Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$441,082+0.6% YoY · prices are rising
Market right nowBuyer's marketMore homes for sale than last year, 21% have cut their price
Income needed to buy, per year$95,617About 1.0× the local median income ($95,878): affordable for a typical household
Days on market61 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+0.2%Zillow expects prices to stay about flat
The typical home in Sumner County, TN is worth $441,082, up 0.6% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $411,109, so the area is 7.3% overvalued. It is a buyer's market: homes take about 61 days to sell, listings are up 10% from a year ago, 21% of listings have had a price cut. Zillow expects prices to rise about 0.2% over the next year. A household needs about $95,617 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 $95,878. Typical rent is $1,700 a month, or $2,227 for a house. In the latest IRS figures, 3,007 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
$441,082
Change in 1 year
+0.6%
Overvalued %
+7.3%
Show 7 more
Fair home value
$411,109
Change in 5 years
+18.2%
Zillow forecast, next 12 months
+0.2%
Home value to income
4.6×
Monthly mortgage payment (20% down)
$2,390
Income needed to afford it
$95,617
Property tax rate
0.51%
Rent and investing
Typical rent
$1,700
Typical rent for houses
$2,227
Price-to-rent ratio
21.6×
Show 3 more
HUD Fair Market Rent, 2 bedrooms
$1,798
Gross rental yield
4.62%
Cap rate (estimate)
3.01%
Market activity
Listings vs a year ago
+10.3%
Days on market
61
Listings with a price cut
21.4%
Show 3 more
Homes for sale
1,171
Pending sales per 100 listings
35
Asking price per sq ft
$231
People and jobs
Median household income
$95,878
Population change (1 year)
+1.6%
Unemployment rate
3.6%
Show 4 more
Population
215,538
Income adjusted for cost of living
$99,562
Net moves in (IRS)
+3,007
Cost of living (US = 100)
96.3
Schools, risk and environment
School rating (1 to 10)
8.3
FEMA hazard risk score (0 to 100)
87.7
Unhealthy air days a year
1
Show 4 more
Flood risk score
88.6
Wildfire risk score
37.8
Walkability (1 to 20)
5.9
Road, rail and air noise
54 dB
Questions people ask
Is Sumner County, TN overvalued?
Home prices in Sumner County, TN are slightly above what local incomes have historically supported: fair value is about $411,109, so the area is 7.3% overvalued.
Is Sumner County, TN a buyer's or seller's market?
Sumner County, TN is a buyer's market: homes take about 61 days to sell, listings are up 10% from a year ago, 21% of listings have had a price cut.
Are home prices going down in Sumner County, TN?
Home values in Sumner County, TN are up 0.6% over the last year. Zillow's forecast for the next 12 months is +0.2%.
How much do you need to earn to buy a home in Sumner County, TN?
A household needs about $95,617 a year to afford the typical home in Sumner County, TN at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $95,878.