Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$298,340+2.1% YoY · prices are rising
Market right nowBuyer's marketMore homes for sale than last year, 20% have cut their price
Income needed to buy, per year$64,674About 1.1× the local median income ($60,271): a stretch for a typical household
Days on market83 daysAbout the same pace as a year ago
The typical home in Dekalb County, TN is worth $298,340, up 2.1% from a year ago. That is well above what local incomes have historically supported: fair value is about $249,355, so the area is 19.6% overvalued. It is a buyer's market: homes take about 83 days to sell, listings are up 13% from a year ago, 20% of listings have had a price cut. A household needs about $64,674 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $60,271. In the latest IRS figures, 305 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$298,340
Change in 1 year
+2.1%
Overvalued %
+19.6%
Show 6 more
Fair home value
$249,355
Change in 5 years
+22.0%
Home value to income
4.9×
Monthly mortgage payment (20% down)
$1,617
Income needed to afford it
$64,674
Property tax rate
0.35%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,016
Market activity
Listings vs a year ago
+12.8%
Days on market
83
Listings with a price cut
20.2%
Show 3 more
Homes for sale
212
Pending sales per 100 listings
17
Asking price per sq ft
$228
People and jobs
Median household income
$60,271
Population change (1 year)
+0.9%
Unemployment rate
5.6%
Show 4 more
Population
21,873
Income adjusted for cost of living
$70,991
Net moves in (IRS)
+305
Cost of living (US = 100)
84.9
Schools, risk and environment
School rating (1 to 10)
4.9
FEMA hazard risk score (0 to 100)
25.5
Unhealthy air days a year
0
Show 4 more
Flood risk score
34.5
Wildfire risk score
7.7
Walkability (1 to 20)
4.7
Road, rail and air noise
55 dB
Questions people ask
Is Dekalb County, TN overvalued?
Home prices in Dekalb County, TN are well above what local incomes have historically supported: fair value is about $249,355, so the area is 19.6% overvalued.
Is Dekalb County, TN a buyer's or seller's market?
Dekalb County, TN is a buyer's market: homes take about 83 days to sell, listings are up 13% from a year ago, 20% of listings have had a price cut.
Are home prices going down in Dekalb County, TN?
Home values in Dekalb County, TN are up 2.1% over the last year.
How much do you need to earn to buy a home in Dekalb County, TN?
A household needs about $64,674 a year to afford the typical home in Dekalb County, TN at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $60,271.