58Hickman County18.7%$851
59Jackson County18.6%$655
60McMinn County18.6%$900
61Bledsoe County18.5%$798
62Van Buren County18.5%$689
63Campbell County18.4%$738
64Henry County18.3%$732
65Roane County18.1%$1,005
66Houston County18%$775
67Scott County17.9%$592
68Hawkins County17.9%$799
69Tipton County17.9%$1,057
70Union County17.9%$854
71Fentress County17.8%$712
72Stewart County17.8%$850
73Warren County17.6%$778
74Rhea County17.5%$809
75Dyer County17.5%$773
76Meigs County17.1%$847
77Henderson County16.9%$725
78McNairy County16.7%$651
79Decatur County16.5%$668
80Grundy County16.4%$657
81Marion County16.4%$795
82Wayne County16.3%$670
83Haywood County16.2%$607
84Hardeman County16.1%$585
85Weakley County16.1%$639
86Morgan County16%$691
87Polk County14.9%$666
88Chester County14.8%$710
89Lauderdale County14.8%$576
90Carroll County14.7%$610
91Gibson County14.7%$680
92Obion County14.7%$621
93Benton County14.6%$582
94Perry County13.7%$638
95Crockett County13.4%$660

Methodology

Every county figure for Tennessee uses the county's own median home value and median household income from the Census American Community Survey 5-year estimates, a 20% deposit, and the current 30-year fixed rate from FRED (MORTGAGE30US) amortised over 30 years.

The share shown is annualised principal and interest divided by median household income. Property tax, insurance and HOA dues are excluded so the comparison between counties stays like-for-like.

Counties without both a published home value and a published income are left out entirely rather than filled with an estimate, so the table is shorter than the county list in some states.

Sources: FRED series MORTGAGE30US, Freddie Mac Primary Mortgage Market Survey; U.S. Census Bureau, American Community Survey 5-year estimates. American Community Survey 5-year estimates, 2022.