Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$257,515+3.4% YoY · prices are rising fast
Market right nowBalanced, leaning buyersMore homes for sale than last year, 20% have cut their price
Income needed to buy, per year$55,824About 0.8× the local median income ($66,757): affordable for a typical household
Days on market80 daysSlower than a year ago: buyers have time to negotiate
The typical home in Lincoln County, TN is worth $257,515, up 3.4% from a year ago. That is well above what local incomes have historically supported: fair value is about $217,562, so the area is 18.4% overvalued. It is a balanced market, leaning toward buyers: homes take about 80 days to sell, listings are up 9% from a year ago, 20% of listings have had a price cut. A household needs about $55,824 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 $66,757. In the latest IRS figures, 300 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
$257,515
Change in 1 year
+3.4%
Overvalued %
+18.4%
Show 6 more
Fair home value
$217,562
Change in 5 years
+27.5%
Home value to income
3.9×
Monthly mortgage payment (20% down)
$1,396
Income needed to afford it
$55,824
Property tax rate
0.45%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$995
Market activity
Listings vs a year ago
+8.8%
Days on market
80
Listings with a price cut
19.8%
Show 3 more
Homes for sale
149
Pending sales per 100 listings
23
Asking price per sq ft
$182
People and jobs
Median household income
$66,757
Population change (1 year)
+0.4%
Unemployment rate
4.7%
Show 4 more
Population
36,853
Income adjusted for cost of living
$78,630
Net moves in (IRS)
+300
Cost of living (US = 100)
84.9
Schools, risk and environment
School rating (1 to 10)
7.0
FEMA hazard risk score (0 to 100)
58.9
Flood risk score
57.0
Show 3 more
Wildfire risk score
15.5
Walkability (1 to 20)
4.4
Road, rail and air noise
54 dB
Questions people ask
Is Lincoln County, TN overvalued?
Home prices in Lincoln County, TN are well above what local incomes have historically supported: fair value is about $217,562, so the area is 18.4% overvalued.
Is Lincoln County, TN a buyer's or seller's market?
Lincoln County, TN is a balanced market, leaning toward buyers: homes take about 80 days to sell, listings are up 9% from a year ago, 20% of listings have had a price cut.
Are home prices going down in Lincoln County, TN?
Home values in Lincoln County, TN are up 3.4% over the last year.
How much do you need to earn to buy a home in Lincoln County, TN?
A household needs about $55,824 a year to afford the typical home in Lincoln County, TN at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $66,757.